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Troubleshooting Credit Card Payments

Why Is My Credit Card Declined in Cheqroom?

Credit card payments in Cheqroom can be declined for several reasons. Because Cheqroom's billing originates from Europe, banks outside Europe may flag the transaction as international or suspicious.

Common reasons a payment may be declined include:

  • 3D Secure (3DS) authentication: European banks often require an extra verification step. If your bank uses 3DS and the transaction is not verified, it may be declined.
  • Insufficient funds: Your card does not have enough balance to cover the charge.
  • Temporary card hold: Your bank has placed a temporary block on your card.
  • International transaction flag: Your bank may block charges originating from outside your country.

What to do if your payment is declined

  • Ensure your billing information is correct by checking Billing Details under your account settings.
  • Contact us at billing@cheqroom.com, or reach out to your Cheqroom Customer Experience Manager or Account Executive.
  • Your Cheqroom point of contact will follow up to explain the cause of the issue.
  • You may need to follow up with your finance team or directly with your bank to authorize the transaction or update your card details.

💡 Have questions or need help? Reach out to us anytime — we're here for you.