If your credit card payment to Chexy fails, you have until 9:00 PM EST on the same day the charge failed to resolve it. You can do this by signing into your dashboard and clicking the "Resolve Now" button displayed on your failed payment. This payment resolution window closes at 9:00 PM EST on your charge day, which is 3 business days before your payment due date.
Using a Different Card? Here’s What You Need to Know
If you use a different card to resolve the failed payment, this card will automatically become your default payment method.
If you don’t want to use this card for future payments, you can update your payment method once your black-out period ends after your payment due date.
Why Did My Payment Fail?
Here are the most common reasons for payment failures and how to resolve them:
1) Expired, Incorrect, or Outdated Card Information
Update your payment details or use a different card by clicking "Resolve Now" in your dashboard.
2) Insufficient Funds or Transaction Limit Reached
If you have resolved the issue with your bank and want to retry the charge on the same card, click "Resolve Now" in your dashboard or visit http://app.chexy.co/payments/restricted-update
If the issue persists, you can select a different card when resolving the payment.
3) Security Block from Your Issuing Bank
If your card is active, has sufficient available credit, and the information is correct, your bank may have blocked the charge for security reasons.
Contact your bank’s fraud department and request that they lift any security blocks on the transaction.
Once the block is removed, go to your dashboard and click "Resolve Now" or visit http://app.chexy.co/payments/restricted-update to reprocess the payment.
What If I Miss the Payment Resolution Window?
If you don’t resolve the failed payment by 9:00 PM EST on your charge day, Chexy will be unable to process your payment for this month. You will need to arrange payment with your payee outside of Chexy. Your account remains active and we will attempt to charge your card next month as scheduled.