Often times payments get declined because the transaction is for a good or service that is not typical for your account. Payments get coded for each business type by merchant account processors. In the case of our courses, the transaction would be coded as an online software or online education service, which your bank might interpret as potential fraud because it is 1) not the typical type of purchase you make, and 2) it is an online transaction without the card being physically present to swipe or insert into a card chip reader.

Other reasons could be that the name on the transaction does not match the name on the card.

Of course, the other reasons for a credit card decline are much more typical.

* The card number could be wrong.
* The card could be expired.
* The CVV code might have been entered incorrectly.
* The card might be maxed out.
* If it’s a debit card, funds may not be available.
* The card could have been reported lost or stolen.
* Etc.

IMPORTANT:  If you attempt to make a purchase and your card declines more than 3 times, please email Support@APNGA.com and inform us of the issue.  If you continue to attempt to make the transaction and your card continues to decline, our system may flag your IP address as a security threat, and your IP address can get banned.  So, email us rather than continue trying to make your purchase.