Why Is Amazon Declining My Card?

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Amazon, a global leader in e-commerce, has made shopping more accessible and convenient for millions of consumers worldwide. However, there are instances when Amazon may decline your card, leading to a frustrating shopping experience. This article aims to provide an in-depth understanding of why Amazon might decline your card, what error messages you might receive, the steps Amazon takes before declining a card, and how to resolve the issue.


Amazon may decline your card for several reasons such as incorrect payment information, insufficient funds or credit limit, bank security checks, incorrect billing address, expired card or outdated information, and bank authorization issues. You can resolve this by verifying your payment information, contacting your bank, retrying the payment, checking for payment authorizations and reserved funds, updating your billing address, or contacting your credit card company.

Common Reasons for Amazon Declining Your Card

There are several reasons why Amazon may decline your card. The most common ones include:

  1. Incorrect payment information: Always ensure that your card number, expiration date, billing address, and phone number are entered correctly on your Amazon account.
  2. Insufficient funds or credit limit: Ensure you have enough funds in your account or available credit to cover the purchase.
  3. Bank security checks: Your bank may decline the transaction due to security checks or unusual activity.
  4. Incorrect billing address: The billing address and phone number on your Amazon account must match those associated with your card.
  5. Expired card or outdated information: Keep your card information up-to-date, especially if your card has recently expired or been replaced.
  6. Bank authorization issues: Contact your bank to resolve any authorization or reserved funds issues that might be causing the decline.

Error Messages You Might Receive

If Amazon declines your card, you might receive error messages such as “The card was declined. Re-render the Wallet widget,” or “Amazon has rejected the authorization. The order is moved to a Closed state, and you should decline the transaction.” These messages indicate various issues, from incorrect payment information and expired cards to insufficient funds and bank authorization issues.

Amazon’s Security Measures and the Card Approval Process

Amazon takes several steps to verify the payment information and ensure the transaction is secure. These include contacting the card’s issuing bank to confirm the card’s validity, checking if the entered payment information is correct, verifying if the card has sufficient funds or credit limit, and ensuring that the billing address and phone number on the Amazon account match those associated with the card. Amazon’s security measures contribute to a more secure card approval process by protecting customer data, detecting potential fraud, and ensuring the safe processing of card transactions.

Resolving a Declined Card Issue

If your card is declined, you can:

  1. Verify your payment information: Check if you’ve entered all payment details correctly.
  2. Contact your bank: Your bank can provide information about why your payment was declined.
  3. Retry the payment: Go to “Your Orders” on Amazon and select “Retry Payment Method” next to the order with the declined payment.
  4. Check for payment authorizations and reserved funds: Contact your bank to inquire about payment authorizations and reserved funds.
  5. Update your billing address: If you have recently moved, make sure to update your billing address with Amazon and your bank.
  6. Contact your credit card company: If your credit card company is declining the charge, contact them to find out why and resolve the issue.


While it might be frustrating when Amazon declines your card, understanding the possible reasons can help you take the right steps to resolve the issue. Always ensure that your payment information is correct and up-to-date, and don’t hesitate to contact your bank or credit card company for assistance. Remember, Amazon’s customer service is also available to assist with any issues you might have during your shopping experience.

Frequently Asked Questions

Can I use multiple cards for a single purchase on Amazon?

No, Amazon does not currently allow customers to split a single purchase across multiple cards.

What should I do if I still can’t resolve the card decline issue after trying all the suggested steps?

If you’ve tried all the steps and still can’t resolve the issue, it’s best to contact Amazon’s customer service for further assistance.

Can I use prepaid or gift cards for purchases on Amazon?

Yes, Amazon accepts most prepaid and gift cards as long as they’re issued by Visa, MasterCard, American Express, or Discover.

How long does it take for Amazon to process a payment?

Amazon typically processes payments within 24 hours of order placement. However, this can vary depending on the bank and the specific transaction.

How does Amazon handle card security?

Amazon uses secure socket layer (SSL) technology to encrypt your card information and keep it safe. They also have a number of security measures in place to detect and prevent fraud.

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