# My Payment Was Declined — What Should I Do

> URL: https://help.meshy.ai/en/articles/16197292-my-payment-was-declined-what-should-i-do
> Language: en
> Last updated: 2026-08-27T10:26:28Z

If your payment was declined, don't worry — this is almost always caused by a card-side issue rather than a problem with Meshy. Here are the most common reasons and how to fix them.

## Common Reasons for Payment Declines

### 1. Insufficient Funds or Credit Limit

Your card may not have enough available balance to cover the charge.

**Fix:** Check your balance with your bank, or try a different card.

### 2. Bank Blocking the Transaction

Banks sometimes block unfamiliar international transactions as a precaution — especially for first-time charges from a new merchant.

**Fix:** Contact your bank, let them know you're authorizing the charge, and then retry the payment.

### 3. 3D Secure (3DS) Verification Required

Some banks require additional identity verification before approving online transactions — such as a one-time code sent to your phone.

**Fix:** Retry the payment and follow any verification prompts from your bank.

### 5. SEPA is not supported

We do not accept SEPA payments.

### 4. Card Not Supported for Online Payments

Prepaid cards, some virtual cards, or cards issued in certain regions may not be accepted.

**Fix:** Try a different card, or use an alternative payment method such as PayPal, Apple Pay, or Cash App Pay where available. See [What Payment Methods Do You Offer?](/en/articles/9991955-what-payment-methods-do-you-offer) for the full list.

### Still Declined After Trying the Above?

If your payment continues to fail, please contact us at <support@meshy.ai> with:

- Meshy email accout

- The last 4 digits of the card you're using

- A screenshot of the error message you see at checkout

- The date and time of the failed attempt

## FAQ

**1. Will I be charged for a declined payment?**

No. A declined payment means the transaction was not completed — no money is taken from your account.

**2. My bank statement shows a "pending" charge even though my payment was declined — why?**

Some banks place a temporary authorization hold that looks like a charge. This hold typically clears within 1–5 business days automatically. If it persists beyond that, contact your bank directly.

**3. My card works on other websites — why is it failing on Meshy?**

Your bank may apply stricter rules for certain merchant categories. Contact your bank, mention you're completing a subscription payment to Meshy, and ask them to approve the charge, then retry.