In this article
🔥 Quick Summary
If your payment didn't go through, don't worry it happens! Most payment failures are caused by simple things like a typo, a missed verification step, or a bank ;security setting.
In almost all cases, contacting your bank or trying a different card will resolve the issue immediately.
📋 Common Payment Issues (Cheat Sheet)
Here is a quick guide to the most common messages and how to fix them.
Issue | What it means | Recommended Action |
Insufficient funds | The card balance is too low to cover the purchase. (Common with Debit/Prepaid cards). | Top up your card balance or use a different payment method. |
Incorrect CCV / CVC | The 3-digit security code on the back of the card was entered incorrectly. | Double-check the code and try again. |
Incorrect Expiry | The Month/Year entered does not match the card. | Check the date on the front of your card and retry. |
Incorrect Card Number | A typo in the 16-digit card number. | Re-enter your card number carefully. |
3DS Verification Failed | You missed the "Security Popup" from your bank to verify the purchase. | Try again and keep the window open. Watch for a popup or SMS code to confirm identity. |
Generic Decline | The bank blocked the transaction for security reasons or international restrictions. | Call your bank to authorize the transaction or enable "International Payments." |
🏦 "Generic Decline" (When the Bank says No)
Sometimes, the error message just says "Your card was declined."
This comes directly from your bank, not Nas.io. Banks have automated security systems that block transactions based on spending habits, location, or account balance.
The most common reasons:
International Restrictions: Nas.io processes payments globally. If your card is "Domestic Only" (common in India and parts of LATAM), the bank will block it. Action: App or call your bank to "Enable International Transactions."
Fraud Protection: If this is your first time buying from us, the bank might flag it as unusual activity. Action: Call the bank to authorize the charge.
Note: For privacy reasons, banks do not tell us why they declined you. You must contact them directly to find out.
🔐 What is 3D Secure (3DS) Verification?
For extra fraud protection, many banks require an additional step called 3D Secure (3DS). This is when a popup appears during checkout asking for a password, FaceID, or an SMS code sent to your phone.
If your payment fails here:
Ensure popups are allowed in your browser.
Keep your phone nearby to receive the SMS code.
Do not close the checkout window until the process finishes.
3DS for Subscription Renewals
Sometimes, your bank may require verification even for an automatic renewal (recurring payment).
How do I verify a renewal?
If this happens, you will receive an email from Stripe (our payment processor) with the subject line "3D Secure authentication required."What to do:
Click the link in that email to confirm the payment. If you do not verify within 7 days, the bank will block the renewal and your subscription may be canceled.
❓ Frequently Asked Questions (FAQs)
Q: I changed my card. Will my subscription renew automatically?
A: If you updated your card details in your settings before the renewal date, yes. The system will attempt to charge the new default card.
Q: Why was my payment blocked for "Fraud Risk"?
A: We use Stripe Radar to protect our community owners. If a payment has mismatched data (e.g., a CVC code that doesn't match the card type, or a suspicious IP address), the system blocks it to prevent fraud. Please try again with accurate details or a different card.
Q: Why do I have to verify (3DS) again? I already paid last month.
A: Banks change their security requirements often. Even if you verified the first payment, the bank may ask you to re-verify a renewal to prove you are still the card owner. This is a standard banking regulation to protect you from unauthorized charges.
💬 Contact Support
If you have questions or need help, you can:
Use the chat widget inside the platform (bottom right corner) or whatsapp
Email us at help@nas.io