When a payment method fails, only that specific method is now disabled, not all your payment methods or your organization. This means you can continue using other payment methods right away and only need to address the specific method that failed.
Understanding payment method failures
Payment methods can fail for two types of reasons:
- Recoverable errors are temporary issues that might resolve on retry. These include insufficient funds, transient declines, or network timeouts. A method is only disabled after the same error occurs 3 times within 90 days. You'll receive a message explaining the issue and how to fix it.
- Non-recoverable errors are permanent issues that require action from you or your bank. These include an invalid or expired mandate, a closed bank account, or a hard issuer decline. A method is disabled immediately when this error occurs. You'll receive a clear message explaining what needs to be fixed.
What happens when a payment method fails
- Your payment method receives a failure signal from your bank or payment processor.
- The system categorizes the error as either recoverable or non-recoverable.
- For recoverable errors: the method remains active until 3 failures occur in 90 days. For non-recoverable errors: the method is disabled immediately.
- You receive a descriptive message explaining the failure and what to do next.
- You can continue using any other valid payment methods without interruption.
What to do if your payment method is disabled
For recoverable errors:
- Read the error message you received: it will explain the specific issue (e.g., "insufficient funds").
- Address the issue with your bank or payment provider (e.g., ensure sufficient funds in your account).
- Try using the method again once the issue is resolved.
- If the method continues to fail after 3 attempts in 90 days, it will be disabled. At that point, add a different payment method to continue processing payments.
For non-recoverable errors:
- Read the error message you received: it will explain what needs to be fixed (e.g., "your bank account is closed" or "authorization expired").
- Contact your bank to resolve the issue, or remove and re-add the payment method with updated credentials.
- Add a different payment method to continue processing payments immediately.
Frequently Asked Questions
Will disabling one payment method affect my other payment methods?
No. Only the specific method that failed is disabled. All your other payment methods remain active and can be used immediately.
Can I re-enable a disabled payment method myself?
No, disabled methods cannot be re-enabled by you directly. However, you can add the payment method again if you've resolved the underlying issue (e.g., renewed an expired authorization with your bank). If you need help, contact Deel Support.
Will my organization be blocked from making payments?
No. Your organization is not blocked. Only the specific payment method that failed is disabled. You can continue making payments using any other valid payment method you have on file.
What if I'm not sure why my payment method failed?
The error message you receive will explain the specific reason and what to do next. If the message isn't clear or you need more help, contact Deel Support and provide the error details from your notification.
How long does it take for a disabled method to be re-enabled?
Disabled methods are not automatically re-enabled. Once you've resolved the underlying issue, you can add the payment method again. If you added a new method and need the old one back, contact Deel Support.