Payments can be rejected for different reasons. Some examples can be:
- Lack of funds: the user would need to top-up their account and try the payment again.
- Daily limits: each provider can set different limits for payments done on the Mobile App or Web Browser. If a payment breaches that limit, it will be rejected. For more information on limits for each provider, please see this article.
- Issues with the request: some providers include limits to the number of characters for certain fields of the payment request. You can see some examples here, for Barclays or Starling.
- invalid special characters: some special characters are not accepted in the reference fields. You can find more information here.
- AML / Risk: the provider may have flagged a particular account, blocking it from making payments. If this is the case, the user will need to reach out to the provider directly.
Some accounts based in Jersey, Guernsey and Isle of Man are not eligible for Open Banking at the moment, and payments requests using those accounts will be rejected as well.