Failed Payment Troubleshooting

The Five Most Common Failure Reasons

Insufficient funds — the most common cause. Even a balance just shy of the order total + bank holds will fail.
3D-Secure (3DS) authentication failed — the OTP step timed out, was entered incorrectly, or your bank rejected the second factor.
Bank blocked a foreign transaction — for non-INR payments, many Indian banks block international payments by default until you call to enable them.
Expired or recently reissued card — the saved card is no longer valid, or the card number/CVV has changed.
Velocity check — too many payment attempts in a short window can trigger your bank's fraud filter.

Step-By-Step Fixes

Try a different card. If you have a second debit or credit card, attempt the payment again. If that succeeds, the issue is with the original card or its issuing bank.
Try UPI (India only). UPI rarely fails because there is no FX, no 3DS step, and no card-issuer fraud check. It is the fastest fallback for INR orders.
Call your bank. Ask them to (a) confirm the last decline reason, (b) enable international transactions if relevant, and (c) raise any per-transaction limit that may apply.
Switch currency. If you are based in India and a USD payment failed, switch to INR on the pricing page — domestic transactions clear far more reliably. See multi-currency pricing.
Wait 30 minutes if you have already retried 3+ times. Velocity blocks usually clear within an hour.

Contact ClearMyPTE Support

If none of the above works, email support with:

Your registered email
The plan you tried to buy
The exact decline message shown
Your transaction ID from the gateway (we can match it to logs)
Card type (Visa/MC/Amex/RuPay) — never the full card number

We can usually identify the failure reason within hours and suggest a workaround or alternate gateway.

Will My Money Be Stuck?

Failed payments where the amount appears debited are almost always auto-reversed within 5–7 business days by your bank. If it has been longer, contact your bank with the transaction ID — ClearMyPTE never received the funds and cannot reverse them on the bank's behalf.

See also refund and cancellation policy. Retry your purchase from the pricing page.