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Why Was My Upgrade or Subscription Payment Declined?

Follow this guide to resolve common issues with declined payments.

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Written by Brittany
Updated over 2 months ago

If you tried to upgrade your Lightfolio subscription and your payment has been declined, you can resolve this issue by following these steps.

Verify Card Funds

Verify that the card you added to your Lightfolio Account has enough funds available in the account. Make sure that the funds for your subscription aren't on hold. You can usually check your account funds or balance by logging into the banking website or app associated with your card.

Contact Your Bank

In the event that your card continues to be declined despite verifying card funds, contact your bank. Your bank's automated system may have flagged the transaction as unusual for a variety of reasons. This is also one of the most common reasons your payment was declined. Let your bank know that you're trying to set up a recurring subscription payment for Lightfolio.

If your bank needs any information from Lightfolio, please email us at [email protected].

Verify Your Card Details

If you haven’t had issues paying for a recurring Lightfolio subscription before, but have suddenly encountered this issue:


Make sure your payment method information is up-to-date, and that you use a credit or debit card that supports online transactions, such as Visa or MasterCard. We also accept American Express and Discover credit cards.

Verify that the card on file has the correct billing details entered, including:

  • Cardholder's name

  • Billing Address

  • Card Number

  • Security Code (e.g., CSC, CVV, CVC, CID)

  • Card Expiry Date

If any of these details are incorrect, it can cause your payment to be declined by your bank. To fix any errors, update your card information as described in How To Update Your Card or Payment Method on File.

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