Article ID: 2689951 - View products that this article applies to.
This article provides troubleshooting steps that might resolve credit card authorization failures that occur when you use Windows Phone 7 Marketplace or Windows Phone 8 Store.
Common Error Codes
If your payment option can’t be authorized through your bank, or if Microsoft detects suspicious activity and is preventing charges, you may see one of the following error codes:
To resolve this problem, try the following solutions:
Solution 1: Check your billing address
Make sure the billing address for your Windows Phone billing account matches the billing address used by your credit card company. To verify the billing address for your Windows Phone account, go to Account settings
(https://www.windowsphone.com/en-us/my/account)on windowsphone.com, sign in, and then click Edit payment info.
Note The billing address country of the credit card must match the country or region of the Store.
If your Windows Phone account address matches the billing address used by your credit card company, try the next solution.
Solution 2: Check the card number, expiration date, card security code, and name for the card
Retype the credit card number without any spaces, commas, or other non-numeric characters. Verify that the expiration date, card security code, and name that you entered are correct and match what is shown on the card.
Solution 3: Confirm that you are using an approved payment method
You can use Visa, MasterCard, American Express, and Discover cards in the Windows Phone Store as long as they allow international purchases. Even if your card displays a Visa or MasterCard logo, it is possible that it's not approved by your bank or issuing financial institution to make an international purchase. Pre-paid cards and gift cards (even those with a Visa or MasterCard logo) do not qualify as international cards and are currently not accepted by the Windows Phone Store.
For more information about payment methods supported by the Store, see the Understanding international payment methods and billing activity
(http://support.microsoft.com/kb/2681472)article in the Microsoft Knowledge Base.
If your credit card is an approved form of payment, try the next solution.
Solution 4: Contact your bank or financial institution
The Store purchase might have failed for the following reasons:
Contact your credit card company or bank and make sure that the payment option that you’re using was activated, that it has available funds, and that the transaction is not being blocked for some reason.
If your bank or financial institution is not blocking the transaction, try the next solution.
Solution 5: Try your purchase again later
The Store purchase might be blocked for one of the following reasons:
Wait and try the transaction again in 24 to 48 hours. When lots of purchase failures occur, it can prevent transactions from being processed until no purchase attempts have been made for a while (usually 24 to 48 hours).
If the problem still occurs after you’ve waited 48 hours, try the next solution.
Solution 6: Remove your card and try again
If these steps don’t fix your problem, you may want to try a different credit card. You can add a new credit card on your phone. Or, go to Account settings
(https://www.windowsphone.com/en-us/my/account)on windowsphone.com, sign in, and then click Edit payment info. From the "Edit payment info" page, choose New payment method.