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Why was my payment declined?

Payment failed? Here are the most common reasons your payment may be declined and how to resolve it.

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Written by Cococart Support Team
Updated yesterday

If your payment didn’t go through when ordering from a Cococart shop, don’t worry—this is usually caused by your bank or e-wallet provider. Here are the most common reasons and what you can do next.

1. Incorrect payment details

Double-check that you entered the correct:

  • Card number

  • Expiry date

  • CVV code

  • Mobile/wallet account details

Even a small typo may cause a payment to fail.


2. Insufficient funds

Your bank or e-wallet may decline the payment if your balance is not enough to complete the order.

3. Bank or e-wallet security blocks

Banks and e-wallets sometimes block online transactions they consider unusual or suspicious.

This can happen if:

  • It’s your first time paying this merchant

  • You’re making multiple attempts

  • Your account has security restrictions

Solution: Contact your bank/e-wallet provider and request that the transaction be allowed.

4. Payment limits

Some cards and wallets have:

  • Daily transaction limits

  • Online purchase limits

  • Per-transaction caps

Make sure your account allows payments of the amount you're trying to pay.


5. Payment window expired

If you didn’t complete the payment within the required 15–30 minute payment window, the payment request expires.

Even if you pay afterward, the system cannot detect it automatically.

What to do: Contact the merchant directly and send your order ID + payment proof.


6. Network or provider issues

Temporary downtime with your bank or e-wallet can also cause declines.

Try again later or switch to another payment method (if available).


Need Help?

If you confirmed that your payment should have gone through, contact the merchant with:

  • Your order ID

  • Screenshot of the error or payment attempt

Merchants can verify your order status and guide you on the next steps. Cococart cannot modify payments or issue refunds directly.

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