Why is my online store constantly declining payments at checkout?

hello i help my shopify store keep declining payments at checkout and i don’t know why. i keep trying to make a test purchase with my card n it keeps declining

Hi @jjay ,

What payment gateway do you have enabled on your store? What exactly does the error message state when the payment is declined?

I have Shopify payments enabled. It start to take payments now but all
transactions are saying pending without listing payout date and I have my
bank account as payout account. Should I accept payment to Shopify balance
and then transfer to bank for faster payouts?.

Hi @jjay ,

Have you been asked to provide documentation for Shopify Payments and if so, have you provided this documentation yet? If not, it’s possible that your payouts are temporarily on hold while this information is reviewed.

This is not something I can check for you as I cannot authenticate you on your account over the Community. Please reach out to our support team to check on the status of your Shopify Payments account and from there we can advise how best to proceed.