Error & Decline Message Lookup

See a message on Alipay or WeChat Pay? Find it below for the cause and fix. Verified October 2026.

Tip: use Ctrl/Cmd+F to search this page for the exact message on your screen.

Payment Declined

“Payment declined by bank”

Both

“3D Secure verification failed”

Both

“Insufficient funds / cash advance declined”

Both

“Payment fails only when VPN is on”

Both

“Verification needed — please re-link your card”

Both

“Account restricted — try again in 24 hours”

Both

“Please verify your identity”

Both

“This requires a Chinese bank card”

Both

“Name does not match”

Both

“Can't link card — rejected”

Both

Not sure which error you have? Run the diagnosis.