If a debit card payment to your Credicorp account was declined on the Make a Payment page, the good news is that nothing has gone wrong with your loan. A decline means the payment was stopped before any money moved — your balance is unchanged, and you can try again as soon as the cause is cleared. The great majority of card declines are triggered by the company's own bank or card provider, not by us.
Common reasons a business card is declined
The card networks return a short reason code that we are not always able to see in full. The most common causes are:
- Daily limit reached — many business debit cards have a per-transaction or per-day spending limit. A larger repayment can exceed it even when the funds are there.
- Fraud-prevention block — banks often pause an unfamiliar or larger-than-usual online payment until the cardholder confirms it. This is the single most frequent cause.
- Card details — an expired card, a recently reissued card, or a mistyped card number, expiry date or security code.
- Available funds — the payment is more than the cleared balance or agreed overdraft on the account at that moment.
- Wrong billing address — if the postcode or address entered does not match what the bank holds for the card, the check can fail.
- Card type not accepted — we take UK business debit cards. Credit cards, prepaid cards and some commercial cards may be declined.
What to do next
Work through these in order — most companies are paying successfully within a few minutes:
- Check with the bank or card provider first. A quick call (or a tap in the banking app) will usually tell you exactly why the payment was stopped and let you approve it.
- Confirm the card details on the Make a Payment page — number, expiry, security code and the billing postcode registered to the card.
- If a fraud block was the cause, ask the bank to release it, then retry the same payment.
- If the amount is over a daily card limit, either ask the bank to raise it for one transaction, or split the payment, or pay by bank transfer instead using the details on your statement.
- Make sure the person paying is authorised to use the card and to make payments on the account — see who can authorise payment changes on the account.
A declined payment is never recorded as a missed payment in its own right, and it has no effect on the company's business credit file. It simply did not go through.
If the card keeps being declined
If you have checked with the bank and the card is still refused, you do not need to keep retrying. You can pay another way and still meet your due date:
- Bank transfer — pay from the company account using the sort code, account number and reference shown on your statement.
- Direct Debit — set one up so future payments are collected automatically and you avoid card limits altogether. See how can I make a payment for every option.
If a Direct Debit rather than a card was declined, that is handled differently — read what happens if my Direct Debit fails.
Did my payment go through or not?
Occasionally a card payment looks like it failed in your browser but actually reached us, or the reverse. If you are unsure whether a payment landed, do not assume — check before you pay again so you do not pay twice. The steps are in how do I check whether a payment has reached you.
Still stuck? Use the Payment Support form, or reach us through the Contact Us page, and we will help you get the payment in. Please never send card details by email — we will only ever take a card on the secure Make a Payment page or over the phone.
See also: Can I change the date my payment is taken?, Can I make a one-off extra payment without changing my Direct Debit?, Can I pay a Flex drawing from a different card or account?.