Don't worry, this is usually easy to fix. Here are the most common reasons and solutions.

Your card may not have enough available balance to cover the purchase.

Fix: Check your balance and try again, or use a different card.

Your bank may have blocked the transaction for security reasons.

Fix: Call your bank to authorize the purchase, then try again.

A typo in your card number, expiry date, or CVV can cause failures.

Fix: Double-check all details and re-enter carefully.

Cards past their expiry date won't process.

Fix: Use a current card.

Some cards block international transactions, and your bank may flag our payment processor as international.

Fix: Call your bank to enable international purchases.

Your card may have a daily spending limit.

Fix: Wait until tomorrow or contact your bank to increase the limit.

Some Canadian banks add an extra verification step (often called 3D Secure or "Verified by Visa") before approving an online purchase. If your bank asks you to confirm the charge through a code, push notification, or biometric prompt, complete that step and you'll be returned to your order automatically.

On the ShopBroker mobile app, this happens right inside the app, so you don't need to switch to a browser. If you cancel or dismiss the verification, the payment won't go through and you can try again.

Double-check your card details. Even one wrong digit causes failure.

Try a different card. Debit, credit, or another card entirely.

Clear your browser. Sometimes cached data causes issues.

Try incognito mode. This rules out browser extension problems.

If your payment failed, you shouldn't be charged. However, you might see:

These aren't real charges and will disappear. If you do see a charge that didn't result in an order, see I Was Charged But My Order Didn't Complete.

If you've tried everything and payments still fail:

Contact our support team

Provide the error message (if any) and which payment method you tried (PayPal or card)

We'll help troubleshoot

If you're trying to pay with PayPal specifically, see PayPal Checkout Issues for PayPal-specific troubleshooting.

Sometimes there are temporary system issues on our end that we can resolve quickly.

We want your purchase to go smoothly!