Finding yourself in such a situation is frustrating.

There could be several reasons for credit cards getting declined. 

I) Incorrect credit card details provided

II) Credit card declined by your credit card company or bank

III) Exceeded credit limit on your credit card

IV) Credit card company's restriction on overseas transactions

V) Discrepancy between shipping and billing addresses

For additional support, kindly reach out to your bank for clarification. 

Please contact our Customer Care team at support@panashindia.com, if the issue persists and we will be glad to provide further assistance.