When a charge is submitted to the issuer of your card, they have automated systems and models that determine whether or not to authorize it. These systems analyze various signals, such as your spending habits, account balance, and card information such as the expiration date, address information and CVC.
If your card issuer declines a payment, Stripe shares with you as much information explaining the decline as we receive.
Unfortunately, most declines are categorized by the card issuer as “generic” so it’s not always possible to know exactly why a payment was declined. If all of the card information seems correct, it is best to contact your card issuer and ask for more information. For privacy and security, card issuers can only discuss the specifics of a declined payment with their cardholders–they cannot discuss this with Spice Retail, or even with Stripe.