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Authorization Failed: No reason provided by your Financial Institution

Google Employee
# 1
Google Employee

Hey AdWords Community!

My name is Uma and in this article, I’ll be sharing some information on one of the most common errors that you might see when your credit card has declined a payment: “authorization failed: no reason provided by your financial institution.”

 

When does an “Authorization” happen and why does it fail?

 

Every time you use your credit card details to make a purchase, an authorization request is sent by the store or merchant to ensure that your credit card details are correct and that there are enough funds for the transaction to go through. This is a preliminary check before the transaction can be confirmed. The same thing happens when you update your credit card details in an AdWords account.


If the authorization request is successful, you won’t see any messages and the credit card gets updated in the account automatically. However, if the request is not fulfilled by your credit card company/bank, our system will show the error message “Authorization failed.” We usually also list the reason for the decline if it has been provided by your bank/credit card company. In some instances, however, when we don't get details from the bank for the decline, you may see the message “Authorization failed: no reason provided by your financial institution.”

 

What can I do?

 

If  you see this error message, we suggest you check for the following:

  • Have the card details have been entered correctly, including the card number and expiration date? If something was amiss, then you will need to re-enter it as a new card to fix the error.
  • If the card has been successfully charged before, and all the details are correct, then contact your bank about the reason for the decline. They will be able to provide more information on why the charge was declined and help you fix the issue.
     

I hope this was useful. Do feel free to leave any questions that you may have in the comments section below.

 

Have a good day!

Uma

2 Expert replyverified_user

Re: Authorization Failed: No reason provided by your Financial Institution

Community Manager
# 2
Community Manager
Thanks for sharing, Uma!