Transaction rejected due to risk issue

Hi,

If you are getting a “Transaction rejected due to risk issue” error while trying to subscribe to CapCut Pro, even though your card details seem correct, the good news is that you are not the only one and there are several plausible reasons and concrete steps to fix it.

We will walk you through both what is likely happening and what you can try to successfully complete the purchase.

What “rejected due to risk issue” means

Even if the card is valid and you entered correct details, payments can still fail for reasons that are outside your immediate control. Here are some of the common causes:

• The payment gateway flagged the transaction as high risk (fraud prevention / security measure) — for example because it’s a new merchant for your card, foreign currency, unusual location, or your bank’s risk algorithms triggered.

• Your bank or card issuer refuses the transaction (they send a “decline” code) even though everything looks fine on your side — the internal bank risk system may treat the purchase as potentially fraudulent or outside normal behaviour.

• The payment method may violate regional payment rules (for example cross-border payments, currency mismatches, country restrictions) or the merchant may not be fully approved for your region.

• Platform specific issues: If you are using a mobile in-app purchase (via App Store / Google Play) the app store’s payment system might be enforcing rules (for example mismatched account region, VPN usage, etc.).

Things to check on your side

Here are what you should verify before contacting support or trying again:

1. Card details and billing info exactly as on bank records

   • Card number, expiry, CVV, name.

   • Billing address (street, city, postal/ZIP) must match what your bank has. Slight mismatches can trigger declines.

   • Check that your bank account/card is in the correct country and supports the currency/payment type.

2. Sufficient funds / card status / limits

   • Even if you believe everything is fine, check with your bank that the card is active for international / online payments.

   • Confirm there are no holds or blocks on your card.

3. Region & currency

   • Make sure that your account region (App Store / Google Play / CapCut website) matches your card’s issuing country if required.

   • In your country, check that your bank allows foreign online transactions if the merchant counts as “foreign”.

   • If you are using VPN or your IP is showing a different country, disable it and retry.

4. Try payment through correct channel

   • If you are using App Store (iOS) or Google Play (Android) in-app purchase, try going through the official store/payment method rather than external checkout.

   • If the app allows purchasing via the web (browser), you could try that instead – sometimes web payments avoid certain app store restrictions.

   • Clear cache/app data for the app store or CapCut app and try again. We have seen reports on our forum that removing and re-adding payment methods fixes things.

5. Multiple attempts / different card

   • Sometimes using a different card (another bank) or payment method resolves the issue.

   • Wait a little while if your bank flagged a previous attempt — some risk systems impose temporary blocks if multiple attempts fail.

   • Don’t repeatedly retry in very quick succession with the same card — that may increase risk flags.

What to do if it still fails

If you have done the above and the transaction still fails, here is how to proceed:

• Contact your bank / card issuer: Explain the situation. Tell them you are trying to make a legitimate payment for a subscription to CapCut Pro and that the decline error said “risk issue” or similar. Ask if they see any block or fraud-flag on your card.

• Contact CapCut support: If your bank says no issue, send CapCut’s support team the error message, the time of the attempt, the device/account you used. CapCut support will be able to check with the payment processor.

• Try a different payment method: If possible, switch to a different card, or try PayPal or another payment gateway, use that.

Step-by-step recommended path for you

Below is a suggested sequence:

1. On your device, open the app or website where you will purchase CapCut Pro.

2. Disable any VPN or proxy, ensure your country/region settings match your actual location.

3. In your payment settings, check you have entered your billing address exactly as used by your bank.

4. Confirm your card supports online international payments (even if price appears in your own local currency, the merchant may be foreign).

5. If possible, try using a different card from another bank (or a credit card rather than debit) to see if it goes through.

6. If it fails again, call your bank: reference the time of the attempt, ask if any fraud/online/foreign transaction block is in place.

7. If the bank says no problem, contact CapCut support with the error message and timestamp so they can liaise with the payment gateway.

8. Until it succeeds, you may also consider purchasing via the web version rather than in-app which is sometimes easier.

Why this happens even if your card is “fine”

• Payment processors and banks often use automated risk models. These may detect “unusual” activities (new merchant, foreign country, high amount, multiple attempts) and decline even valid cards.

• The merchant (CapCut / payment gateway) might have regional restrictions or higher scrutiny for certain countries.

• If you had recently changed your billing address, location, or bank flagged some previous unusual spending, your risk score might be elevated.

• If you attempted many times in quick succession and were declined, your bank/processor may temporarily block further tries.

If you can let us know your country, we can check if region-specific known issues for such payment failures and we can figure out the best payment workaround for you.