Why is my credit card declining at sign-up?

If you're trying to create a LivePlan account (or change your payment method on an existing one) and encountering errors with your credit card, here are some of the reasons why this may happen:

Prepaid cards

Because LivePlan is an ongoing subscription, your prepaid debit card or credit gift card may have restrictions as forms of payment - some of them can't be used for subscription purchases. You should contact the card issuer to find out. 

Note: Debit cards are usually accepted as long as they have the logo of a major credit card provider on them. 

Mistyped card information

Your bank could deny the transaction if any information was entered incorrectly, including the card number, expiration date, security code, or billing postal code. Postal codes can sometimes create issues if their format differs from your bank's records.

It can help to look at a current bank statement to ensure the billing postal code you're entering matches your bank's records exactly. You might also contact your bank to ask what postal code you should enter for an online transaction with a U.S. company.

Purchase restrictions

Some credit accounts may also have restrictions on certain transactions. Even if your account has sufficient funds, your bank may not allow the transaction itself. You may want to ask them whether ongoing subscriptions or international purchases are restricted for your account.

We do not have access to your personal banking information, so we only receive limited details about why a transaction declines. Your bank will have more information, and it's helpful to ask them the specific questions above.

We also accept PayPal payments, which can be linked to your bank account. Please contact PayPal for more information.

For users accessing LivePlan on an Apple device using Safari, we also offer the option to pay with Apple Pay. This provides a convenient and secure way to manage your subscription payments directly from your Apple device. For more information on how to set up Apple Pay, you may visit Apple support.





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