Due to our transition to a new payment processor, some of our gifters are experiencing errors they have not encountered before with the old system. This article provides some solutions we have found.
Article Sections:
☎️ My gifter is seeing "Contact your bank to approve this transaction" or "Your credit card issuer requested that you contact them"
Most commonly associated with code 201, code 252, code 441
WishTender now has a different merchant ID than we did before and banks may not yet recognize us. This is called a "Do-not-honor" decline, and the banks decide when you see this message. This will happen with some banks that are extra careful about processing transactions, especially if your gifter use a bank that is in a different country than our merchant bank (US).
👉 Your gifter can solve this by calling up/ contacting their bank and tell them to approve transactions from WishTender. Then this message may reduce in frequency as the bank see that their customer is approving transactions repeatedly.
🚫 The transaction request was rejected - Code 200
A processor decline indicates that the customer's bank has refused the transaction request. This means that the request was rejected before it even reached our system, most likely by the issuing bank - the gifter's bank. When this occurs, your gifter should calling up/ contact their bank and tell them to whitelist transactions from WishTender.
❗ Note that completing the automatic security check from banks when hitting Checkout is not the same as manually contacting their bank.
🚫 Insufficient funds error - Code 202
"Insufficient funds. Please check your account or use a different card."
It always help to double-check, but note that this can also happen if it is a credit card and the owner of the card went above the limit of the card.
🚫 Authentication Unsuccessful error
This is an error within the 3-D Secure Flow for Secure online transactions which we do not have control of. Sometimes switching browsers or devices, or turning off extensions that block browser tracking, can help fix the issue. If the issue persist, your gifter can try contacting their bank.
💳 Can guests save their payment method?
Before, guests were able to use Stripe/ Link to save their payment methods without having to sign in to WishTender.
However, right now we're only allowing gifters with registered accounts to save their payment methods for security reasons. We may follow up on this in the future but for now it is recommended that your gifter create an account if they want to be able to check out faster using saved cards.
💎 Will other payment methods besides cards be available?
To start, we're accepting card payments only. We'll add more payment methods over time. But first, we are focused on getting card payments up and running smoothly. Our accepted cards are Visa, Mastercard and Discover.
We received a lot of requests for CashApp to be available again and we do want to state that CashApp is on our roadmap. We also have access to Venmo and PayPal, however we need to verify whether these two options lead to certain dispute types that we block.
Currently, we're still investigating the risks involved in applying to accept AMEX cards as AMEX do not allow its cardholders to make payments for digital adult products.