A: This is a general decline issued by your card-issuing bank. While the system doesn’t provide a specific reason for security purposes, it usually indicates one of the following:
Incorrect Card Details: A small typo in the CVV (the 3 digits on the back) or the expiration date.
Billing Address Mismatch: The zip code entered does not match the one on file with your bank.
Bank Security Filter: Your bank may have flagged the $12.85 charge as “unusual activity” or a “duplicate charge” if you attempted it multiple times.
Insufficient Funds: The account may not have enough balance to cover the transaction at this moment.