A declined card means your bank or the card gateway rejected the charge. Mytherapist.ng can't push it through, but you can try another card, or fund your wallet by bank transfer or Opay and pay from your balance.
Common causes
| Cause | What to do |
|---|---|
| Insufficient funds or a card limit | Use another card, or top up your wallet by bank transfer or Opay and pay from the wallet |
| Bank OTP or 3-D Secure didn't complete | A charge that pauses for bank verification counts as failed. Try a different card, or pay by bank transfer or Opay |
| Wrong or expired card details | Re-enter them carefully, or use another card |
| A saved card shows "Charge unsuccessful" | Try a different card or method |
If you were debited anyway
If your bank shows a debit even though the app said the payment failed, the money isn't lost. A successful charge is credited to your wallet, usually within a minute or two. See I paid but my session didn't book.
Opay messages
- "Could not start Opay payment" or "Network error": the checkout couldn't open. Check your connection and try again.
- "Payment session timed out. Please try again.": you didn't finish within the checkout window. If you did pay, your wallet is still credited. Check your balance before paying again.
- "This Opay payment was created for a different purpose…": an Opay payment started as a wallet top-up can't be used for a booking, and the other way round. Start the right flow again from the beginning.
Closing the Opay screen after paying is safe. The payment is processed in the background and your wallet is credited.
Related
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More in Payments, wallet and refunds
I paid but my session didn't book
A successful payment is never lost. If the booking failed, the money is credited to your wallet within a minute or two.
2 min readWallet top-ups and your balance
Top up from Settings, Fund Wallet with a card, Opay or bank transfer, and read your transaction history.
2 min readWays to pay for a session
Pay from your wallet, by card, through Opay, from a sponsor's wallet, or with an employer or HMO benefit.
2 min readHow refunds work
Refunds go to your wallet, never back to your card, and return what you actually paid minus any cancellation fee.
2 min read
Didn't answer it?
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