Why is a payment rejected? - How to improve payment approval - Mercado Pago Developers

Why is a payment rejected?

Payment declines are a reality in the world of online sales and can happen for various reasons. A payment may be declined due to:

  • An error with the payment method;
  • Incorrect information entered by the customer;
  • Card with insufficient funds;
  • Violation of necessary security requirements;
  • Suspicious movements indicating fraud risk;
  • Communication issues between acquirers and sub-acquirers.

You can find information and check the status of a payment via API through the endpoint Get paymentsAPI. The status field indicates whether the payment was approved or not, while the status_detail field provides more details, including reasons for decline.

curl

{
    "status": "rejected",
    "status_detail": "cc_rejected_insufficient_amount",
    "id": 47198050,
    "payment_method_id": "master",
    "payment_type_id": "credit_card",
    ...
}
You can also find more information about payments in your Mercado Pago account activity.