why are credit or debit card transactions declined 
credit and debit card transactions can be declined for a long list of reasons for example a credit card might not have a sufficient credit line to cover the charge or the checking account linked to a customer s debit card may lack enough cash transactions can also be declined if the card has expired the customer entered an incorrect pin or other information or the credit card company suspects fraud among other causes 45the bottom linevoid transactions stop the payment process for credit or debit cards before the merchant receives any payment transactions can be voided only in a relatively small window of time after which the cardholder may need to request a refund to get their money back 