There could be a number of reasons why a transaction failed. For example, there might not be sufficient funds in the account, the card may have expired or the correct CVC2 may not have been entered. Or, merchants may have their own restrictions in place, which may also lead to a declined transaction. If there is enough balance on the card and the data have been entered correctly, please contact the merchant first. If you are unable to resolve your query with the merchant, you can of course contact the pay2d customer service team.