Decline-rate is one of the important indicators for any issuing bank. It is calculated from the ratio of unsuccessful to successful payments.
For the stable functioning of the cards, it is the priority of Finup and our users to keep this indicator at the lowest possible level.

Insufficient funds: The most common reason for a payment to be declined is a lack of sufficient funds on card balance.

Incorrect card details: Entering incorrect card information, such as the card number, expiration date, or CVV code, can lead to a rejection of the payment.

Expired or closed card: Payments will be declined if the virtual card has expired or closed. Always check the expiration date of your card before making a transaction.

At Finup, we have a transparent and flexible fee structure for declined payments based on your decline rate over the past 30 days. Here's how it works:

Standard Decline Fee: The standard decline fee across all plans is $0.25 per declined transaction.

Decline Rate Below 10%: If your decline rate is less than 10% over the past 30 days, we do not apply any decline fees.

Decline Rate Between 10% and 25%: If your decline rate is between 10% and 25%, the standard decline fee of $0.25 per declined transaction applies.

Decline Rate Between 25% and 50%: If your decline rate is between 25% and 50%, a fee of 1.6 times the standard decline fee applies, which is $0.40 per declined transaction.

Decline Rate Above 50%: If your decline rate exceeds 50%, a fee of 2 times the standard decline fee applies, which is $0.50 per declined transaction.

This tiered fee structure encourages maintaining a low decline rate and ensures that fees are fair and reflective of transaction performance.
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