What to do if you can’t pay with a bank card in an online store. Proper use of a contactless card: instructions

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

Say the last 4 digits of the card number
Give the last name, first name, patronymic in full
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

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
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

Error code and description
Code 00 - a successful operation.
Code 01 - refuse, call the bank that issued the card.
Code 02 - refuse, call the bank that issued the card (special conditions).
Code 04 - withdraw the card without giving a reason.
Code 05 - refuse without giving a reason.
Code 17 - refuse, rejected by the card user.
code 19 - technical error on the side of the bank
Code 41 - withdraw, lost card.
Code 43 - withdraw, stolen card.
code 50 - ?
Code 51 - refuse, there are not enough funds on the account.
Code 55 - refuse, incorrectly entered PIN code.
Code 57 - refuse, invalid operation type for this card type (for example, an attempt to pay in a store with a card intended only for cash withdrawal).
Code 61 - refuse, exceeding the maximum transaction amount for this card.
Code 62 - refuse, blocked card.
Code 65 - refuse, exceeding the maximum number of transactions for this card.
Code 75 - refuse, exceeding the maximum number of incorrect PIN codes for this card.
Code 83 - refuse, network error (technical problems).
Code 91 - refuse, it is impossible to send a request (technical problems).
Code 96 - refuse, it is impossible to contact the bank that issued the card.
Code Z3 - online does not work, and offline the terminal rejected the transaction.

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

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.
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.

Third- 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.

In our high-speed age, we are used to doing everything remotely - work, communicate, make purchases. We are very happy to pay with credit cards via the Internet, because it saves a lot of time and sometimes money. However, there are times when remote shopping fails. And when you make an online transaction, you get a message that your card has been declined. Let's see why credit cards are not accepted?

First, on the morning of your payday, your wages will be automatically uploaded to your card.

Payroll card.
Student card.
Holiday fund card.
Rainy day card.
You will have access to your funds immediately.

And once the funds are depleted, mom and dad can easily upload funds to the card. Just like building funds for travel, you can do the same for Christmas. Ask your employer to put a portion of each payment on your card.

Financial experts always recommend building a rainy day fund in case of an emergency. The cardholder can choose to receive a refund at points of sale that offer this service. Some service stations may not accept fees for pump transaction fees. Note. . You can get your card at the West Morton Savings Bank's Jacksonville office in Jacksonville, Midwest First in Virden, or Lichfield Community Savings in Lichfield.

So, the first and most common reason is card blocking. Most often, the bank blocks the card if the client has overdue payment on it or in order to protect it from suspicious actions. In these cases, the bank employee immediately calls the cardholder, but if it is not possible to contact him, the card is blocked and an SMS is sent to the client.
In case of delay in payment for more than 30 days, the credit card may also be blocked.
The reason for problems with paying for purchases can also be an excess of the established daily spending limits. These limits are set by the bank for security purposes: one for cash withdrawals, the other for purchases. If you exceed them, the payment will not go through. The same can happen if you exceed the available limit on the card.
In addition, there are less likely causes. For example, you simply forgot to activate a new credit card, or, conversely, your card has expired.

How to protect yourself from the above situations? First of all, notify the bank about changing your contact details so that the employee can contact you immediately. In case of departures abroad, the bank should also be informed about this. Get yourself a second credit card that you can use as a backup. Do not forget to make the minimum payments on the card on time, and also keep expenditure transactions under control. And most importantly, always have your bank's round-the-clock support phone at hand.

A two-year investigation into retail banking by the Competition and Markets Authority found that customers could save £70 a year on average by switching banks. The rates are certainly attractive, but clients must meet a number of criteria to qualify. Providers may be asked to set up direct debits and for minimum amounts payable each month.

Accumulators can earn 3 grand on balances up to £3, no interest is paid on funds above that. What's the catch? - new customers must set up three direct debits and pay £750 per month. This reduction reduces the maximum interest received from £100 to £100.

There may be problems with paying for the goods, today we will take a closer look at what may cause various errors on the Aliexpress website, because this can happen for a number of reasons. Thanks to the error code, you can find out what the error means, below we will understand in detail what the error codes on the Aliexpress website mean. Typical error codes associated with the payment of goods begin with IPAY_RS_10001_ХХХХ.

Customers making 20 debit card transactions per month will be paid £5 per month. Another £5 will be paid if two direct debits are established. What's the catch? Customers must pay £500 per month and register for internet banking, paperless applications and paperless correspondence.

Maximum interest per year: £100. Otherwise there is a £5 monthly fee. Once validated, an on-screen message will appear stating that the card is ready to use. This verification is part of our layered approach to secure payments.

Error codes on Aliexpress (errors when paying for an order on the Aliexpress website)

Error Code: IPAY_RS_10001_2606- The card has been rejected by your bank. Check if your card is valid or use another payment method.
Solution to the problem: Check the correctness of the entered data, if the error pops up again, contact your bank (call your bank).

In general, the IPAY RS 10001 2618 error is one of the most common errors on Aliexpress, because every 5 minutes 1000 orders are placed on the site, and at rush hour this figure is several times higher, so the payment system is overloaded.

These include credit cards, debit cards, and credit cards with private credit cards.

Alternatively, you can tap "Enter Card Manually" and enter the card number.
Enter the security code found on your card and accept the terms.

The last card used or viewed will be the default payment card.

How to add a fingerprint as a validation method?

You can scroll left and right to scroll through your payment cards and select the one you want to use for payment. Place your finger on the home key and then lift it up as soon as you feel a vibration. Repeat until you reach 100%. To ensure that the entire fingerprint is recorded, move your finger.

Error code: IPAY_RS_10001_2616- not enough money
Solution to the problem: you need to replenish your Visa / MasterCard card account or WebMoney, Yandex.Money (yandex.money), Qiwi (Qiwi wallet) electronic wallets or pay for the goods through a bank by selecting the Bank Transfer payment option.

Error code: IPAY_RS_10001_2618- Sorry, the payment was not completed. Reason: The operation is not allowed by the bank. (Error code: IPAY_RS_10001_2618) Recommendation: Please make sure you are using a valid card. If the problem persists, contact the bank or agency that issued the card. Or use another payment method.

A little each time you touch the key, completely covering the key with your finger. Then hold your phone or device near the payment terminal to complete the transaction. Transactions are stored separately and listed for each payment card. If the merchant asks you to swipe your card, just hold the back of your phone to the contactless payment terminal. If you are planning a trip abroad and do not want to arrive with an "empty wallet", you can order foreign currency cash from your bank - online or at a branch.

To start your trip abroad well. The decisive factor is the appropriate exchange rate. Start your trip abroad well prepared and ask your bank's information portal in advance which payment methods are best for which country.

Solution to the problem: this situation often arises when paying with Visa Electron or Maestro cards, the only way out of the situation is to call your bank (the phone number is on the back of the card) and find out if it is possible to pay for purchases on the Internet and ask to turn on this function / service. As for Maestro cards, they differ from Visa / MasterCard cards and not all goods can be paid for with such a card, so if you have a Maestro card, we recommend getting an additional Visa / Mastercard card and do not forget to tell the bank employee that the card is needed You to pay for purchases in online stores online.

If you want to send a direct debit, it's quick and easy. In your online bank, you will find the menu item "direct debit contradiction". All reserved direct debits are displayed there, with one click you can return the corresponding direct debit.

Have you used online banking yet?

In the form, you can also pay all costs, split the costs between you and the recipient, or pay the costs in full. And for every German checking account. All you need is a mobile phone number. Simply select a recipient from your contact list and send them the desired amount. After that, your personal data will be displayed to you, which is stored in our system. Current accounts, daily and fixed accounts are immediately displayed to you in the online bank. You will receive a transcript of the contract directly in your email inbox. In addition, future excerpts and completed product information can now be conveniently and easily retrieved at home via email.

For the desired product, click the "Close Online" button and log into the online bank.
Then confirm the product details.
Review them and update if necessary.
You will then receive offer documents with an offer code.
Click on the "close online" button for the desired product.
Then confirm the product details and enter your personal information.
Select the procedure you wish to use to legitimize yourself.

At the same time, you will be able to set up online banking and email.

Error code: PAY_RS_10001_2626- order amount exceeds limit/limit
Solution to the problem: check your limit for the chosen payment method, usually limits can be set by your bank for Visa / Mastercard cards (you need to call your bank and increase the limit, the phone number is usually located on the back of the card and is indicated in small print). If everything was done correctly, try paying again or try another card or another payment method.

Current accounts, credit cards, daily and fixed accounts are visible to you after receiving access data in online banking. Extracts and information about the finished product can be easily and conveniently delivered to your home via email. Sometimes it's better to go directly to the companies website.

Discreet practice, but illegal. The holiday booking kickoff is up and you already see yourself going to the Caribbean at a low price? If prices can tease online, it's your payment methods that you need to be careful about.

Error Code: IPAY_RS_10001_2903- The order amount exceeds the allowable card payment limit.
Solution to the problem: on the back of your card, there is a phone number of your bank, tech. support works around the clock in banks and your problem will be solved in 5 minutes, just tell them to increase the limit on payments from the card. This happens if you want to buy something expensive, sometimes the ATM withdrawal limit is 1000 rubles, hryvnia, tenge, dollars or euros, and the default limit for payments on the Internet can be much lower, usually this is done for your own safety.

The price displayed at the beginning is tempting, but the flame is at the decisive moment of choosing your type of credit card. Price differences range from 6 euros to almost 700 euros depending on the sites, calculated daily. “The full price, regardless of the payment method, is available on the search page,” justifies the Parisian site.

Partnerships with card issuers

Discreet practice, but illegal. “In France, it is not practical to charge extra fees for promoting a payment method,” says Camille Bertrand, a lawyer. But sales intermediaries such as tour operators can promote a payment method by offering a discount. Specifically, it is forbidden to announce a price of 100 euros for a ticket in order to finally charge 130 euros according to a bank card. But the tour operator can declare 130 euros from the beginning and then declare a discount depending on the payment method. Rates, however, vary depending on the partnerships between booking specialists and payment card companies. “We partner with card issuers to offer discounts on our fees when paying with a specific card,” says Opodo.

Error code: IPAY_RS_10001_2906- Sorry, the payment was not completed. Reason: The system is temporarily unavailable. (Error code: IPAY_RS_10001_2906) Recommendation: Please try paying again. If the problem persists, please contact Alipay customer service.
Solution to the problem: This error usually occurs when paying for an order with a Visa or MasterCard plastic card, sometimes when paying with a Qiwi wallet. The fact is that all payments and monetary transactions on Aliexpress are serviced by the Alipay payment system, which belongs to the Alibaba Group, which includes the Aliexpress online store.

Airlines, agencies and other flight comparators. The order is not always followed. This is a real problem because it creates competition distortion, says David Coutell, co-founder of the Algofly flight comparator. "Tour operators play on words by charging card fees in different ways."

Camille Bertrand, lawyer at the European Consumer Center. Another subtlety in this game of hide and seek is the name given to these card collections. Tour operators play on words by presenting them differently, such as agency fees or travel costs, notes Camille Bertrand, but most of the time on all cards only one offers the lowest price. consumers, “there is a need for further European harmonization,” says the lawyer, since some sites based abroad also play with the rules of their countries, which may differ from our legislation and are not always aware of the French system.

We specifically wrote a request to AliPay, and we were told that the Visa and MasterCard payment server in the Alipay system is not always stable and sometimes payment with plastic cards cannot always be completed successfully, sometimes this is due to system load, system updates or technical work in the Alipay payment service.

So what to do in this case, we recommend that you try to make a re-order or a completely new order from the product page by clicking the BUY button. You can also try using a different browser, pay with another card, change the quantity of goods or try to buy from another seller. Well, if that didn’t help either, try paying for the order later or use another payment method (Webmoney, Yandex.Money, Qiwi wallet, Bank transfer / payment through a bank or using Western Union).

Buyers may also turn to consumer associations to assert their rights, but the opportunity to win a global solution is not always guaranteed. Another tip: directly on the websites of companies. Sometimes the starting price seems higher, but in the end it's better, the agency fees or the credit card is lower.

Typically, you will need to contact your bank or credit card issuer to resolve the issue. You then have several payment options for your deferred payment to get your ads up and running again. To resolve a declined payment, you need to find out why it was declined. . From time to time the payment is rejected. In this case, we may suspend your ads until the payment is paid. To learn how to make sure your ads run again, select the type of rejection that happened.

Error code: IPAY_RS_10001_2917- Failed to pay for the order. Reason: Contact your card issuer.
Solution to the problem: You need to call your bank and ask to turn on the possibility of paying online on the Internet.

Error code: IPAY_RS_10001_3007- The card number you provided is invalid. (Error Code: IPAY_RS_10001_3007) Suggestion: Please make sure you are paying with a valid credit card. If the problem persists, please try again using another form of payment or contact the bank or agency that issued your card.
Solution to the problem: Check the validity period of the card, as well as the entered numbers from the card, first and last name (entered in Latin letters). If this does not help, there is a phone number of your bank on the back of the card, usually the support service is available around the clock.

Error code: IPAY_RS_10001_3010 Security code is incorrect.
Solution to the problem: Check the entered security code (CCV2 code), it is located on the back of the card where the signature is and consists of 3 digits, enter it in the appropriate field when filling out the data and try again. If this code is not on your card, call your bank (your bank's phone number is on the back of your card) and ask if you can pay for goods via the Internet and what you need to enter instead of the CCV2 code.

Error code: IPAY_RS_10001_3012 Money ain't enough (Not enough money)
Solution to the problem: Make sure you have money on your Visa/masterCard, you can also try using another card with money to pay. If it doesn’t help, use another payment method or replenish your account on your card or replenish your account in your electronic money (WM, Yad, Qiwi), also do not forget that you can pay through a bank or Western Union.

Error code: IPAY_RS_10001_3017 The card issuer does not allow this operation
Solution to the problem: Make sure you are using the correct Visa/MasterCard, also try contacting your bank. This error occurs if payment on the Internet is not available or if you use cards other than Visa / Mastercard, but cards like Maestro, American Express, etc.

Error Code: IPAY_RS_520000500 Sorry, payment failed. Cause The system is temporarily unavailable. (Error code: IPAY_RS_520000500) Recommendation: Please try paying again. If the problem persists, please contact Alipay customer service.
Solution to the problem: try to pay later, the payment server or payment gateways may be overloaded, so the payment failed. Sometimes changing the browser helps, you can also try to pay with a card from another bank (if you have one).

Error code: IPAY_RS_7032: the bank's payment system is overloaded
Solution to the problem: I called the bank, they said that because of the promotions on aliexpress (a large number of requests), the payment system at the bank that transfers money to aliexpress flew off and advised me to try to pay later.

Error code: IPAY_RS_7777 Sorry, we are temporarily unable to process your order. Reason: Sorry, the payment was not completed. The system is temporarily unavailable. Please try paying again. (Error code: IPAY_RS_7777)

Solution to the problem: This error often pops up when paying for an order through the Aliexpress Mobile application, try updating it or paying through a computer / laptop. If such an error popped up on your computer, you can try changing the browser or just wait and try to pay later. To continue placing an order, log in to the Aliexpress website and simply go to the My Orders section and your product will be there in the list marked as unpaid, click on it and you can try to pay again.

Such an error in 99% of cases pops up when the card cannot be authenticated, due to the fact that the possibility of paying with this card on the Internet is not connected, therefore the payment does not go through (there is your bank number on the back of the card, just call the bank and ask for Is it possible for your Visa/MasterCard/Maestro card to pay on the Internet.If not, then usually within 5 minutes everything will be connected and activated for you for free, after which you will be able to pay online without any errors in any online stores.This function is disabled for security reasons, so that the grandson does not take a card from his grandmother and does not buy for the entire pension, for example, VKontakte votes or some online games).

Often the IPAY_RS_7777 error is associated with Sberbank of the Russian Federation cards, when paying with a card, one-time SMS passwords are additionally required, but in order for them to come, you need to connect mobile banking, or rather register in the mobile banking system or get a list of one-time passwords at an ATM, there are similar nuances in others banks, just call the bank and your issue will be quickly resolved, below is a screenshot of this error on the computer (for some reason, in the mobile application, Aliexpress does not show and just writes an IPAY_RS_7777 error)

Error code: ISC_RS_5100102051- For security reasons this process can not be continued. If you are making a payment with your card and the page shows this error code, it means that your payment was rejected for security reasons and it is recommended to use other payment methods or a different card. (perhaps you have several cards and you pay for purchases from different cards or other people's cards, although sometimes payment with someone else's card goes without problems).

The Aliexpress security system regards your account or payment as unreliable, perhaps you are using a card that does not belong to you or the same card in different accounts, which aroused the suspicion of the Aliexpress security service.

The easiest way to get around the ISC_RS_5100102051 error is to use a different payment method or a different Visa/MasterCard.

Officially, in order to resume the possibility of paying with Visa / MasterCard cards, you need to write a letter with the subject "Checking by order on Aliexpress", the following documents must be attached to the letter: If you used a personal card for the transaction, send a copy of your ID or passport, or if you used a corporate credit card (company card), you must also attach a copy of the business registration.

But that's not all, you also need to prove that this is your card, so in the letter you need to attach another copy (scan) of the credit card on both sides and make a copy of the bank statement where at least one payment on Aliexpress appears (you can take a screenshot of the screen from the online page banking). In principle, you can do without a bank statement, but this will be a weighty argument to prove that you are you. Information about this error has recently appeared on Alipay (the payment system that processes all payments from Aliexpress), here is the info: https://icshall.alipay.com/hall/cateQuestion.htm?categoryId=596&type=KNOWLEDGE_BASE&helpId=152&language=ru_RU

By the way, this error has recently been observed among buyers from the Crimea and when paying by any means, it is recommended in this case to wait and try to pay later, or when paying, specify a different region in the delivery address and MANDATORY write to the seller with a request to correct the region immediately after payment and agree, i.e. warn the seller that you will enter the wrong address BEFORE payment (when you change the region in the delivery address, the payment starts working and passes without problems, it is advisable to indicate neighboring regions such as Krasnodar, Moscow, ...).
It is better to pay through the site or from a computer, and not through the mobile application or the mobile version of Aliexpress (sometimes errors occur even when changing the region due to the Aliexpress application for Android / iOS). You can also additionally try to pay through the English version of the Aliexpress website, in some cases it helps to get rid of errors when paying.

New information has appeared, the Chinese additionally calculate Crimeans by IP, so in addition to changing the region, use an anonymizer, proxy or services to change / change IP (there are thousands of such services in Google, it helps even if VK is blocked at work). So now no sanctions from Aliexpress are terrible).
They say that the failure is associated with an increase in the cost of delivery to the Crimea, and also due to the fact that electricity (light) is partially absent in the Crimea, which directly affects the delivery time. Aliexpress support promises that payment errors will disappear soon and this is a system failure.

Error code: ERR_EMPTY_RESPONSE- Occurs when you try to log in to the site.
Solution to the problem: solved by clearing the cache in the browser.

Error: Sorry, your payment was not successful! No money has been deducted. Reason: 5, Duplicate Order- duplicate orders.
Solution to the problem: perhaps the order has already been paid, try to go and see this information in the section My Orders (My Orders), if the order is not paid, then you can try to click the pay button which will be next to the order.

Error: Your account is temporarily unavailable due to security reasons- Account blocked. Most likely you have not activated your account on Aliexpress, so your profile is blocked.

Solution to the problem: An account activation link is sent by email when registering on Aliexpress. The link is active for 3 days, after which the account is blocked. But do not worry, now Aliexpress has already removed these restrictions, just rummage through your mailbox and find the account activation letter and follow the link indicated in the letter. If you couldn’t find the letter, then there are a couple more ways to activate your account on Aliexpress ..

If you manage to log in with your username and password, then go to the My Aliexpress section, then edit your profile, then click the edit button and only then you will see a button next to the email "click here to confirm" to resend the activation email, so you can confirm your email address (e-mail). But if you don’t log into your account at all, then under the error message there will be a link with the inscription "Appeal for account reactivation", click on it, fill out the form and within 5 days you will receive a link to activate your account. Although it is easier to register a new account, the truth will have to use a new email.

Error: Reason: An unknown error has occurred. Solution: Please try again later.- Unknown error
Solution to the problem: solved by reordering, this happens after, perhaps the session time has expired or just a glitch on Ali's website.

Error: Something went wrong. Please check your order history before trying to pay again. This will help you make sure you don't pay for the same item twice.
Solution to the problem: Usually, such a sign pops up if your orders already have this product marked "Awaiting payment", and you are trying to pay for the order through the product page. How to fix? Go to the "My orders" section, find this order there (usually it is in the first place) and click "pay" there. The fact is that if you get to the page with a choice of payment options, then the product is automatically saved in the "My orders" section, and if something went wrong, then you can pay for it only from my orders (although you can still delete the product from the My Orders section by clicking on the basket icon next to the order)

Error:
Can't access site
The DNS address of the icashier.alipay.com server could not be found.
DNS_PROBE_FINISHED_NXDOMAIN
this is a DNS server error, there may be 2 reasons, it is either DNS records that have not been updated on the side of your provider or temporary problems on the side of the Aliexpress DNS server. As an option, try to log in from your phone or from another IP, or wait 1-24 hours.

Error: Error 404- the page was not found, the seller's product or store was deleted or does not exist
Solution to the problem: such an error occurs in several cases, most often when there is an error in writing the link, it also happens if the seller’s store is deleted, the product is deleted, or you just come across an outdated link.

If you, for example, bought a product, and the seller does not send the order for a long time, the package takes too long or the order protection time runs out and you want to contact the seller and when you go to the page with the seller’s store, you get an “error 404”, then you can immediately safely

When shopping on Aliexpress, sooner or later you may encounter a problem related to paying money and start looking for an answer to the question - why can't I pay for an order on Aliexpress. In order to get rid of this error, you must first figure out what caused it. Now let's look at the most common ones and try to figure out how to fix everything.

There are various reasons for payment errors. This may be due to:

Aliexpress platforms (its workload);
specific payment system;
and the fault of the buyer.

What to do if payment on Aliexpress does not go through

Most often, the order is not paid, precisely because of server overload (on sales and promotions), but there are other possible reasons.

Another common problem is the code that was not sent to you to confirm the action (payment). The reason for this may be the load or those. operation of your payment system or bank.

Even if the code has arrived and you have confirmed the money transfer, it is quite possible that the status of the order does not change after payment. In this case, you need to do the following:

check if the money has been debited from your account/wallet. If yes, then the order has most likely already been paid for and is awaiting verification, no need to worry, wait a bit;
if the money is not touched, then the server is “loaded”. Re-payment will help;
if re-payment also did not help, try using another payment system, or wait a while and try again.

If, due to the loading of the site, you accidentally paid twice for the order, there is no need to panic - the money, within a few days, will automatically return to the wallet from which the purchase was made.

Payment not going through - problem on the part of the buyer

It often happens that the buyer makes erroneous actions when paying, as a result of which the money is not credited. In the event of an unsuccessful payment, many begin to panic, but in fact you should not. You need to understand what you did wrong.

Here are some common reasons:

many payment systems and banks have a limit money spent per day/month. If this limit has been exhausted, that is, a certain amount has already been spent or the purchase price exceeds the allowed limit, then payment will not work. You need to contact the technical support of the bank or payment system and ask to increase the maximum limit or, if possible, go to your personal account and increase it yourself;
some cards do not allow you to make payments outside your country. If you try to send money to a Chinese bank account, the card will simply be blocked. In this case, you again need to contact the bank employees and enable the online shopping function. Often, owners of cards with support for a high level of protection face such a problem;
quite possible payment system/bank heavily loaded and payment can not be made at this time. If you do not want to pay in another way, you will have to wait.
little money on balance. You need to check the balance in advance, maybe there really is not enough money for a particular product. But what could be the reason if, for example, the goods cost 200 rubles, and this amount is in the wallet, that is, there is enough money? Do not forget that many charge a fee for payment. So before buying, make sure that there is enough money for both the goods and the commission;
the bank refuses to make the payment. The reason for this may be blocked card or has expired. They can block the card if they are suspected of fraud or hacking;
oddly enough, but the reason for the wrong payment maybe even a browser. Try deleting your browser history or pay using another browser;
maybe you incorrectly entered payment information, such as card or wallet number, owner's name, and other data. Be sure to double-check them and try again;
in addition to the maximum amount of money spent, some banks also limit maximum number of transactions per day. If you made, for example, 10 payments per day, and the bank does not allow more than 10, then when you try to pay, the card will be blocked, or payment simply will not occur, depending on the level of protection;
If you are making a payment from a mobile application and the payment is not processed, try using a computer. Really, mobile version Aliexpress has some problems with payment, so don't panic and try to transfer funds to your computer/laptop.

Unable to pay - site problems

As mentioned above, an unsuccessful payment may occur due to a system error of the Aliexpress online store itself. Why? It is very likely that site is being updated or payment function is not available due to the addition of new payment options. In this case, there is nothing left but to wait a while and then try again.

If you waited several hours or even a day, and the problem does not disappear on its own, in this case it is worth contacting those. online store support. There, professionals will contact you and help you deal with the problem.

I can not pay for goods on Aliexpress: other problems

Other reasons why you can't make a payment:

rarely, but it happens that the payment does not come out due to the fact that you haven't verified your account yet. The code with the letter is sent to the user's email specified during registration, and if you do not confirm it, various restrictions may arise, including it will not be possible to buy. Find the registration letter from Aliexpress in your email inbox and confirm the registration;

might pop out Error 404, that is, such a page does not exist. This problem is often associated with the seller, and if you can’t buy from one, you can buy the same product from another. To solve the problem, you need to write to the seller and wait a while until the error is automatically corrected.
Aliexpress can suspect you of fraud. As a result, they may freeze your page for security reasons. This problem occurs if you entered the payment details incorrectly several times and there were unsuccessful attempts to make a payment, so be careful. And it will be possible to unfreeze the page with the help of those. support, where you need to send a “scan” of your passport, a copy of your bank statement and other information. The support team will provide you with the necessary information.
also "double payment" may affect the status of the order. Money transfers are carried out at a certain interval, and if you accidentally paid twice, this may cause an error. In any case, the money will be returned, and the seller will send the order, you just need to wait a few days;
Maybe no access to ali. This can happen both through the fault of your provider, and through the fault of the store itself. These problems are related to DNS, usually after a while (maximum 24 hours) the problem will automatically be fixed. And if not, try logging in through your mobile phone or any other device with a different connection.
the reason may be in blocked account. There can be many reasons for blocking, including seller fraud, account hacking, and more. You will need to restore your account, if possible, and only after that, it will be possible to make a payment.

Why is the payment from the Sberbank Maestro card not going through?

Can't pay by card? The problem may be that some cards have restrictions, for example, the Sberbank Maestro card. This card has a good level of protection. To pay for purchases abroad, you need to contact bank employees in advance with a request to enable certain card functions: for making payments outside the country, as well as the ability to make transactions in online stores.

Often it is the owners of such bank cards that face problems when paying. If this function is enabled for you, but you can’t pay for the order, check for the problems described in the Problem on the part of the buyer section.

Summarize

There can be a lot of reasons, some can be corrected automatically or using the above actions. In any case, try to find a solution.

What to do if a payment made through a cash desk or ATM of Sberbank did not go through? This company offers convenient and fast money transfers, often they are carried out instantly.

But sometimes it happens that the funds are delayed in transit or do not reach the recipient. This article is about how to deal with such issues. Here are some possible reasons.

Wrong details.

You were given incorrect data, or you entered them incorrectly, or the cashier made a mistake when filling out. Also, sometimes organizations change their current account, so it is quite possible that payments to old accounts are no longer accepted.

If the funds do not reach for a long time, you should check whether you have entered all the details correctly. For more information about what data is needed for transfer, read on this page.

Deception by the recipient.

Let's say you sent funds to a seller from whom you want to receive goods by mail. But he claims that your funds did not reach him.

It is possible that you have become a victim of a scam, and the attacker received the full amount. To avoid this, take confirmation of a successful transfer of funds from the bank, and also file a statement with the police.

The card is blocked.

This can happen for many reasons. For example, its validity period has expired, or the bank has forbidden you to make payments due to your delay. Then you need to find out the reasons and correct them by contacting your banking institution.

Mobile banking is not connected.

The client wants to send funds to another recipient via SMS to a Sberbank short number, but to no avail. The explanation is simple - in order to use this service, the sender must have this service activated. How to connect, read on this page.

Failures in Sberbank Online.

Technical problems lead to the fact that the payment process is not carried out immediately. Sometimes it drags on for several days. If your payment via the Internet has not reached the recipient, demand its return - the funds must be returned within 20 days or another period provided by law.

This kind of situation happens very often. when the sender sends money to the recipient, and hopes that they will arrive on the same day. However, this happens only in rare cases, according to the law, banking companies are given up to 3 working days to make a transfer.

Those. if you made a payment before weekends or holidays, a delay of 1-2 days is normal. Do not worry, as soon as the system begins to function again in operating mode, the operation will be completed. And only after 3 days, if the recipient still has not received his money, you should contact the branch for help.

Whatever the reason, you should contact the bank in a way convenient for you - via Internet support, by calling the hotline at 8-800-555-55-50 or at the nearest office of the company.

Here is a useful video on what to do if your payment did not go through a Sberbank terminal or ATM:

In my previous opuses, I described one of the ways to properly use credit cards. In this article, I will try to explain to the reader some of the features of card transactions, both credit and debit. Especially, however, I do not plan to go deep, but I will try to clarify some "particularly interesting" questions.

So. The standard algorithm for any card looks like this:

1. Somewhere in a store or at an ATM, maybe on a website page on the Internet or in some other way you make a transaction. At this point, what happens from the point of view of the IPU is called authorization. In fact, the authorization operation is checking the validity of the card, checking its owner, checking the availability of the required amount of funds on the card and temporarily blocking these funds. The money itself is not going anywhere. They lie modestly on their bank account, although, in the event of a blocking, the specified amount may be blocked on the card balance.

Let's take a closer look. Checking the validity of the card and its owner is carried out in many ways, for example, by entering a pin code during online authorization, contacting the bank and verifying the signature, calling the bank, checking the 3DS code during Internet transactions, and so on. There are many ways and not all of them are "online" and "offline", for example, authorization using contactless payment technology can be made only according to the card data, without communication with the bank. In some cases, for small amounts, authorization may not be performed at all, the terminal captures the authorization information of the card and, without contacting the bank, gives the go-ahead for the operation. This is also due to the fact that cards equipped with a chip and a contactless payment module can contain both an offline PIN verification module and store the amount of available customer funds.

Checking the availability of the amount is also not always used. Some companies may carry out the operation without verification. Often this happens in situations where it is simply impossible to check the availability of the amount online. For example, on an airplane or when paying by card on a cruise ship. Even more interesting is the option when the amount to be withdrawn is unknown in advance. These are, for example, taxi services or car rental companies. In these cases, authorization most often takes place for some minimum amount, like 1 ruble or for a predetermined blocking amount, like $200. But the amount of write-off in fact can be absolutely any.

Temporary blocking of funds, if they were blocked at all, is standard for transactions for which the amount is initially known. Standard purchase transactions in a store or cash withdrawal from an ATM, transfer transactions. Everything is simple here, what amount came in the authorization request, this is blocked. But what's next?

2. Next, preparations for the transaction begin. The acquiring bank, that is, the bank serving the point of sale or ATM, or the same processing on the website receives documents on the operation. These documents can be either electronic statements or downloads of an ATM operating statement, or paper documents. There are also very exotic ways, such as copies of checks for operations carried out by "voice", but they are extremely rare. Having received the documents, the bank generates clearing files. These files are a spreadsheet of a certain format transmitted by the Ministry of Railways through online systems and signed with the electronic signature of the bank. MPS, in turn, generates clearing files for issuing banks, that is, banks that issued your card. Next, the issuing bank receives its clearing file, often several times a day, and carries out a money transfer operation in favor of the acquiring bank. At this moment, money is debited from the card account, what is called a transaction takes place. The blocking of funds, if any, is replaced by a real write-off.

I just want to draw attention to some features of the behavior of the "authorization-transaction" system and show some interesting points:

1. Authorization is not equal to a transaction. During authorization, the money does not go anywhere, it remains in the bank. If the authorization amount is specified, then this amount reduces the available balance of the card, but not the account. In fact, you can have a debit account that contains 100,000 rubles and a card linked to this account on which 1 ruble is available. You just have an authorization for 99,999 rubles. At the same time, in a normal bank, if interest is accrued on the amount of the account balance, then interest will continue to be accrued on the entire amount until the authorization turns into a transaction and the money is actually transferred.

2. Some time passes between authorization and transaction. Often it is 2-3-5 days, but in some cases, due to various failures, this period can be 5-6 months, there were cases that the transaction took place even after a year. What happens in this case and what should be feared? I will answer some of the questions a little lower, but in general there are two options for the development of events - the card still exists and in this case the money will be debited. The card does not exist and in this case the bank will send a rejection of the transaction. In some cases, when a transaction arrives later than a certain period, often this is 1 calendar month, the transaction can be disputed. In this case, I recommend that you think 10 times before trying this. And if you still make such a protest, do not be indignant at the refusal. The fact is that banks are forced to work in the legal field not only of the Ministry of Railways, but also of those countries in whose territory the operation was carried out. And, for example, in the Russian Federation there is such a criminal article as "unjust enrichment" and banks have to take this into account.

3. The validity period of authorization for different banks may be different. The IPU recommends setting the authorization lifetime to "up to 30 days". Many banks set 30, but there are also banks that set the authorization lifetime to 10 or even 7 days. In this case, if the bank has not received the corresponding clearing file within 10 or 7 days, the funds on the card will be unblocked and you can use them again. There is only one nuance here, if in a week the clearing file is received by the bank, it will definitely process it and write off the funds. What can happen in this case? Suppose you have a card and it contains 100,000 rubles. You make an operation for 70000, after a week the bank does not receive the clearing file, the funds are unblocked. You can do the operation again on 100000 and you do it. After another 3 days, the bank receives both clearing files. Your account balance is 70,000 rubles. You have a technical overdraft that is punishable by a commission of 500 rubles and, in accordance with the agreement, you must pay off the debt within a week. Consider this feature.

I would like to digress a little to the possible difference in amounts between authorization and transaction. Options again - the sea. A number of organizations are able to conduct transactions after prior authorization for completely different amounts than blocked ones. How does this happen? In particular, taxis, airlines, hotels, car rental services are able to charge an amount not equal to the authorization amount from the card. For example - you get into a taxi, hold out a card as a source of payment immediately and not after the trip. Part of the taxi will be able to do this, authorization will be for 1 dollar. But after the trip, the bill will change. And after 3-5 days, your card will be charged as much as you actually spent, say $50. This is again a feature, it must be taken into account and taken into account. Well, the difference between the amount of authorization and the amount of the transaction in foreign exchange transactions is generally a general problem. Authorization takes place at the rate on the day of authorization. The transaction will take place at the exchange rate on the day of debiting. At what courses can be different. The first, for example, the Central Bank of the Russian Federation, and the second bank. And here the exchange rate has grown and the percentage difference is 5%. Consider this too. If you want to pay with a ruble card abroad, immediately specify how exactly transactions in other currencies are processed on your card. Do not get a lot of problems in the future and maybe open another card for yourself

Airlines generally create complete "chaos". This is especially true when buying tickets from US airlines. There, authorization can go for one amount, for example, $ 1,000, and in fact there can be 3 write-offs, two for $ 478 and one for $ 44. Honestly! I bought it myself

But back to how we can use this feature for ourselves?

Suppose you have a card with which you can withdraw 150 thousand rubles from ATMs for free in the billing period from 10 to 10 of each month. And in this billing period you have already withdrawn 150 thousand. It's the 8th on the street. We need another 100,000. Wait 10? You may not have to wait. If your bank operates with transaction dates, and not with authorization dates, you can almost safely withdraw money on the 8th. The probability that they will be written off at the bank no earlier than the 10th is very high. Although it's a risk. Your risk, the bank can react very quickly, in a day. And there will be nothing left of free. Consider this moment.

Even more interesting if you have a credit card. Credit card up to 55 days grace period. Do you want 57? It's simple, buy the 8th. The operation is processed on 11, but the statement was generated on 10 and this operation was not included in it. In fact, it will be included in the next statement, here you have 57 days of the grace period. Something like this

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