Infrawire — Common Payment Issues

This document outlines common reasons why a payment may fail, depending on the payment method used.

Credit / Debit Card

• Insufficient balance — Not enough funds available on the card.
• Blocked by your bank — Your bank may block the transaction for security reasons (e.g. foreign merchant, unusual amount, unrecognized transaction type).
• Flagged as fraud — The transaction was automatically detected as potentially fraudulent by your bank's or card provider's fraud detection system.
• Expired card — The card's expiration date has passed.
• Incorrect card details — Card number, expiration date, or CVV entered incorrectly.
• 3D Secure authentication failure — The additional verification step (OTP, banking app confirmation) was not completed or failed.
• Card limit exceeded — The transaction exceeds your card's daily/monthly spending limit.

PayPal

• Insufficient PayPal balance — Not enough funds in your PayPal account.
• Linked card/bank declined — The funding source attached to your PayPal account rejected the charge.
• Account limited or restricted — PayPal has placed a limitation on your account (e.g. pending verification, suspicious activity review).
• Currency conversion issue — Problems processing the payment due to currency mismatch or conversion fees.
• Transaction flagged as suspicious — PayPal's fraud detection system blocked the payment.

Cryptocurrencies

• Insufficient funds or network fee — Wallet balance too low to cover the payment plus network (gas) fees.
• Wrong network or address used — Sending via an incompatible network or to an incorrect wallet address.
• Transaction not confirmed — Network congestion causing delays in confirmation.
• Wallet connectivity issues — Problems connecting or authorizing the wallet.
• Underpayment — Sent amount doesn't match the required amount due to price fluctuation or fee miscalculation.

Bank Transfer via SEPA

• Incorrect IBAN/BIC — Wrong account details entered.
• Processing delays — SEPA transfers can take 1–2 business days; delays may occur due to bank processing times.
• Compliance/AML checks — Banks may hold transfers for anti-money-laundering verification.
• Insufficient funds — Not enough balance in the sending account.
• Transfer limits exceeded — The amount exceeds your bank's transfer limit.

Russian Bank Card (SBP)

• Bank-side restrictions — Your bank may restrict or block transactions to certain merchants.
• SBP transaction limits exceeded — Payment exceeds the daily/monthly limit set by the Faster Payments System.
• Compliance checks — Transactions may be held or blocked for regulatory verification.
• Currency or conversion issues — Problems processing payments due to currency handling.

If a payment fails, we recommend:

1. Checking your available balance.
2. Verifying that your bank has not blocked the transaction.
3. Contacting your bank or payment provider to confirm the reason.
4. Trying an alternative payment method listed in our accepted methods.

If you still have issue with Payment, we recommend you to contact the Infrawire Support

Updated on: 30/07/2026