Credit card declines
There are a few reasons a credit card may be declined when you are attempting to pay for ArmourZero. This notification is not from our software, but rather, directly from your bank or card provider.
Unfortunately, ArmourZero unable to receive specific information about why the card is being declined, or how to correct it. The two most common causes we find for a "card declined" message is:
- Your credit card number and expiry date are incorrect. Please check and try again.
- You are using a debit card, and your bank won't allow this transaction on a debit card.
Solving declined transactions
Contact your bank and ask them why it is being declined. In some cases, it will take a few calls to get the bank to reveal the cause, and their first-level support people may not know why.
From our end, we can only check that payments for other cards are going through and that our payment gateway is operating correctly.
International transaction fees
ArmourZero supports three (3) currencies that are determined by the billing address in your account:-
- Malaysia: MYR (Ringgit Malaysia).
- Singapore: S$ (Singapore Dollar).
- Other countries: $ (US Dollar).
If you pay in a currency that doesn't match the one attached to your credit/debit card, in most common issues some card providers will charge an extra fee, known as an "international transaction fee" or "foreign currency fee".
This makes the total that you pay slightly higher than what your ArmourZero invoice states. The extra charge is usually 1–3% of the invoice cost and it's either charged as a separate transaction on your credit card or added to the invoice total.
Rest assured, ArmourZero is only charging you the amount noted on your account invoices. Our billing system is unfortunately unable to detect the extra charge that is being added by your bank. Therefore, we are hardly unable to add the amount to your invoice.