Common reasons and quick fixes:
1) CVV / 3-D Secure failed
CVV typed incorrectly or 3DS challenge not completed in time.
Fix: Re-enter CVV, complete the 3DS pop-up, retry.
2) Insufficient funds / borrow power
Direct Pay: not enough USD balance.
Credit Mode: not enough borrowing power (LTV/health too tight).
Fix: Top up beatUSD, add collateral, or repay to restore health.
3) Card controls or limits
Merchant/MCC blocked, country blocked, or spend/velocity limits hit.
Fix: App → Card → Controls / Limits to review and adjust.
4) Unsupported merchant / MCC
Some categories (e.g., cash equivalents, certain crypto/gambling, high-risk MCCs) are restricted.
Fix: Use a different merchant or payment method.
5) Name/address mismatch (AVS)
Billing name or address doesn’t match what’s on file.
Fix: Update details in Profile → Personal info and on the checkout page.
6) Tokenized wallet issues (Apple/Google Pay)
Wallet token out of sync or device not set to tap-to-pay.
Fix: Re-add the card to the wallet, ensure NFC/Wallet is enabled, set as default.
7) Region / FX rules
Region not supported, cross-border filters, or DCC quirks.
Fix: Try charging in local currency, confirm region support in app.
8) KYC/KYB or security hold
Verification incomplete or a fraud rule flagged the payment.
Fix: Complete KYC and respond to any in-app prompts; then retry.
9) Expired/locked card
Card frozen, expired, or replaced.
Fix: Hyperbeat Pay App → Overview → Manage to unfreeze or use the active card.
Please send our support team a message and one of our agents we’ll be happy to help.