The decline rate is the percentage of failed transactions.
It is calculated separately for each card and includes all failed transactions over the last 14 days.
Transactions with a pending status are also included in the calculation.
If the decline rate becomes too high, the card may be blocked.
When do you receive a high decline rate notification?
If the decline rate for an active card exceeds 30%, you will first receive a notification.
This warning is a signal to review the card and check the reason for the declined transactions.
At this stage:
Only active cards are monitored
Transactions from the last 14 days are considered
All transactions are included in the calculation, including pending ones
If the decline rate exceeds 30%, the cardholder receives a notification:
via email
via Telegram (if connected)
At this point, the card continues to function.
What happens if the decline rate decreases?
If, after the warning, the decline rate drops below 30%, the card is automatically removed from system monitoring and is no longer considered “at risk.”
If you normalize your payment activity, the system will take this into account.
When is a card automatically blocked?
A card is blocked only if all of the conditions below are met.
The card will be automatically blocked if:
the decline rate exceeds 50% over the last 14 days
at least 70% of the last 15 transactions are declined
the last two transactions are declined
at least 5 days have passed since the first warning
Pending transactions are also included in the calculation.
How to avoid blocking
Avoid a large number of declined transactions
Check card details and limits before making payments
Do not test the card with repeated attempts
Monitor your decline rate in the Dashboard
If you receive a warning, you have 5 days to normalize your activity.