The most common reasons for a payment to be declined are:
Insufficient funds available on the account.
A security/authorisation issue.
Here are a few things to can check to try and identify the reason why your payment was declined:
Check the balance in your Card Pocket (note that this is separate to your main Plum account, and you can only load money that you’ve loaded onto your Plum Card).
Check that your card isn’t frozen or terminated from within the Plum app. If your card was frozen by our security system or by you, any payment with Google Pay will be declined, and the card will appear as suspended in Google Wallet and Plum app. Once you unfreeze the card, it’ll become active again.