Either the processing network or the cardholder’s bank has refused to complete a Sale, Refund or PreAuth. The cardholder’s account balance was not changed. IBill passes back to the retailer any reason it receives for a Decline having been issued. Unfortunately, reasons stated by banks and processing networks tend to be vague. This is often due to there being a problem between the cardholder and his bank, and bank policies rightly leave us out of such private conversations.