Having trouble making a payment for your Express Funded Account? This article will walk you through common payment issues and how to resolve them so you can get your payment processed smoothly.
Please wait at least one hour between transaction attempts.
Use a debit or credit card in your name
First, you must use a debit/credit card in your name. Using a card that does not match the name on your profile violates Topstep’s Terms of Use and will result in an automatic decline. The name in your Topstep profile must be your full legal name. It cannot be a nickname or a business name.
Check your profile details
Next, please check your profile details. Ensure that all information is updated correctly with special attention to your zip code/postal code. Sometimes there are errors here that prevent the payment from processing.
Saved payment details
Once that has been confirmed, if you’re still having trouble – try to delete your saved payment details and re-enter them manually. Do not use auto-fill to ensure 100% accuracy.
Contact your bank
If you continue to receive declines or error messages, call your bank and follow the steps below:
First, check you have sufficient funds in your account.
Ask to speak with your Fraud department to see if a security hold has been placed. Be sure to ask about the payment attempt to Topstep specifically.
Confirm that your 3D Secure authentication feature has been properly enabled.
Here is a list of terminology that your bank may use for 3D Secure:
Visa: Visa Secure
Mastercard: Mastercard ID Check
American Express: American Express Safekey
Discover: ProtectBuy
JCB: J/Secure
Try checking out while the representative is on the line with you.
If the issue persists, ask to switch from “credit” to “debit” as your processing method.
If the above steps don’t work, take the same steps with your card provider (Visa, Mastercard, Discover, etc).
Finally, you may need to try another debit or credit card to checkout.
If after following each step above, the payment is still unsuccessful, please contact our Trader Support Team. They will be able to provide additional context about why the transaction is declining.