If a payment fails, re-check the biller/merchant details and reference number formatting.
For card payments, confirm expiry/CVC, limits, and merchant acceptance requirements.
For transfers through gateways, ensure the reference number matches the payment instruction exactly.
If posting time is unclear, keep the confirmation reference and monitor the transaction history for updates.
Document screenshots or confirmation pages to help resolve disputes or support requests.
If a payment fails, re-check the biller/merchant details and reference number formatting.