Quick answer
A payment can fail because the issuer declined it, the details do not match, the method is unavailable, or the provider flagged the transaction. A failed or incomplete payment may delay or cancel challenge access.
What to do
- Check the payment status in checkout and your bank or wallet.
- Confirm the billing details, available funds, and any approval prompt.
- Wait for a clear final status before repeating the purchase.
- Try another method only if it is offered in the official checkout.
- Contact support if a completed charge is not matched to a challenge.
When contacting support, include your account email, order reference, date, amount, currency, and a screenshot with sensitive details hidden.
Common questions
Q:I see a pending charge. Should I pay again?
A: Wait for the provider to confirm whether it completes or reverses. Repeating immediately can create duplicate authorizations.
Q:Can Polyfunded override my bank's decline?
A: No. Issuer and provider decisions may need to be resolved with the payment provider.
Q:What happens after a chargeback?
A: Unsupported or abusive chargebacks can affect account access and reward eligibility under the Terms. Contact support first about billing errors.