Payment & Pricing - Troubleshooting failed payments

Q: Why was my payment declined?

Most failed payments are caused by your bank blocking the transaction , not by Rail Monsters. Common reasons include: • Your bank flagged the charge as unusual or international • Insufficient funds or card limit reached • Card expired or restricted for online payments • 3D Secure (SMS verification) failed or was not completed • Temporary block by your fraud protection service We don’t reject valid cards — we simply pass the transaction to your bank or payment provider for approval. If they block it, it will show as “declined” or “failed” at checkout.

Q: What should I do if my card keeps getting declined?

Try the following steps: 1. Use a different card or payment method — like Apple Pay or Google Pay 2. Check with your bank — ask them to allow international or online purchases 3. Retry using a different browser or device — especially if you're on mobile and using autofill 4. If nothing works, contact cs@railmonsters.com and we’ll investigate from our side Most of the time, the issue is resolved by your bank in a few minutes.

Q: Why does it say “payment failed” but I see a charge on my account?

In some cases, your bank may show a pending charge even if the transaction didn’t go through. This is called an authorization hold — it means funds were temporarily reserved but not captured . These typically disappear within: • A few minutes (for modern banks and wallets) • Up to 7 business days (for traditional or international banks) You won’t be charged twice. If the payment fails, we don’t receive any money — and the hold will expire automatically.

Q: I didn’t receive any 3D Secure verification — what should I do?

We’ve seen that some banks — especially in the US and Canada — don’t always support the latest 3D Secure v2 standard. As a result, the verification popup or SMS may not appear at all , and the transaction quietly fails without a clear reason. If this happens: 1. Restart your phone or browser and try again — it often resets the security flow 2. If the issue continues, contact us at cs@railmonsters.com — we can check the exact failure code 3. With this code, your bank will be able to explain or remove the block This is a known issue with certain card networks and banks. It’s not caused by our system, and in most cases, switching to Apple Pay / Google Pay or using a modern neobank card solves the problem instantly.

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Why was my payment declined?

Most failed payments are caused by your bank blocking the transaction, not by Rail Monsters. Common reasons include:

• Your bank flagged the charge as unusual or international

• Insufficient funds or card limit reached

• Card expired or restricted for online payments

• 3D Secure (SMS verification) failed or was not completed

• Temporary block by your fraud protection service

We don’t reject valid cards — we simply pass the transaction to your bank or payment provider for approval. If they block it, it will show as “declined” or “failed” at checkout.

What should I do if my card keeps getting declined?

Try the following steps:

1. Use a different card or payment method — like Apple Pay or Google Pay

2. Check with your bank — ask them to allow international or online purchases

3. Retry using a different browser or device — especially if you're on mobile and using autofill

4. If nothing works, contact [email protected] and we’ll investigate from our side

Most of the time, the issue is resolved by your bank in a few minutes.

Why does it say “payment failed” but I see a charge on my account?

In some cases, your bank may show a pending charge even if the transaction didn’t go through. This is called an authorization hold — it means funds were temporarily reserved but not captured.

These typically disappear within:

• A few minutes (for modern banks and wallets)

• Up to 7 business days (for traditional or international banks)

You won’t be charged twice. If the payment fails, we don’t receive any money — and the hold will expire automatically.

I didn’t receive any 3D Secure verification — what should I do?

We’ve seen that some banks — especially in the US and Canada — don’t always support the latest 3D Secure v2 standard. As a result, the verification popup or SMS may not appear at all, and the transaction quietly fails without a clear reason.

If this happens:

1. Restart your phone or browser and try again — it often resets the security flow

2. If the issue continues, contact us at [email protected] — we can check the exact failure code

3. With this code, your bank will be able to explain or remove the block

This is a known issue with certain card networks and banks. It’s not caused by our system, and in most cases, switching to Apple Pay / Google Pay or using a modern neobank card solves the problem instantly.

If you can’t find the answers you’re looking for, our support team is available 24/7.

Need Assistance? Rail Monsters Help Center