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About Payment Declines

If you receive notification that your payment card has been declined, you must contact the bank that issued the card to find out why.

You should also check if the card attached to your Amazon.co.uk account has expired.

Note: only your bank can tell you why your card has been declined.

If you placed an order for a Marketplace item and your card was declined, we'll send you an e-mail asking you to submit your card details again. If the card is again declined, the order will be cancelled. If you still want to purchase the item, you'll need to place another order.

Amazon Customer Service can help you:

  • verify whether you entered your payment information correctly on your order
  • change the payment method on an open order.

Contact your bank to resolve other payment issues even if:

  • you've successfully used the payment method on a previous order
  • part of your order has already been charged and dispatched successfully
  • you have funds available in your bank or credit account to cover the order cost

Here are some steps you can take to resolve payment issues:

  • Contact your bank about payment security policies. Your bank may flag any unexpected activity on your account. This includes first time orders and high value purchases, regardless of the amount of funds available (or credit limit). Your bank may require your verbal authorization to proceed with a transaction.
  • Contact your bank about daily withdrawal or purchase limits. Most banks have limits on how much money can be charged or accessed in a single day. If you exceed this daily amount, your bank may block your account from any further activity regardless of available funds in the account. Your bank may require you to request a higher purchase limit to complete the transaction.
  • Contact your bank about payment authorizations and reserved funds. When you place an order with Amazon.co.uk or on Amazon Marketplace, we contact your card's issuing bank to confirm that your credit card has a valid number, and hasn't been reported as lost or stolen. Your bank's response is communicated via a full authorization for the amount of the purchase.

If you make changes to your order, cancel items, or an order consisting of multiple items dispatched in more than one delivery, your card may be authorised for each charge and funds may be reserved against your account for each authorization.

Some banks have been known to hold these authorizations for 7-10 business days. If your payment is declined due to the lack of available funds contact your bank to confirm if the reserved funds are authorizations and to verify the amount of time they hold authorizations.

Verify the payment information entered on your order. Did your billing address change recently or did you get a new card with a new expiry date? If you used a payment method already on Your Account, you may simply need to update some of the information. If you entered a new payment method, make sure you entered the number and other information correctly. Visit Your Orders in Your Account to update the payment information on an open order. Find the order you want to change. Next to it, click the Change Payment Method button. If the order doesn't have this button next to it, it's entered the dispatch process and can't be changed. On the next page, either select a different payment card or add a new one.

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