--- title: Why did my card payment fail?  description: card payment failure --- [Skip to content](https://knowledge.gotitus.com/why-did-my-payment-fail-#main-content) English Show submenu for translations ![](https://knowledge.gotitus.com/hs-fs/hubfs/Titus%20Logo-1.png?width=100&height=34&name=Titus%20Logo-1.png) Open main navigation Close main navigation - English Show submenu for translations - [Contact us](https://www.gotitus.com/support) [Contact us](https://www.gotitus.com/support) How can we help you? - There are no suggestions because the search field is empty. 1. [Titus Knowledge Base](https://knowledge.gotitus.com/?hsLang=en) 2. [Card Payments](https://knowledge.gotitus.com/card-payments?hsLang=en) 3. [Managing Payments](https://knowledge.gotitus.com/card-payments?hsLang=en#managing-payments) # Why did my card payment fail? When a card or bank payment fails, Titus displays the specific reason returned by our payment processor, not a generic "something went wrong" message. Every failed payment also includes a **reference code**. If you need to contact Support, include this code first. It allows us to quickly locate your transaction without needing your card number or the exact time of the payment attempt. #### What to Do When a Payment Fails 1. **Read the error message.** It explains why the payment didn't go through, such as: - Card declined - Insufficient funds - Bank debit returned 2. **Resolve the issue, if possible.** - **Card declined:** Your bank may have blocked the transaction. Try another payment method or call the number on the back of your card for more information. - **Bank debit returned:** The account may have insufficient funds, or your bank may have declined the debit. Contact your bank if you're unsure why it was returned. 3. **Contact Support if you still need help.** Include the **reference code** from the error message so we can quickly trace the transaction. #### Frequently Asked Questions #### Was I charged for a failed payment? No. If a payment fails, no funds are transferred. If you notice a pending charge on your bank or credit card statement, it's typically a temporary authorization hold. Your financial institution will usually release it within **1–3 business days**, although timing may vary by bank. #### Where can I find the reference code later? The referenced code is unique for each payment error. It is only available within the error message itself. ### Need help? 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