# Why Does My Card Keep Getting Declined?

Source: PaperSurvey.io Help Center
URL: https://www.papersurvey.io/help/subscription/article/why-does-my-card-keep-getting-declined

---

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](/help/subscription/article/is-it-possible-to-pay-by-bank-transfer.md) 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](mailto: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.

---

Need more? The complete PaperSurvey.io help center and blog is available as a single document at https://www.papersurvey.io/llms-full.txt.