Why Was My Transaction Declined ? Common Reasons

A declined payment can happen for a few common reasons. Use this checklist to find the issue and what to do next.

1. Insufficient Funds

✅ What it means: Your Card does not have enough EURe, GBPe, or USDCe to complete the payment

What to do:

1. Open the ELLIPAL App
2. Go to Assets > Pay > ELLIPAL Pay
3. Check your balance on the Home page 
4.  Add funds if needed 

2. Incorrect Card Details

✅ What it means: Card number, expiry, or CVC was entered incorrectly

What to do:

1. Re-enter your card details carefully
2. Go to Cards > Show details to check your virtual card information
3. Make sure your billing address matches your profile 

3. Daily Spending Limit Exceeded

✅ What it means: The transaction amount is higher than your card’s daily or per-transaction limit

What to do:

1. Open ELLIPAL Pay
2. Go to Account > Limits
3. Check your available card limits before trying again 

4. Security Flag Triggered

✅ What it means: Our fraud prevention system blocked a transaction due to unusual behaviour (e.g. location, frequency, merchant type)

What to do:

1. Check your ELLIPAL Pay account for any alerts
2. If you suspect fraud, go to Cards and freeze your card immediately 
3. Contact support if you need help 

5. Restricted Merchant or Country

✅ What it means: Some merchant categories (e.g. gambling, automated fuel) or certain countries are blocked for compliance

What to do:

Check if the merchant or location is restricted

 Card Limitations and Restrictions

 Eligible Countries for Gnosis Pay Services

6. Merchant Payment Processor Error

✅ What it means: The issue may be on the merchant’s side (e.g. processing issue)

What to do:

Ask the merchant to try again

Still Having Trouble?

Please contact support and include:

• Your wallet address
• A short description of the issue
• Time and location of the declined transaction