We know it can be frustrating when a payment doesn’t go through. At Oaknix, we want to help you quickly understand why your payment might have been declined and how you can fix it so you can complete your order with confidence.
Below are the most common reasons for declined payments and what you can do about them.
Insufficient Funds
✔️ One of the most common reasons is that your bank account or card doesn’t have enough funds.
✔️ Double-check your balance before retrying the payment.
✅ Tip: If you’re paying by card, confirm you have enough available credit or balance.
Incorrect Card Details
✔️ Errors in entering card information (number, expiry date, CVV) can cause a decline.
✔️ Make sure all the details match exactly as shown on your card.
✅ Tip: Even a single wrong digit can lead to rejection.
Bank Security Blocks
✔️ Sometimes your bank may block online transactions for security reasons, especially for new or large transactions.
✔️ Your bank may flag the payment as suspicious until you confirm it.
✅ What to Do: Contact your bank or card provider to approve the transaction.
Card Not Enabled for Online or International Payments
✔️ Some Nigerian debit cards need to be activated for online transactions or international use.
✔️ If your card isn’t set up this way, payments will be declined.
✅ What to Do:
- Check with your bank.
- Enable online payments through your banking app or by visiting your branch.
Expired Card
✔️ Payments will fail if you’re trying to use an expired card.
✔️ Always check the expiry date before attempting payment.
✅ What to Do: Use a valid, unexpired card.
Daily Transaction Limits
✔️ Many Nigerian banks set daily limits for online transactions.
✔️ If you hit your limit, further payments will be declined until it resets.
✅ What to Do:
- Check your daily limits with your bank.
- Adjust them if needed.
- Try a different payment method.
Network or Gateway Errors
✔️ Occasionally, payment gateways or banks may have temporary technical issues.
✔️ These can cause declines even if your details and funds are fine.
✅ What to Do:
- Wait a few minutes and try again.
- Use another payment method if the issue persists.
Payment Method Not Supported
✔️ Make sure you’re using one of Oaknix’s approved payment methods:
- Debit/Credit Card (Visa, Mastercard, Verve)
- Bank Transfer
- Pay on Delivery (where available)
✅ Tip: Check that the payment option is available for your order at checkout.
What to Do If Your Payment Keeps Failing
If you keep getting a decline message:
✔️ Double-check all payment details.
✔️ Ensure your card is activated for online use.
✔️ Confirm you have enough funds.
✔️ Try a different card or payment method.
✔️ Consider using Pay on Delivery (if available for your address).
Still Need Help?
If you’ve tried these steps and your payment still isn’t working, we’re here to help!
📧 Email: support@oaknix.com
📞 Phone/WhatsApp: +234 8057446078
💬 Live Chat: Available on our website during business hours
Our team can help you understand the issue and complete your purchase.
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