Github shows payment declined but my bank is charged with the payment amount.

[alomedi]

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For the past week or so I have been fighting for my life on Github because your system keeps saying there is a problem with my card, I have used 2 debit cards, initially with the payments during signup there was no problem but when it came to upgrading to GitHub Copilot Max its then I started getting an alert that the payment was declined. Which is impossible because my bank account has always sufficient funds, if you look at my payment history you will notice payments upon overusage, if there was no funds I would not have been able to perform those as well. A couple of days ago my Github copilot account got disabled or blocked for the same reason, no valid payment it said and no way to see what I would need to pay or no alert whatsoever to lead mo to make a payment just invalid payment method or something like that. The only page that showed me some sort of guidance was the page where you can set your payment method. Since you clearly had already saved my carddetails but would not accept my card even if I refreshed it I had to actually go to my bank and ask them for a new card. Thankfully they did but imagine the hassle I had to go through in between my work for a mere payment of 61 dollars!!! Then I used those card details here on github, voila you deducted the money from my bank and my copilot enabled itself after clearing the payment. Then 3 days ago I received a new alert that says increase your budget to keep using copilot, instead of increasing my alert I thought it would be better to signup for GitHub Copilot Max, pushed the payment button and once again it says Payment didn't go through...

We couldn't process your payment. Please try again. This time for the new card I saved!! Immidetaly I checked my account, understand also that both cards are not credit cards but debit cards! Wich means the payments take place real time with no reserved funds issue. I used my mobie bank app to trace the payment and yup, the payment went through, I then went to my github payment history, and it clearly showss a payment AND invoice for said payment. I cant keep going to the bank to issue out new cards each time, because of whatever issue your system clearly has, please ensure I get my new subscription enabled and also clear whatever blockage you have on my user account.

The above is a ticket I created 3 days ago!! Tciket number #4579733 and untill now there has been no reaction from your side! I have seen many similar discussions opened where Github tells people to wait because the funds could be returned, thats not the case here, nothing is reserved, the payment went through, you hae the money, I have sent you in the above mentioned ticket also screenshots of the invoice and payment history after succesful payment went through yet my subsciption plan has not been upgraded and I still have an alert on top of the page telling me 'Your payment authorization has failed'.

I dont understand why it takes 3 days or longer to get back to a ticket to get problems solved!

[muzamil-dev-313]

Hi there,
I completely understand your frustration. Looking closely at your payment history screenshot, your $61.00 outstanding balance was successfully settled on July 17th. However, the yellow alert at the top (Your payment authorization has failed) is pointing to a different issue entirely: a security check triggered by your bank during the Copilot Max upgrade.

Here is exactly what is happening under the hood and how to get this resolved:
Why this is happening (Settlement vs. Authorization)

• The Success: Your debit card successfully cleared your existing debt ($61.00). GitHub generated an invoice because they received those funds.
• The Failure: When you clicked to upgrade to Copilot Max, GitHub sent a brand-new $0.00 or $1.00 temporary pre-authorization request to your bank to verify that the card allows recurring high-tier subscriptions.
• The Block: Because it is a debit card, many banks automatically flag immediate back-to-back international requests from the same vendor as potential fraud. Your bank approved the $61 charge but instantly blocked the second authorization check, causing the upgrade to freeze and triggering the yellow error banner.

How to clear the loop right now
Since the money left your account but the plan didn't upgrade, the system is waiting for a clean authorization sync. Try these steps in order:

• Call Your Bank's Fraud/Card Department: Do not ask about your balance. Ask specifically to look at the declined authorization holds from GitHub/Stripe over the last 3 days. Explicitly tell them to whitelist GitHub for international, recurring e-commerce charges.
• Trigger a Manual Sync: Once the bank confirms the block is lifted, go back to your billing page and click the "Retry authorization" button in the top right corner of your yellow banner. This will force the system to check the card again. If it passes, your Copilot Max subscription will unlock instantly.

Regarding your Support Ticket (#4579733)
GitHub Community Discussions are peer-to-peer, meaning community members cannot access the internal billing system to manually push your subscription tier through. Because billing tickets require secure financial verification, they are handled strictly by GitHub's specialized financial support agents. Due to high volumes, responses can take a few business days, but because you provided a specific ticket number and clear screenshots, an agent will be able to manually reconcile the system sync error as soon as they open it.
Hang tight, keep the ticket open, and try the bank whitelist steps above to see if the "Retry" button clears it immediately!

Best of luck with your Copilot Max upgrade! I really hope your bank clears the authorization block quickly so you can get back to your workflow without any more hassles. Let us know how it goes!

[alomedi]

That's exactlu what I did, my bank told me there was no delined authorizations at all, we went to every transaction coming or going from and to Github, every 1 dolar authorization went through and every payment went through as well, this was the same case with my initial debit card, in one day there were 4 or more 1 dolar authorization checks done and cleared yet my card had a simlar alert on the top pf the page. I already explained how I solved the problem, I went to the bank and got myself a new card, updated my card, immidetaly all blockages were lifted, any payments due were done, at the moment I dont even have a due payment, the only payment that gave me an issue was the payment that got both billed and cleared regarding my subscription that I wanted to upgrade from pro + to copilot max. The way I see it, I paid for a product, you obviously have received it, the bank tells me in clear language there are no authorization holds and that I have to contact you guys, I contact you guys by opening a ticket, dont receive any reaction for 3 days so I open this discussion and now I am being told I have to go back to the bank to investigate what I already have investigated. I am clearly not receiving what I have paid for. For me its verry simple, kindly deliver me the servie I paid for or if you dont intend to do so, pay me back because quite frankly, after two weeks of daily strugle with card issues here on Github (and that with a card where I have daliy dozens of interactions transactions going on) I am gettig tired of this. Especially when there is no one to reach to help out.

[pharos-off]

hmm, github is not letgit ?