Debit and credit card payments can be unsuccessful for a number of reasons. If an error message appears on your screen after you try to pay, or if we confirm your payment has not been successful, then you have not been charged.

Payment declined by your bank

The most common reason for unsuccessful card payment is that your bank has declined it. This means they've told Lemonade Finance not to take the money. 

Our card processor attempted to charge your card but failed as a result of a restriction on your card from your bank. Banks tend to be very protective of account holders, so they are on the lookout for unusual card usage. For example, if your card is suddenly used at a new merchant, your bank might restrict your card and ask you to verify the user. Or if you’re making the transaction at an unusual time, say in the early hours of the morning or late at night, maybe you can wait a few hours and then try again. As a next step, you will need to place a call to your bank or financial institution to remove the restriction, or please try again with another card. 

Insufficient funds

Your bank might stop your card payment if there isn't enough money in your account, or if you have a per-transaction limit. 

Though card limits vary from card to card and from bank to bank.  Other banks may treat card payments as cash withdrawals, meaning your cash withdrawal limit will apply.

To find out more or to adjust your limits, get in touch with your bank. It can take time for the changes to take effect, so try funding with a smaller amount in the meantime.

Payment declined by Lemonade Finance

Lemonade Finance sometimes stops card payments to protect our customers from potentially fraudulent activity. It could be because your card was issued in a country we don't currently support.

If this is the case, you'll need to pay using a different card.


Most of the time, card payments are declined for the reasons listed above. But if you see a more generic error message, the best way to fix it is to try again or with another card.