CVC/CVV2 is an anti-fraud security feature to help verify that you are in possession of your credit card. For Visa/Mastercard, the three-digit CVC/CVV2 number is printed on the signature panel on the back of the card immediately after the card’s account number.

No.

Please contact the merchant directly for any inquiries regarding :-

• General query about your order
• You’ve been billed incorrectly
• Order cancellation and refund

Please, contact the stores where the purchase was made. The store is responsible at all times for any queries relating to the payment and fulfillment of your order. Their contact details should be displayed on their website, or the store purchase receipt and on the transaction confirmation email. As a Payment Service Provider we only provide stores with the ability to accept card payments securely over the Internet. We do not handle the goods and we are not authorized to cancel orders or give refunds.

Payhalal is a Payment Service Provider that enables businesses with an online store to accept credit card, Internet Banking and e-wallet payments securely over the Internet. It is the online store’s responsibility to confirm acceptance of your order, the delivery timescale, and to handle any queries you may have related to the payment and fulfillment of your order. You may check the delivery policy on the online store’s website.

This could be for many different reasons; however, Payhalal is not informed of the exact reason why the transaction has been declined. Reasons why your payment was declined include:

1. Some of the card/personal details entered do not match the information held by your Card Issuer.
2. You do not have enough cleared funds on your card to cover the amount of the purchase.
3. Your card has been reported as lost/stolen and been canceled by your Card Issuer.
4. Your card has or is due to expire and has been replaced by your Card Issuer.
5. Your card has recently been replaced by your Card Issuer but not yet activated.
6. Your card cannot be used to pay for goods/services in a Cardholder-Not-Present environment (online/over the Internet).
7. There may be a problem with your Card Issuer’s authorization system.
8. You haven’t activated 3-D Secure (Verified by Visa and MasterCard SecureCode) of your card.
9. If you are sure that none of the reasons above apply to your payment attempt, we recommend you try again. However, should the problem persist, please contact your Card Issuer to find out further information. If this means you are unable to pay by credit card, Online Banking or e-wallet available on Payhalal, please contact the online store directly to discuss the alternative payment options available to you.