Trust us, if you’ve ever run into this issue, we know how annoying and confusing it could be. All that you want to do is simply purchase a product and for some unknown reason, your order won’t go through. You know that your card is working fine since you just used it to buy gas or groceries earlier in the day, so what else could it possibly be?

We are going to be clearing the air on everything from why it’s happening to how to resolve it so it doesn’t happen again below, starting with recognizing the problem.

Transaction Failed. 200-transaction declined by authorization system

You’ve taken the time to fill out all of your billing and shipping information just to click purchase and get notified of something that looks like this.


You think to yourself that maybe it was just a computer error, so you key in all your information again just to be hit with the same message.

At this point, you furiously exit out of page vowing never to try again without even knowing what’s going on. But honestly, how could you? It takes inside knowledge to know why these transactions aren’t getting accepted (hence why we are breaking it down for you).

Why your purchase got declined

There are a lot of moving parts that go on behind the scenes when you purchase something online. We wish it was as simple as you enter your credit card information, hit order, and then the money appears to the business.

In reality, you order from the store and your information is first sent through a payment gateway that makes sure your card is valid, verifies what bank you are using, etc. It then encrypts that information and sends it to a payment processor to do exactly what the message reads: process your payment.

The funds are then transferred to what is called a merchant account. Think of this as a special bank that holds the money until it is transferred to a business bank account. This is where the problems arise.


Getsoci made this infographic to easily illustrate the process

Though CBD is perfectly legal to buy, large corporate U.S. banks are still skeptical of it and opt-out of being merchant accounts for sellers. Even though some large processors like Square are slowly starting to join in, they aren’t moving fast enough. This is causing merchants to go elsewhere.

The best option for processing might be across the pond

The best options that companies offering CBD have today is to use certified merchant processors outside of the United States. It’s either that or nothing, and then both buyers and sellers lose out.

The issue with this option is your bank’s fraud prevention system, which can be a blessing or a curse at times. You can be buying from a company like Deep Roots, that is based in the United States and uses only domestic ingredients to make our products, but since your payment is (instantaneously) processed by a foreign company, your bank thinks something fishy is going on and flags the transaction.

Let’s say you live in Ohio and buy gas today. Later on, you hop on your computer and buy some of our CBD oil which is processed in the UK. Your bank sees that this morning you were in Ohio so how could you possibly be in the UK later in the afternoon making a purchase. The decline the transaction thinking that it’s fraud when it’s really not.

It’s not only CBD companies that have this issue at times. I personally experienced this a few years ago as well when I was living in Florida and had bought my girlfriend a leather purse over the phone directly from Louis Vuitton (just so you know that it’s a reputable brand). Lo and behold, a few minutes later I got a text from my bank saying they declined the order due to…you guessed it, fraud protection.

Since the order was processed in what I believe was Paris, my bank automatically declined it. On the bright side, it was very easy to fix and get the order processed.

How to fix the problem

All that it took for me and will take for you is a simple phone call. If you look on the back of your credit card you will see a support number. If you call them and say that you want to whitelistDeep Roots, you shouldn’t run into that issue again since the bank will now know that there is no fraudulent activity going on.

If you have experienced this and found a different or better way to deal with this issue, please let us all know in the comments!