This means the cardholder’s bank is declining the transaction. As your payments processor, we would not know why the transaction is being declined. The cardholder would need to call their Issuing Bank to discuss this. DO NOT process the transaction or make multiple attempts to obtain an approval. A decline must be accepted as a decline on the first try and the cardholder must provide a different form of payment. Processing the sale or making multiple attempts to get an approval will cause chargebacks to your account.