A failed payment is frustrating — here's how to work through it quickly.
Step 1: Read the error message
When a payment fails, we show an error message at checkout. Read it carefully — it usually tells you exactly what went wrong. Common messages include:
"Card declined" — your bank declined the transaction
"Insufficient funds" — not enough balance on the card
"Card expired" — the card's expiry date has passed
"Authentication required" — your bank requires 3D Secure verification (a code sent to your phone)
Step 2: Try the obvious fixes first
Error | What to do |
Card expired | Update your card in account settings and retry |
Insufficient funds | Use a different card or top up your account |
Card declined | Try a different card, or contact your bank to ask why |
Authentication required | Complete the 3D Secure step — check your phone for a code from your bank |
Step 3: Try a different card
If updating your card doesn't work, add a second card and use that to complete the booking. You can manage your saved cards in your account settings.
Step 4: Contact your bank
Some banks flag unfamiliar merchants or international transactions. A quick call to your bank to authorise the payment often resolves the issue immediately.
Still stuck? Contact us
If none of the above works, reach out via the in-app chat or email help@onecoworking.com. Tell us the error message you saw, the card type you used, and the booking you were trying to make. We'll help you get it sorted.
For team admins: credit purchase failed
If a credit purchase for your team fails, the same steps apply. Update the team's payment card in the Billing section of your team dashboard and retry the purchase.