What does gateway rejected mean? Not surprisingly, this is a common question we receive from business owners who recently opened a business bank account for their LLC and are setting up payment processing. But, it’s also a common question from consumers.
If you have ever tried to make an online payment, you may have encountered the term “gateway rejected.”
But what does this mean, and what can you do about it?
A gateway rejection occurs when a payment gateway is unable to process a transaction due to a problem with the transaction itself.
In other words, it can be caused by incorrect or outdated information being entered, security concerns, insufficient funds, or other issues.
In this article, we will explore the various causes of gateway rejections. Not to mention, provide tips on how to troubleshoot and resolve them.
This will be applicable whether you are a merchant trying to accept payments or a customer trying to make a purchase.
Of course, if you would like to access other free US business banking resources, you can start with opening business bank accounts remotely, acquiring an EIN, SS4 instructions, or US LLC taxes.
Feel free to use the table of contents to jump ahead to the sections most relevant to you.
Table of Contents
- What Does a Gateway Rejected Mean?
- Gateway Rejection
- Frequently Asked Questions
- Ready to Open Accounts With Banks in the USA?
What Does a Gateway Rejected Mean?
“Gateway rejected” typically refers to a situation where a payment or transaction is declined by the payment gateway that processes it. This commonly occurs for a number of reasons that consumers can encounter when making online purchases.
For your reference, a payment gateway is a service that enables the secure transfer of payment information between a customer’s bank or credit card issuer and a merchant’s bank.
For example, there are several reasons why a payment gateway might reject a transaction, which we dive into below. But first, if you are a business searching for financing or a small business loan and are debating between installment of a revolving loan, click the link here to learn more before making your decision.
1. Insufficient Funds:
If the customer does not have enough money in their account to cover the transaction, the payment gateway will reject it.
2. Invalid Card or Account Information:
If the payment information provided by the customer is incorrect or outdated, the payment gateway may reject the transaction.
3. Fraud Detection:
Payment gateways use various measures to detect and prevent fraudulent transactions. If a transaction appears suspicious, the payment gateway may reject it.
4. Payment Limit:
Some payment gateways have limits on the amount of money that can be transferred in a single transaction. If the transaction exceeds this limit, it may be rejected.
5. Technical Issues:
In some cases, technical issues with the payment gateway or the merchant’s website may prevent a transaction from being processed.
So, if you encounter a “gateway rejected” message when trying to make a payment, it is important to check the reason for the rejection and take the necessary steps to resolve the issue. This may involve contacting your bank or the merchant to resolve any issues with your payment information or to troubleshoot technical issues.
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Gateway Rejection
There could be a number of reasons why a payment gateway error might occur. Some possible causes include:
Incorrectly Entered or Outdated Information:
Make sure that all required information, such as billing and credit card details, is entered correctly.
Network or Connectivity Issues:
The payment gateway may not be able to connect to the network or the internet, which can cause an error.
Server or System Issues:
The payment gateway or the merchant’s server may be experiencing technical issues that are causing the error.
Security Issues:
The payment gateway may be blocking the transaction due to security concerns, such as fraud detection.
Insufficient Funds:
The transaction may be declined if there are insufficient funds in the customer’s account.
Expired or Invalid Credit Card:
The transaction may be declined if the credit card has expired or is no longer valid.
Processor Issues:
The payment processor may be experiencing technical issues that are causing the error.
Invalid Transaction
An “invalid transaction” error in payment processing typically means that the payment gateway is unable to process the transaction due to a problem with the transaction itself.
In other words, there could be a number of reasons why a transaction might be considered invalid. These include all of the items listed above tied to gateway rejected.
Furthermore, if you encounter a payment gateway or an invalid transaction error, you may need to contact the payment gateway provider or the merchant’s customer support team for assistance in resolving the issue.
Frequently Asked Questions
Below are two of the most common questions that we receive from people looking to understand what gateway rejection means. If you have further questions you would like answered, don’t hesitate to get in touch with us directly.
Why Is There a Payment Gateway Error?
There could be a number of reasons why a payment gateway error might occur. In fact, some possible causes include incorrect or outdated information being entered, network or connectivity issues, server or system issues, security concerns, insufficient funds, expired or invalid credit cards, or processor issues. So, if you encounter a payment gateway error, you may need to contact the payment gateway provider or the merchant’s customer support team for assistance in resolving the issue.
What Does It Mean Gateway Rejected AVS?
Gateway rejected AVS means that the Address Verification System (AVS) check has failed. In other words, AVS is a security measure used by payment gateways to verify the billing address of a credit or debit card. So, if the billing address entered by the customer does not match the address on file with the card issuer, the AVS check will fail and the transaction will be rejected.
Lastly, this can be a result of inputting incorrect or out-of-date billing information. But also, by a problem with the card issuer’s database. In order to fix this issue, the customer may need to update their billing information or contact their card issuer to resolve the issue.
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