There are several reasons for payments to fail: some could be related to the bank account or credit card you chose to pay from and others could stem from issues with your vendor’s bank account.

Potential issues with how you choose to pay:

Paying from...

Issue

Resolution

Bank account (ACH)

Insufficient funds in bank account

Either add funds to your bank account and re-schedule the payment, or change your payment method and reschedule.

Bank account (ACH)

Bank account appears to be frozen or blocked by the bank

Change your payment method and reschedule your payment, or contact your bank to request it unfreezes the account / remove the block then reschedule your payment.

Credit Card

Credit card has been blocked, possibly due to a card limit or fraud concern.

Change your payment method or ask your card issuer to remove the block, then reschedule the payment.

Credit Card

Credit card has a limit preventing this payment from being processed.

Change your payment method or ask the card issuer to modify your card's limit, then reschedule the payment.

Credit Card

Your card issuer has blocked this payment.

Change your payment method or contact your card issuer to approve the payment.

Potential issues on your vendor’s end, when paying with direct deposit to vendor’s bank account:

Issue

Resolution

Outdated or incorrect ACH routing number

Send the payment to a different account, send a check instead, or ask your vendor to fill in their updated details, then reschedule the payment.

Once resolved, we'll resend the payment.

Unable to locate your vendor’s account

Send the payment to a different account, send a check instead, or ask your vendor to fill in their updated details, then reschedule the payment.

Invalid bank account number

Send the payment to a different account, send a check instead, or ask your vendor to fill in their updated details, then reschedule the payment.

Payment has been declined by the recipient.

Check with your vendor why they declined the payment. Once you’ve made sure your vendor is willing to accept the funds, reschedule the payment.

The payment method selected by the vendor is unable to receive payments

Send the payment to a different account, send a check instead, or ask your vendor to fill in their updated details, then reschedule the payment.


To resolve any issue, you’ll need to:

1. Log in to your account

2. Go to your bills dashboard and select the failed payment you’d like to retry

3. Click “retry payment.” This will allow you to update any details that are causing issues and reschedule the payment.

If you’re still unsure why your payment failed, please contact billops@melio.com for assistance.

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