Chef App Icon

FoodDays & ptoBay

Why won’t my credit / debit / payment go through?

There can be many reasons why a payment can be declined. Most have nothing to do with a persons creditworthiness or their account balance. The most likely are caused by our keen eyed payment gateway:

  • Address:
    • The address that you use should be the address the credit card company has on file, it’s usually the billing address and may be an old previous address if you’ve recently moved.
  • It’s just new:
    • Sometimes, if you’ve never used our platform before it may trigger a risk filter at your bank – you can call them to ‘ok’ us or, often they’ll send a text or email that you can reply to and try again.
    • A long day on the credit card can sometimes trigger extra cautious behavior as well. You can wait a little while and try again.
  • Location, location, location:
    • To help protect against fraud, we only accept payments from US based banks and within the continental US. I’m sorry if you’re out of town but, contact us and we’ll see if we can help get a payment through.
  • AMEX
    • We don’t accept AMEX directly. Unfortunately, they charge more for processing than we charge for the whole FoodDays service! If you want to pay by AMEX, you can link the card to your PayPal or Venmo account and make a payment through PayPal.
  • Technology
    • When the plugs fall out, it sometimes just doesn’t work! If you can’t complete the payment and all of the above seem correct, reach out to us and we’ll dig in and find out what needs plugging back in.

What options can I try?

If you’ve checked all of the above, three are still some options:

  • Try using a device like an iPad or iPhone – these have additional security controls that prevent interference with the connections – many PC’s have ‘Anti-virus’, ‘Privacy’ or ‘Internet security’ software installed that can actually stop the card processor from trusting the connection.
  • Try at a different location, and that can be as simple as trying on a phone with WiFi turned off so that you use your carriers connection.
  • Try a different web browser. Sometimes plugins to ‘save money’ such as coupon clipping plugins share information about your transaction and that can be detected by the bank causing a failure. You can and should uninstall these plugins if privacy is important to you.
  • ‘Venmo us ‘ – Use a different payment channel such as PayPal or Venmo, we accept and encourage both. You can set up an account, linked to your bank account or card and pay via that on your desktop computer for PayPal or either desktop or mobile for Venmo. Just go to the payments page and the extra buttons will appear.

You can contact us but unfortunately, there’s little that we can add. Our payments processing has reached such a high level of security and privacy that we no longer have any insight into your relationship with your provider, absolutely nothing and, that’s actually a good thing really, it’s how it should be.


myFoodDays LLC

141 Old Stirling Road, Warren, NJ 07059


[email protected]