My card was declined. What now?

If your card was declined during checkout, no charge was made. Card declines fall into two buckets: bank-side declines (issuer rejected) and processor timeouts (Paystack did not hear back). Most declines are bank-side. Common reasons include insufficient funds and 3DS challenge failures. Retry with a different saved card; the app pre-selects the next one. Add a new card from Profile, then Cards. Or pay cash to the host on arrival and settle in person. If you keep getting declined, three consecutive failures hide that card for 24h as fraud protection.