Payment Options

Credit Cards Accepted

We accept all major credit cards as payment. Any credit card with a Visa or MasterCard logo should do. Make sure your card is a Credit and NOT Debit card as Debit cards are not supported.  

Why Was My Credit Card Declined? Possible Reasons and Solutions

Having your credit card declined can be frustrating, embarrassing and a little bewildering.

Your credit card may be declined for many reasons, including atypical activity, incorrectly entered information, or because you’ve reached your credit limit. You can usually call the issuer to find out what happened.

Your credit card could get declined for a variety of reasons, from the simple (your credit card expired) to the potentially more serious and complex (potential fraud was detected). Here's why your card may have been rejected—and what you can do to prevent it from happening again.

1. Your Order Total is Possibly Too Big

Our Payment Gateway can comfortably handle up to £750 per transaction. If you are trying to place an order worth more than that, consider splitting up your order into 2 or more orders. Alternatively, contact us so that we can help you keep one order number but make one or more separate payments for the same order. That way you can minimize shipping fees too.

2. You've Reached Your Credit Limit

If you've made several purchases on your credit card recently, you might have inadvertently maxed out your card. Some credit card companies give you a little leeway and will approve an over-the-limit charge so your card is not declined online. However, they may charge a fee for the coverage. Perhaps you might be trying to place an order whose value is more than the max purchase value limit set on your card.

3. Your Purchase Was Flagged as Fraud

Because credit card fraud is the most common type of identity theft, card issuers are constantly on the lookout for suspicious activity. While a legitimate purchase being flagged as potential fraud can be annoying in the moment, it can ultimately protect you. If identity theft goes undetected, someone could steal and sell your personal information and run up significant charges on your card.

When your card is declined and you know you have plenty of available credit, call the phone number on the back of the card. A representative should be able to lift any freezes the issuer put in place.

4. You Have a Large Pending Transaction

Companies such as rental car providers and hotels may put a hold on your card to ensure you have enough available credit to pay your final bill. While the hold is in place, your card issuer might decline other purchases until it's cleared. Merchants will tell you when they're placing a hold for things like incidentals or security deposits, so you can ask them how long it typically takes to release the hold.

5. You're Behind on Payments

Credit card issuers can restrict your card use if you haven't made a payment recently. You may not realize that you've fallen behind until the card is declined, so the best thing to do is call the issuer and explain your situation. They can tell you exactly how much you need to pay to bring the account current and start using the card again.

6. Your Credit Card Is Expired

Your credit card company will likely send you a new credit card before your current one expires. However, if you moved and forgot to update your address or accidentally continued using your old card, you may get declined.

7. Your Credit Account Was Closed Without Your Knowledge

Card companies close accounts for a number of reasons. If your credit score has dropped significantly since you opened the account, they may choose to close it because you're now a high-risk borrower.

Card issuers also close inactive accounts, so if you haven't used a particular card in a while and you're not carrying a balance, that could be the problem. If you were an authorized user on someone else's account and the primary cardholder removed you from it, you'll no longer be able to use the card.