This article explains the two common causes of a rejected card transaction, how to fix them, and why your funds remain safe.

When a transaction in your history shows "Declined", it means the merchant did not receive the payment and no funds were deducted from your account. There are two main reasons.

On-screen message: "The available balance in this account is insufficient. Please check your account balance."

How to fix:

You will also receive a "Transaction Declined" push notification.

On-screen message: "This transaction cannot be completed due to risk control or merchant restrictions."

Note: In this case, no "Transfer" button is shown on the details page because balance is not the issue.

Suggested actions:

If a transaction is rejected, your funds are not affected. The system may briefly display an authorization amount, but since the transaction was rejected, no funds actually left your account—no refund is required. You can confirm this in your transaction history.

⚠️ Note on the Declined Fee: If the decline is due to something on your end (e.g. insufficient balance, a frozen/reported-lost card, or incorrect card details), the first 2 declined transactions per card each month are fee-free — from the 3rd one onward, a $0.80 USD Declined Fee applies per transaction. See MPChat Card Limits and Fees for details.