Why am I unable to pay with my credit card?

If a credit card payment fails, it can be due to various reasons, such as a failure with our credit card partner. However, these issues often have to do with an automatic credit check and risk assessment by our credit card partner, which may inaccurately result in a negative evaluation. Unfortunately, due to data protection reasons, we do not receive detailed information about why a card is declined. The following points have often been problematic in the past:

1. Missing phone number during registration
2. Unknown address or spelling errors in the name
3. Different billing and shipping addresses in different countries
4. Unusually high shopping cart value for the used credit card
5. Your card does not support the 3D Secure process

In some cases, the problem cannot be resolved. In this case, please contact us via email or ticket and we will gladly check if another payment method such as PayPal or purchase on account is possible for you.

Explanation of the 3D Secure process:

To increase the security of credit card payments on the internet, MasterCard has developed the MasterCard SecureCode security process, similar to Verified by Visa. The umbrella term for both procedures is 3-D Secure. The process ensures that the purchaser is actually the rightful owner of the credit card by requesting a password during the credit card payment on the internet.

When paying with a credit card in an online shop, the system first checks whether the customer's credit card number participates in the security process, meaning whether the customer has received a corresponding password from their bank for online shopping. After registering, registered customers are shown an input page of their bank where they must enter their password. The page is additionally provided with a "greeting" from the bank so that the customer can be sure that it is actually a page of their bank. If the password is correct, the payment is processed. In contrast to the Card Validation Code (CVC), the MasterCard Secure Code offers more security because it is determined in a separate registration process while the CVC is printed on the back of the card.

The fraudulent use of intercepted card data in e-commerce is greatly restricted by the process because the password is set by the customer during registration and is known only to them.