Payment declines happen from time to time, and when they do - it is important to understand the reason so that the purchase can be finished successfully.


In short

To resolve a declined payment, you'll need to figure out why the payment was declined. 
Usually, this involves contacting your bank or credit card company to fix the issue.


1. Figure out the reason for the decline

Once the declined payment happens, your credit card company or bank may share the reason for the decline with us. If this is the case, we show the reason to you in the form of an error message.


Keep in mind that Swimmo doesn't decline your payment - your credit card company or bank does. If there's no reason listed, we don't have the details, and you'll need to contact your credit card company or bank for the reason.


2. Contact your credit card company or bank

If you couldn't figure out why your payment was declined, or if you can't solve the issue, contact the bank that issued your credit card. Swimmo support can't help you with any declines. This is because your bank, not Swimmo, is the one that declines your payment.

Here's how to contact your bank:

  1. Call the support phone number that's shown on the back of your credit card.
  2. Tell the representative that you were trying to pay for Swimmo, it was an online transaction, but that your payment was declined. Let them know the date, amount and the currency of the decline.
  3. The representative will give you the exact reason for the decline and help you resolve the issue.
  4. What may help is mentioning is that transaction was made online (MO/TO), merchant comes from the United States and transaction description is "SWIMMO".
  5. Once the issue has been fixed, try your payment again using Swimmo Checkout

Solutions for the most common declined payment reasons

The issuing bank doesn't allow the use of the card for internet or international transactions. 

  1. Talk to your bank to allow these types of transactions, then retry the payment.
  2. What may help is mentioning is that transaction was made online (MO/TO), merchant comes from the United States and transaction description is "SWIMMO".
  3. Or, enter a new card that does allow internet or international transactions.
  4. Or, you can try alternative payment methods described below. 


You've exceeded the card's credit limit or single transaction limit. (or You exceeded the maximum number of charges the card can receive in a period.)

Talk to your bank to increase the limit, then retry your payment. Or, enter different card or use alternative payment methods described below. 


The account doesn't have sufficient funds. 

Make sure there are enough funds in your account, then retry your payment. 


Alternative payment methods? 

If there are still issues or you are not comfortable paying via debit/credit card, you can pay via the following alternative methods: PayPal payment or (SEPA) EUR Bank Transfer (European Union) or International Bank Wire Transfer. In case of any other questions, please contact us.