Work through these in order:

1. Check your card balance. The most common cause. Your card is prefunded, if the loaded balance doesn't cover the purchase, it declines even when your Send balance is healthy. Load more onto the card and try again.

2. Check the merchant type. Some merchant categories are restricted by the card issuer and will always decline. If one specific merchant fails repeatedly while others work, this is likely why.

3. Check the country. We've seen declines on merchants in certain regions. If your card works on some sites and not others, note which ones and send them to us, that pattern is genuinely useful to us.

4. Try another merchant. If everything declines, it's likely account-level rather than merchant-level. Contact support.
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Apple Pay availability varies by country, so it may not be supported where you are.
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Restart the app first, the balance sometimes needs a refresh. If it's still wrong after a few minutes, contact support with the amount you expected and the amount showing.
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Locking stops anything further while we look into it. Don't wait to report, the sooner we have it, the more we can do.
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Verification has to be completed in one session. If you exited partway, start again from the beginning. Make sure your ID photo is sharp and uncropped.

If you've finished verification and are still waiting with no card, contact support.
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The more of this you send first time, the faster we resolve it: