The bank that issues the credit or debit card to a cardholder is referred to as the “Issuing Bank”. When a customer makes a purchase using their card, their Issuing Bank sends funds to the merchant’s “Acquiring Bank”, this is where the funds settle. Xendit has optimized configurations with Acquiring Banks to prevent declines from their side. The card that has been declined was generally the result of the Issuing Bank declining those transactions.

Card declines are generally the result of issuing Banks declining those transactions because the Bank detected that the card is not eligible to do the transaction. For further information, find it here