This article explains the two common causes of a rejected card transaction, how to fix them, and why your funds remain safe.
📖 Overview
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.
💰 Reason 1: Insufficient Card Balance
On-screen message: "The available balance in this account is insufficient. Please check your account balance."
How to fix:
Open the transaction details page
Tap the "Transfer" button at the bottom
Move funds from your wallet to the card account
Return to the merchant and retry the transaction
You will also receive a "Transaction Declined" push notification.
🛡️ Reason 2: Risk Control or Merchant Restriction
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:
Wait and retry, or use a different merchant/payment method
If rejections happen repeatedly, contact MPChat support to investigate
💡 About Your Funds
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.
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