Diagnose in Order
1
Check if Stripe is in live mode
Go to Settings → Payments → Stripe. If it shows Test Mode, real card payments will always fail. Switch to live mode.
2
Read the Stripe decline code
Open Commerce → Orders, find the failed order, and note the decline reason. Then log into your Stripe dashboard to find the specific error code.
3
Card decline by issuer
The most common failure. The customer's bank declined the charge. Ask the customer to try a different card or contact their bank.
4
Insufficient funds
The card does not have enough balance. Ask the customer to use a different payment method.
5
Expired card
The card on file has expired. Ask the customer to update to a current card.
6
Stripe account verification issue
If your Stripe account has outstanding verification requirements, Stripe may pause payouts or block charges. Check your Stripe dashboard for any outstanding requirements or notices.
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