Short Answer:
Choose a different saved card or select Pay via another card, then retry. If a Currency conversion modal appears, review it and click Continue before trying again.
Prerequisites
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Be signed in
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Have at least one alternative card available (or be ready to enter a new card)
Steps
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Go to Settings > Billing > Wallet & top-up and check which Payment method is selected.
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Select a different saved card, or choose Pay via another card to enter a new one.
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Re-enter the amount and click Add funds.
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If the Currency conversion modal appears, review the totals and click Continue.
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If the decline persists, wait a few minutes and try again, or use a different card/provider.
Troubleshooting
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Card declined repeatedly
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LikelyCause: Issuer blocked the transaction or card details are incorrect.
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Action: Verify details with your bank, try a different card, or use Pay via another card to enter fresh card information.
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Charge amount differs from expectation
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LikelyCause: Currency conversion and GST adjusted the final amount in INR.
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Action: Compare your bank statement to the Total amount shown in the Currency conversion modal before confirming.
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Note: If declines continue across multiple cards, contact your card issuer to determine the reason.