Why is online payment with a bank card not going through. What to do if you can't pay with a bank card in an online store

Perhaps, among Internet users there are very few of those who have never heard of the Aliexpress website. A huge selection of goods at the best prices attracts attention, and therefore you want to buy products again and again. But what if for some reason the payment does not go through? You can search for information on Aliexpress for a long time, but why, if everything you need is collected in this article !?

How is the payment procedure?

The standard operation for depositing funds for the issued goods is as follows:

• After selecting one or more products, you must go to the shopping cart.
• Next, you need to fill out personal data and information about the place of delivery in Latin, and also select a payment method: this can be a bank card (note that Sberbank cards are not always accepted for paying for online purchases), Yandex.Money, Qiwi ”, WebMoney or any other available option that seems to be the most optimal.
• Click on the "Pay" button.
• Receive a special secret code to your mobile phone number, enter it and thus confirm your agreement with the ongoing payment procedure.

After that, the product should go into the category of active orders - this is a hint on how to find out if the payment went through on Aliexpress. If this happens, then the client will be able to track the movement of the parcel. However, it often happens that the user does everything right, but encounters problems - the system “does not see” the payment. So why doesn't the payment on Aliexpress go through? It needs to be sorted out.

Why the payment on Aliexpress failed: simple reasons

If everything was done correctly, but the one-time password did not come to the phone to confirm the operation, do not panic. First you need to determine whether money was debited from a bank or electronic account: visiting your personal account will help with this. If the funds were withdrawn, most likely the order was sent for processing - the seller and the tracking system will let you know about this in the near future.

If the status of the personal account has not changed, this means that the payment did not go through. In this case, it is not recommended to repeat it again. It is better to postpone the procedure for a certain period of time, after which it will be possible to try to make a purchase again.

The absence of a secret code sent, as well as an unsuccessful payment attempt, are usually associated with site congestion and the appearance of some instabilities in its system.

If the product did not appear in the "Orders" tab or its re-registration failed again, other factors may be the reasons for this - for example, personal errors of the client, malfunctions in the site or any non-standard situations.

Buyer carelessness

If the payment does not go through, it is not always necessary to immediately dump the blame on Aliexpress, its administration and sellers - this can also happen due to an oversight on the part of the buyer.

• So, a one-time password may not come due to a lack of funds on the mobile phone account, and therefore the operation simply cannot be brought to its logical conclusion. The payment does not go through, the goods, as a result, are not sent.

• The payment act may be rejected by the bank. Perhaps the reason for this is the expired card or an incorrectly filled out form when registering products. If there are no reasons to doubt the correct data entry, this means that it is the servicing bank that puts the “spike in the wheels”. To solve the problem, you should contact one of the branch offices.

• The bank may prohibit the operation, which is typical for cards of the Maestro and . This is due to the fact that banking conditions are trying to provide their customers with maximum protection and block online shopping, which is not legally connected with the territory of Russia. Perhaps a specific card can be activated for overseas purchases, but for this you will have to go to the bank and clarify the details.

• Exceeding the limit of funds available for spending, the total amount of which is also set by the bank serving the client. To raise the limit, you should contact the bank office or use another payment method for which there are no restrictions.

• Suspicion of fraudulent transactions. The fact is that banks allow a certain number of transactions per day, and therefore transactions that quantitatively exceed the allowed value can be blocked.

• Congestion of the banking system, which is especially observed during the seasons of discounts and promotions. For a successful payment, it is recommended to try again in a few minutes.
• Lack of connection to the obligatory in this case mobile Internet banking service, which sends a one-time code.
• Rejection of the payment due to an error in the choice of card type or incorrect completion of other fields.

Therefore, before asking why the payment to Aliexpress did not go through, it is recommended that you carefully review all the information entered again, because even a single typo can cause the system to fail.

Service malfunctions

However, it is not always the buyer's fault that the payment does not go through. On Aliexpress, users often noticed certain “mistakes”. Usually they stem from service congestion, but this quickly passes. Therefore, after a while, the payment act should be carried out successfully. If this does not happen, you must write directly to the administration of the site, which will explain why the payment to Aliexpress does not go through, and tell you what to do in this case.

Other non-standard problems

None of the above situations can be a specific reason. But why then does the payment to Aliexpress not go through? The case may be an accidental duplication of an order or browser settings where it is necessary to clear the cache for a successful operation. In addition, the snag may lie in an unconfirmed account, because not everyone considers it necessary to go to their own email and use the link to activate their account.

Purchase via phone

What should I do if the payment to Aliexpress does not pass through the phone? As mentioned above, this may be due to insufficient funds on the account, blocking the payment function from a mobile phone (here it is recommended to contact your operator), as well as lack of free space in the phone’s memory or lack of communication. In addition, some failures may occur when making a purchase through special applications, so it is still recommended not to order goods through portable communication devices.

Full refund

What should I do if the payment did not go through on the Aliexpress website, the money was withdrawn? In this case, you can safely claim a refund by opening a dispute with the seller, who, not wanting to lose his earned reputation and profit from the difficulties of his potential customers, will return all the funds in the original amount. If the funds are "lost" along the way, this is the fault of the organization responsible for the distribution of funds - the bank, the Yandex.Money administration, WebMoney, etc. Then it is the client's legal right to demand that they resolve the situation.

Now is the digital age. It is difficult to meet a person who does not have a bank card. They are different - different payment systems, credit and debit, profitable, chipped and not.
Payment by credit card via the Internet - this service is now offered by almost any online store. For example, you can buy a train ticket by paying with a bank card, make a purchase on ozon.ru.

I have always ordered and paid for tickets with a bank card via the Internet (I only use debit cards, I don't have one). The most interesting thing is that this service sometimes fails - the money hangs on the card, the payment does not go through.
But I had a case where the payment simply did not go through. Robokassa wrote a message - payment cancelled. I didn't know what was the reason. I couldn't find the error in my account.
Now I will try to talk about the main reasons why an error occurs when paying with a bank card

The main causes of errors when paying with a bank card

First reason, which is the most common - the lack of the required amount on the card. It is recommended to check your balance - for this you need to call the bank or enter the Internet bank. Sometimes a card has a monthly or daily spending limit. To check this, you need to call the bank.
This reason may not be immediately clear - if you refuse to pay, your balance may not be displayed. The 3D secure authentication error may also be related to the incorrect entry of card details in the previous step. In this case, simply repeat the payment and enter the correct data.

The second reason- on the side of the payment system. For example, the Russian Railways payment terminal does not allow you to pay with MasterCard cards. Only Visa cards can be used.
The specified store may not support this payment method. For example, a robokassa, which is connected to many stores, offers various payment rates.


At first I wanted to pay for webmoney, but I called the store. It turned out that you can not pay for webmoney. They don't have this option enabled. Although the payment method via webmoney is offered on the payment page.

Third reason Your card may have been blocked. Again, you can call the bank and check it out. Blocking can be carried out by the bank automatically in case of suspicious transactions with the client.

Fourth reason— you do not have the 3d Secure option enabled (MasterCard SecureCode in case of MasterCard).
The 3D Secure technology is as follows: when paying, you receive an SMS from the bank, which you must enter in a special window. Only you and the bank know this SMS. Fraud in this case is quite difficult, it will require your phone.
You need this option to pay more than 3 thousand rubles. This is just my case. I bought a Bosch gas stove from an online store. When paying for goods in the amount of 22 thousand rubles, I received the following message:

I was confused, didn't know what to do. At first I thought it was a store problem. But first I still called the bank. In my case, it was Promsvyazbank and a profitable card.
Calling Promsvyazbank support, I was offered to first go through the authentication procedure

1. Say the last 4 digits of the card number
2. Give the last name, first name, patronymic in full
3. State the code word.

Further, in order to connect the 3d Secure service, they demanded 2 numbers from the table of one-time keys from me. It seems like the service was connected, but after half an hour the payment failed again. I called the bank - they said wait when it connects - the service does not connect immediately. You need to wait.
I decided to check if the service is connected. I logged into the Internet bank - I saw that there is such a service (in PSB retail, you can see this on the card page by clicking on the card number)


Once again, an attempt to pay - a window popped up for me where I had to enter a confirmation code. After filling in the card details, I received an SMS with a payment code


Then voila - the order is finally paid. I received the following window and the status of the order in the store changed to "Paid"
My order was delivered to the destination, where I will pick it up within a month. The main payment went through.

Most Common Error 11070: 3dsecure Authentication Error - Causes

The most common error that occurs when paying with a card is 11070: 3dsecure authentication error. There are 2 possible reasons for this error

1. An invalid one-time code was entered. You received a code, but when entering you made a mistake in the number. As a result, we got an error
2. The one-time code is rotten. The time that you are given to enter a one-time code when paying is no more than 5 minutes. Then you will have to repeat the payment.

Table with payment error codes.

Few people know that when paying with a card, the system usually issues an error code. For example, E00 upon payment. Sometimes by mistake you can understand what the problem is

What should I do if everything is OK with the card, but the payment does not go through?

The most typical problem when payment does not go through is a failure in the banking system. There may be interruptions in the work of the bank. This may not necessarily be your bank, but the bank that accepts the payment on the client side (who owns the terminal). In this case, you can give 2 tips

1. Wait and pay later. Failures in work are quickly resolved and in an hour the payment can go through without problems. Usually you can find out about failures by SMS messages or by calling your bank's hotline.
2. Use another card. If you can't pay with one card, try paying with another card. If the payment with another card does not go through, then this is most likely a failure on the side that accepts the payment. Here it remains only to wait.

Firstly- Get yourself a special card. Do not use a salary card for payment, on which you have all the money. The best is a credit card. It allows in some cases to return part of the purchase amount (CashBack). Usually this is an amount up to 5 percent of the purchase. Be careful, some services charge commissions when paying with kata. And of course, the address of the payment page should always start with https and next to the address there should be a padlock icon (https connection).

Secondly- do not keep a lot of money on the card. The card should have a little more than the amount you need for the purchase. Approximately plus 10% of the total purchase price. The logic is simple - nothing can be removed from the zero card.
When you make a purchase, you simply replenish your card in the Internet bank and receive the required amount.

Thirdly- Make card payments in well-known stores. Read reviews about stores on Yandex.Market. If you pay by card, be prepared for the fact that if you cancel an order, it may not be returned to your card immediately.
The last time I made a payment for an order and then returned the order and money, the return to the card went within 7 days. Remember - no one will immediately return the money to you. Be prepared to wait.

"But I don't know how the signal goes
I do not know the principle of communication,
I don't know who laid the cable
I hardly ever hear you, you, you..."
"Aquarium" - "2-12-85-06"

Today I will reveal the most terrible secret of acquiring: " How is card payment going? ". Especially for this, I drew this diagram:

To begin with, it is necessary to explain what is what.

transaction
Transaction - a set of operations of interaction between the cardholder and the processing center when making a payment by card or when receiving cash.

POS terminal
POS is an abbreviation for "Point Of Sale" (point of sale). The same "box with a screen and buttons" into which the seller inserts or rolls your card.
The role of the POS-terminal in our diagram is the "Yarus C2100" terminal from the "Terminal Technologies" company - the first completely Russian POS-terminal.

Acquirer
Usually this is a bank or a company that accepts card transactions.
In the role of the acquirer in our scheme, the company "UCS" will act - the natural choice of any enterprise in need of acquiring services.

International Payment System (IPS)
For 99% of cardholders in Russia, this is Visa or MasterCard. There is also AmEx (as American Express is called for short), Diners Club or JCB, but in Russia these cards are very, very rare.
What is a payment system? This is a very, very difficult question. In our case, its functionality is to connect the acquirer and the issuing bank.

Issuing bank
The bank that issued and maintains the card used for the transaction.

If you are interested in more complete and precise meanings of these terms, you can find them, for example, on the UCS website, on the Glossary page.

Now that we know the terms, let's look at how the transaction goes.

Step #1
The cardholder gives the card to the cashier of the outlet to pay for goods or services. The cashier, using the POS-terminal, reads the information from the card and enters the amount of the transaction.

Step #2
The POS terminal transmits the necessary data about the transaction to the acquirer.

Step #3
The acquirer sends a request to the MPS.

Step #4
The IPU sends a request to the issuing bank.

Step #5
The issuing bank checks the availability of the necessary funds on the card (Let's just say it's not entirely true) and confirms the transaction at the outlet.

Actually, that's all. For the buyer and his card. You can also talk about how the acquirer, the IPS and the issuing bank will then settle the monetary issues related to this transaction among themselves, but you are probably not interested in this, are you?

For those who love all sorts of flash drives, I am posting one such flash drive from the MPS "MasterCard" website. It's all clear and well explained.

Earlier on this topic:

More and more Internet entrepreneurs are using as payment for their own goods and services.

This payment method is widespread in the foreign part of the network and is only now gaining momentum in the Russian-speaking Internet. It is precisely because of the simplicity and speed of such payments that this payment method is popular not only among customers, but among entrepreneurs from all over the world.

How to pay with a plastic card

In order to make a purchase of goods using a plastic card, the client only needs to fill in a couple of fields on the product payment page, click on the button, and in a few seconds he will receive a message that his payment has passed and he can receive the product he paid for.

But it's all in theory so nice and smooth.

Practice, unfortunately, shows the opposite ...

Problems when paying with plastic cards

There are problems when paying with plastic cards, and if you do not talk about them, Internet business owners will lose profits, and customers will be disappointed because they could not pay for the product or service they needed.

When accepting payment for my own goods and services using a plastic card, I noticed a certain pattern - not all payments of my clients go through.

After analyzing the situation that had arisen, I identified 5 reasons why my clients' payments made by plastic cards did not go through. I suspect that there may be more such reasons, but at this point in time, these are the only ones I know of.

Reason #1. A plastic card is not intended for making payments on the Internet.

Many customers try to pay for goods and services on the Internet with plastic cards that are not intended for making payments online. "Salary" cards, pension, accumulative are used. With these cards, you can withdraw money from a bank and ATM, pay for purchases in physical stores, top up mobile phone bills, pay utility bills and make a whole range of payments, but only offline - in real time offline.

Reason #2. The plastic card is not activated for making payments on the Internet.

The plastic card received by the client at the bank is not initially activated for making payments on the Internet. This is done specifically so that without his knowledge no one could use his card and make any payments on the Internet.

Of course, this is a good way to protect the client's money, but it is very bad when the issuing bank does not notify the client about this protection before issuing the card, and he learns about this problem much later than he should.

Reason #3. Insufficient funds on the plastic card.

Very often, when paying for goods and services on the Internet, the client does not know the exact balance of funds on the card, and for this reason, his payment may not go through. The reason is simple - there is not enough money on the plastic card.

The client knows approximately what amount should be on the plastic card, but this amount does not always correspond to the real amount. Payments with a plastic card are made quickly and, most importantly, easily. For this reason, when making purchases in real life and on the Internet, many plastic card users do not keep track of the balance of funds.

Reason #4. Incorrect input of initial data for making a payment.

A certain percentage of customers cannot pay for goods and services on the Internet due to the fact that they make mistakes when entering the initial data for making a payment. Despite the seemingly absurdity of this reason, it exists and causes problems for customers.

When filling in the fields when paying with a plastic card, customers rush to enter all the information correctly and make mistakes when entering the plastic card number and CVV code. As a result of such haste, the payment does not go through and a bitter residue remains on the “soul” of the client.

Reason #5. Long time to enter the initial data to make a payment.

Despite the fact that the system for accepting payments by plastic cards gives the client 800 seconds to enter all the initial data (credit card number, CVV code, full name, residential address, etc.), some clients still do not have time to invest in allotted time period.

Thirteen plus minutes is not enough for data entry!

Incredible, but true. The client is looking for a plastic card, is distracted, enters the initial data for a long time and ... cannot pay, so the system does not process the payment due to exceeding the time limit for entering personal data.

As you can see, the reasons are simple and banal, but, despite this, they do not allow the seller to make a profit, and the buyer to pay for the product or service.

In order for your plastic card payments to always go through, and you receive the product or service that you pay for, I recommend that you follow three simple rules.

1. For payments for goods and services on the Internet, use a card designed specifically for these purposes.

2. Control the final balance on your card to be sure that the payment will "go through" and you will receive the paid goods or services.

3. Correctly and quickly fill in all the fields when entering the initial data for payment. Try to keep within the allotted time, and fortune will always be on your side.

The AliExpress online trading platform is very popular among Russians; here you can find many high-quality goods at an affordable price. It is convenient to pay for an order online, however, it is impossible to know in advance how successful such an operation will be: payment for a Sberbank card does not go through quite often. Not only a weak Internet connection is to blame for this, each specific situation needs to be analyzed in detail.

There may be several reasons:

• Established limit on money transfer transactions in the bank;
• Blocking the account of the owner of the goods;
• Technical problem of the buyer, which can be solved if you log in from a different browser;
• Wrong code entry.

Additionally, it should be noted that it is impossible to make several transfer operations in a short period of time.

Why can't I pay for AliExpress products?

To buy on Aliexpress, you will need to go through the registration procedure on the site. After that, you can select the desired product and place an order. If the transfer of funds in favor of the seller was unsuccessful and did not go through, Aliexpress does not accept your request, and the order will not be sent to you.

Problems with payment Sberbank cards Maestro or Visa: what to do?

Consumers should be aware that Sberbank issues various types of cards. Each of them has its own purpose, you need to choose the right card so that there are no problems later. So, for example, the answer to the question: “Why is the Sberbank card paid exclusively in Russia?” The maestro can only be used to conduct transfer operations on the territory of the Russian Federation, but not outside the country.

Important. Do not try to make an international payment using the Maestro card: it is not intended for this.

Bank customers are offered to purchase a branded card, 5% of the amount of paid orders on AliExpress is automatically returned to it. On this trading platform, you can now make payments in cash.

Do you want to pay for goods on AliExpress without any difficulties? Then get yourself a Visa, pay for orders from it.

And what to do when it is impossible to pay even with a Visa card? There are several solutions for the problem that has arisen.

1. If there is a small limit on transferring money, then deposit funds on the card in advance.
2. When the seller is blocked, then you will need to write to the technical support service, this is the only way to figure out the reason for the blocking.
3. If the browser cache is heavily loaded, then you need to clear it or go to the site from another browser.
4. When the user makes a mistake when entering the code, the banking institution refuses to transfer funds, and in order to repeat the operation, you will have to wait at least a day.

What to do if the password does not come?

AliExpress may not send the buyer a password for technical reasons if it fails. You need to restart the laptop and check the Internet connection.

Other reasons:

1. The card is not suitable for use on AliExpress. Check with a bank employee whether it is possible to pay for goods on this trading platform using your card.
2. Lack of funds. When there is no money, then the transfer operation does not go through, before going to Aliexpress, it is recommended to check the balance. This can be done in online banking or by calling a branch of Sberbank.
3. The SIM card has not been set up to make payments online. You need to call your cellular operator and they will be able to fix the problem.
4. When a text message arrives instead of a password, it means that the Internet resource is temporarily unavailable. It is possible that the phone account simply does not have funds.
5. If the phone number is entered incorrectly, payments cannot be made. Check if you wrote the number in the form on the site correctly.

When the marketplace is to blame for the problem, you have to deal with it. Write to the support team if the transfer operation was rejected, or you need to start a dispute when the money was debited from your account, but the goods were not sent to you.