Why was my payment declined: FAQ

Q: What can I do if my card keeps getting declined?

If your payment continues to fail, try the following: Use a different payment method , such as digital wallets, ACH Plaid (US and EU only). Contact your bank to ask if they allow transactions to Kraken. Try a different browser or device , as cached settings may cause issues. Ensure your card supports 3D Secure authentication , as some banks require this.

Last updated: 2025年5月25日

We understand that having a payment declined or seeing a pending charge can be frustrating. While banks and payment providers have various security measures in place, some declines or temporary holds can be unexpected. See below for our most frequently asked questions.

Payments can be declined for several reasons. Here are some of the most common causes:

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Bank or Card Issuer Rejected the Transaction – Some banks block transactions to cryptocurrency platforms by default.
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Security Blocks by Banks – Some banks allow a few purchases before blocking further transactions for security reasons. If this happens, contacting your bank can help lift the restriction.
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Payment Processor Issues – Occasionally, payment processors may experience technical issues or temporary failures. If a transaction does not go through, trying again after a few minutes may resolve the issue.
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Insufficient Funds – Make sure your account or card balance covers the transaction.
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Incorrect Billing Information – Ensure your name, address, and card details match what your bank has on file.
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Transaction Limitations – Your bank may have daily spending or international transaction limits.
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Pre-Authorization Holds – Even if a transaction fails, a temporary hold may appear on your bank statement.

What happens if I see a pending charge?

If a transaction fails but a charge appears as pending, this is a pre-authorization hold placed by your bank.

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Kraken does not claim funds for failed transactions.
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Your bank will automatically release the hold, usually within 7 business days, though this often happens sooner.
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If the charge remains longer than expected, we recommend contacting your bank, as they may be able to release the funds sooner.

What can I do if my card keeps getting declined?

If your payment continues to fail, try the following:

•
Use a different payment method, such as digital wallets, ACH Plaid (US and EU only).
•
Contact your bank to ask if they allow transactions to Kraken.
•
Try a different browser or device, as cached settings may cause issues.
•
Ensure your card supports 3D Secure authentication, as some banks require this.

Why was my payment declined: FAQ

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