A declined payment is almost never on smartport's end — we just route the request via our payment provider Mollie. The decision is made by your bank, card issuer, or e.g. PayPal/Klarna.
How to proceed
- Check the inputs: card or IBAN number, expiry date, security code — a typo is enough to trigger a decline.
- Check the balance: is the available limit or balance enough for the order amount?
- 3-D Secure / TAN: sometimes the confirmation in your banking app is missing — it runs in the background. Enable push notifications or open the app again.
- Try a different payment method: if card doesn't work, PayPal or Klarna is often a fast alternative.
If nothing helps
If the payment keeps failing, the fastest path is contacting your payment provider — for security reasons we cannot see the decline reason from your bank/card. For Klarna questions (instalment amount, credit check, deferral) Klarna is the quickest route.
Note: declined payments are not charged. If an amount was nevertheless debited, contact us — we'll check it with Mollie.