When testing payments on my website, it shows “Authorization error: ‘GENERIC DECLINE’”. This happens every time I use a credit card issued in China for payment. I contacted the bank that issued this card by phone, and they replied that the card is in good condition. I saw the blocked bank card in the Risk Manager. After manually adding it to the allowed list, this card can be used for normal payment. What could be the cause of this? No alarms were triggered in the risk rules.
Location ID：LA4PM89BSWNQD
payment id：FOyeoMldB0WM94O4Ip4R146siM6YY
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The “GENERIC DECLINE” error usually means that the card-issuing bank is declining the charge. However, since you mentioned that the card was blocked in the Risk Manager and worked fine after being added to the allowed list, it seems like the issue was related to Square’s risk evaluation system. This system automatically evaluates and sometimes blocks transactions based on various factors to prevent fraudulent activities. It’s possible that the card or the transaction had some characteristics that triggered this system. If you continue to experience similar issues, it might be worth reviewing your risk rules or reaching out to Square’s Risk Management team for further assistance.
This answer was reviewed by @Bryan-Square.