Import your transaction history to get a detailed breakdown of your declines, by payment method and issuing bank, with concrete recommendations.
Share of your total transactions declined per bank, and the revenue this represents, last 30 days — click a row for the reason breakdown
| Bank | Decline rate | Declines | Lost revenue | |
|---|---|---|---|---|
| BNP Paribas | 3.2% | 320 | €16,640 | |
Insufficient funds51% · 163 · €8,476
3DS not completed22% · 70 · €3,640
Suspected fraud14% · 45 · €2,340
Card not supported8% · 26 · €1,352
Other5% · 16 · €832
| ||||
| Revolut | 2.7% | 265 | €13,780 | |
3DS not completed46% · 122 · €6,344
Insufficient funds24% · 64 · €3,328
Suspected fraud15% · 40 · €2,080
Payment limit reached9% · 24 · €1,248
Other6% · 15 · €780
| ||||
| Deutsche Bank | 2.4% | 240 | €12,480 | |
Suspected fraud38% · 91 · €4,732
Insufficient funds27% · 65 · €3,380
3DS not completed19% · 46 · €2,392
Expired card10% · 24 · €1,248
Other6% · 14 · €728
| ||||
| N26 | 2.0% | 195 | €10,140 | |
Payment limit reached41% · 80 · €4,160
Insufficient funds23% · 45 · €2,340
3DS not completed18% · 35 · €1,820
Suspected fraud12% · 23 · €1,196
Other6% · 12 · €624
| ||||
| Santander | 1.7% | 165 | €8,580 | |
Expired card44% · 73 · €3,796
Insufficient funds21% · 35 · €1,820
Card not supported15% · 25 · €1,300
3DS not completed13% · 21 · €1,092
Other7% · 11 · €572
| ||||
| Amex | 1.4% | 135 | €7,020 | |
Card not supported52% · 70 · €3,640
Insufficient funds19% · 26 · €1,352
Suspected fraud14% · 19 · €988
3DS not completed10% · 13 · €676
Other5% · 7 · €364
| ||||
| ING | 1.0% | 95 | €4,940 | |
Currency mismatch36% · 34 · €1,768
Insufficient funds25% · 24 · €1,248
3DS not completed20% · 19 · €988
Card not supported12% · 11 · €572
Other7% · 7 · €364
| ||||
| Other issuers | 4.3% | 427 | €22,204 | |
Insufficient funds30% · 128 · €6,656
3DS not completed22% · 94 · €4,888
Suspected fraud17% · 73 · €3,796
Various other reasons31% · 132 · €6,864
| ||||
| Total | 1,842 | €95,784 | ||
Across all declines
| Insufficient funds | 30% |
| 3DS not completed | 23% |
| Suspected fraud | 16% |
| Other | 11% |
| Card not supported | 7% |
| Payment limit reached | 6% |
| Expired card | 5% |
| Currency mismatch | 2% |
Ranked by estimated impact on recoverable revenue — click the ⓘ for the calculation
30% of your declines fall under this reason, often temporary. A retry at day+1 recovers ~20% of these transactions on average.
Together these two issuers account for 157 monthly "3DS not completed" declines — see their individual breakdowns above — with a drop-off rate well above your average.
211 customers declined for suspected fraud went on to pay successfully within 48 hours — a possible sign of false positives.
iDEAL and Bancontact adoption is high in NL/BE; without them, card-only checkout pushes some buyers to abandon rather than decline.
5% of declines are simply expired cards. A reminder before renewal lets returning customers update details before checkout fails.
Under PSD2, purchases below €30 can qualify for a low-value exemption, skipping 3DS entirely where the issuer allows it.