About Payment Declines - Amazon Customer Service

Only your bank can tell you why your card has been declined. The following are a few possible reasons why your payment may have been declined:

• Incorrect payment information entered on your order: Did your billing address recently change or did you get a new card with a new expiry date? If yes, please update the latest information on Your Account. If you entered a new payment method, make sure you entered the number and other information correctly.
• Your bank's security policies: Your bank may flag unexpected activity on your account. This includes first time orders and high value purchases, regardless of the amount of funds available (or credit limit). Your bank may require your verbal authorisation to proceed with a transaction.
• Daily withdrawal or purchase limits assigned by your bank: Most banks have limits on how much money can be charged or accessed in a single day. If you exceed this daily amount, your bank may block your account from any further activity regardless of available funds in the account. Your bank may require you to request a higher purchase limit to complete the transaction.
• Insufficient funds due to funds reserved for payment authorisations: If you make changes to your order, cancel items, or an order consisting of multiple items is dispatched in more than one delivery, your card may be authorised for each charge and funds may be reserved against your account for each authorisation. Some banks hold these authorisations for up to 7 business days. If your payment is declined due to the lack of available funds, you may need to confirm from your bank if the reserved funds are authorisations and verify the amount of time they hold authorisations.