Card declines are frustrating, but they are usually easy to resolve. The most common reason is that your bank blocks international transactions, since PaperSurvey is based in Lithuania. A quick call to your bank is typically all it takes to fix the issue.

This guide walks you through the most common causes and how to resolve them.

Most Common Reason: International Payments

Many banks automatically block international transactions for security:

• PaperSurvey is based in Lithuania (European Union)
• Your bank may flag this as suspicious activity
• This is especially common with US and Canadian cards

Quick fix: Call your bank and authorize international payments to Lithuania/EU.

Other Common Decline Reasons

Card-related issues

• Insufficient funds: Check your available balance
• Expired card: Verify the expiration date
• Daily limit reached: Some cards have transaction limits
• Incorrect details: Double-check all card information

Security blocks

• Fraud protection: Your bank's automated systems may flag the charge
• First-time international charge: Often triggers security alerts
• Multiple attempts: Can trigger temporary blocks

Technical issues

• Wrong billing address: Must match bank records exactly
• 3D Secure failure: Additional verification may be required
• Card type not supported: Though we accept most major cards

How to Resolve Payment Issues

1. Check with your bank first

Call the number on your card, mention "international payment to Lithuania," and ask them to whitelist the transaction.

2. Try these solutions

• Use a different card
• Ensure your billing address matches your bank records exactly
• Clear your browser cache and cookies
• Try a different browser or device

3. Alternative payment methods

• A different credit or debit card
• A company card if available
• Bank transfer for Enterprise plans

What Information Helps Your Bank

When calling your bank, mention:

• "Online software subscription"
• "Merchant in Lithuania, European Union"
• "Processed through Stripe"
• The exact amount being charged

Still Having Trouble?

Contact our support team at support@papersurvey.io and include the type of card (Visa, Mastercard, etc.), your country or region, any error messages shown, and what you have already tried.

We can provide alternative payment arrangements, a direct invoice for bank transfer, or additional verification if needed.

Preventing Future Declines

Once the issue is resolved, consider adding our charges to your bank's whitelist, using a card without foreign transaction restrictions, or setting up annual billing to reduce transaction frequency.

Payment declines are usually your bank protecting you from fraud. A quick phone call typically resolves the issue.