Unfortunately a payment may be declined via our system, based on the response from the card networks.

There are a number of reasons why this may have occurred however the most common two are listed below.

Funds not available on your card

This is the most common reason why your transaction has been declined. If you have recently made a payment to your credit card account, please ensure that the funds have cleared on your card and are available to make this payment. To check, please contact your account manager or call the number on the back of your card. For Yak Pay users utilising a Visa or Mastercard, please refer to your online banking facilities. Click Here for further information on how to view your available funds.


Fraud detection has been activated

If you are new to our service, or if this is a large transaction then your card provider's fraud protection service may have blocked the transaction. To check if this is the case please call the phone number on the back of your card. For Yak Pay users utilising a Visa or Mastercard please contact your specific issuer for further clarification.

Other possible reasons for your payment(s) having been declined

Card not yet activated: If your card has recently been issued, it is possible that it hasn't yet been activated. If you suspect this please contact the issuer.

Please Note: If you have had a declined payment on Payment Logic recently it is worth noting that the attached processing fee amount typically takes 2-3 days to return back to the card and available for use again. For Yak Pay users this may differ between each issuer.

Failing these options please check with your card provider to see if there is another reason why this transaction(s) has been declined.