My payment has failed, what should I do and will I be charged a fee?

When you make a payment online or over the phone you'll be advised straight away if your payment has been successful and we'll instantly provide you with a reference number/authorisation code.

If your payment is declined, we recommend you check the details you entered and try again. Also, check that your debit card has not expired or been replaced. If you are making a payment online and you have previously saved your card details, please check that your card has not expired or been replaced before you select it to make a payment. If it has expired, or been replaced, please delete the out of date card and select ‘Use a different card’. If the payment is still declined by your debit card issuer you will need to contact them for more information.

Please note that payments are authorised straight away with your debit card issuer. This means you need to have cleared funds in your bank account when you're making the payment online.

If your payment is declined again we suggest you try an alternative payment method:

  • By debit card - within Barclaycard online servicing or by contacting our Customer Services Team.
  • By Direct Debit - pay any amount up to your full balance (subject to minimum payment requirements). You can set one up if your card is eligible within Barclaycard online servicing or by calling our Customer Services Team.
  • From a Barclays account - pay using Barclays telephone or online banking services (you'll need to be registered for these).
  • From a non-Barclays account - pay using your own bank's telephone or online banking services.

Our bank details (for phone or online banking payments):
- Sort code: 20-04-15
- Account number: 38290008
Please make sure you use your card number as the payment reference.

Note that if you do not make a successful payment before your payment due date you will be charged a fee.

To register for or log in to Barclaycard online servicing, click here.

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