📌 Handling Failed Payments Errors

Below is a list of the most common payment failure messages you might see, along with what they mean and how to resolve them.

🔍 Common Payment Failure Messages & What They Mean

Error Message	What It Means	Common Causes	How to Fix It
Payment method was revoked	Your saved payment method is no longer valid.	- You removed the payment method - Your bank replaced or canceled your card - Shop Pay was disabled	Re-add or update your payment method in your account or Shop Pay settings.
Customer failed to confirm transaction	You didn’t complete the required authentication (e.g. 3D Secure).	- Missed or ignored a 3D Secure prompt - Bank required additional verification	Retry the payment and follow the prompts to authorize it (e.g., SMS code or bank app).
Insufficient funds	Your card didn’t have enough money to cover the charge.	- Low balance - Spending limit reached	Add funds or use a different card, then update your payment method.
Payment method declined	Your bank or card issuer rejected the payment.	- Fraud flag - Card expired - Bank restrictions	Contact your bank or try a different card.
Expired card	The card on file is no longer active.	- Expiration date passed	Update your account with a new card.
Card not supported for recurring charges	The card type can’t be used for subscriptions.	- Some prepaid or gift cards	Use a credit card or a bank-issued debit card that supports recurring billing.
Authentication required	Your bank requires verification before processing the payment.	- 3D Secure or similar protocol	Retry the payment and complete the required verification.
Processing error	An issue occurred while processing the payment.	- Network or payment gateway error	Retry the payment after a short time.
Payment method does not support this transaction	The method can’t be used for this type of charge.	- Incompatible card type - Restrictions on international or subscription transactions	Update to a supported payment method.

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🛠️ How to Instruct Customers To Update Their Payment Method

1. Have them log into their account on your website.

2. Go to your Subscriptions > Manage Subscriptions.

3. Select Edit Payment.

4. An email will be sent to the customer from Shopify with a secure link to update their payment method.

5. Once customers click the link in the email they can then enter their new card details or select a different method (like Shop Pay or Apple Pay).

If they use Shop Pay, they may also need to update their saved payment methods directly in their Shop Pay account.