Gleam uses Stripe to process credit card charges, on some occasions your bank may decline the charge for a number of reasons.

Often banks won't give us a reason as to why the card was declined, it may be possible that the charge triggered a declined or suspicious response from the bank. Some US and European banks also dislike that we are an Australian company, and occasionally flag legitimate charges as fraudulent.

You will need to call the bank to find out why they declined the charge, once they whitelist it you'll be able to retry and the payment will go through.

This is how our payment processor authorises the account can be charged. The payment will be reversed.

If you get this type of decline then it simply means there's not enough funds in your account to facilitate the charge. You'll need to make enough funds available to proceed.