1. Incomplete information, error or premature payment termination. Because of the above reasons, banks are unable or refuse to charge. If payment is declined make sure that the name and address you enter is exactly the same as that for your credit card. It may help to refer to a credit card statement to ensure the address is the one the credit card company has on file.
2. If payment is not declined, but automatic log-in fails, please check your Email. If confirmation of your order has arrived, then all is well.
3.  Unauthorized transactions. The card Consumers use is 3D card and you forget to fill in 3D verification code. Therefore, the system will be sentenced for unauthorized transactions and the charge is refused.

4.  Black cards, stolen cards, copy cards. If your cards are determined as the black card, copy card, and other illegal card, the system will refuse to charge.
5. The card balance is insufficient or cards have expired. The cards you use exceed credit limit or period of validity.
6. Risky areas payment. Your IPs is judged from high-risk areas by the international credit organizations, thus the transactions are considered as high-risk transactions and the system refuse to charge. Such as: Venezuela

7. Cross-border and trans-regional transactions and payments. The cards you use are not local cards. Therefore, you are suspected of using stolen cards. In this case, the system will rate them as high-risk transactions and refuse to charge.

8. Network problems. When you pay, slow network speed, other network problems, repeated refreshment of pages will lead to multiple payment submission of application or the failure to receive payment and so on.
9. The same IP payments within a short period or repeated payment. Consumers who pay many times via the same IP within a short time will be suspected of cash, money laundering, fraud and other illegal acts. Charge is rejected by the system.

10. Single payment limit is too high. Single payment exceeds single payment limit or the limit system sets.

11. Bad transaction records. The cards you use to pay have poor transaction records, therefore the system refuses to pay.

12.  Issuers refuse to charge. Your card issuing bank declines to charge, you need to contact your bank for the reasons of denial.

We do offer the option to pay using a credit card outside of Paypal. To place an order with a credit card is easy and simple. Proceed through the order process as normal, and once you are forwarded to Paypal you will be presented with an option to pay with your Paypal account or an independent credit card. The option to use a credit card is available through both services.

When you use your credit or debit card, you will not be charged a cash advance fee for sending money using these purchase categories: Service/Other, Goods and eBay Items. For these types of transactions, PayPal charges your credit or debit card only for the transaction amount.

Note: If you make a cash advance purchase with a credit or debit card, the card issuer may charge a cash advance fee. PayPal or IGAMEGARDEN has no control over third-party fees. To avoid incurring fees when making a cash advance purchase, you may want to use a different payment method, such as your bank account or an e-Check.

It is always safer to deal with a well known trader and seller. However, due to the recent flood of MSN spoofing (faking MSN numbers to make you believe it's someone else you are talking to) done by scammers the following procedures are now implemented at IGAMEGARDEN.com for all trades and purchases to protect our customers from being scammed.

1. When purchasing products make sure you are always make your payment ONLY to igamegarden01@gmail.com   on our website. Check the spelling! Some scammers use minor variations in spelling to fool you! If someone asks you to send a payment to another address for ANY reason, it's not us!
2. When dealing with IGAMEGARDEN.com staff over MSN, IF YOU ARE HANDING ANYTHING OVER FIRST before getting something when trading, send a igamegarden01@gmail.com with a password for him to repeat to you in a game if you are unsure!
3. An additional safety feature is to click on the 'Chat' Button on our website. That links you directly to a IGAMEGARDEN.com staff only if he is online via a 'live' chat through your web browser.
   
    
    

If you have mistakenly sent a pending e-check, you may log onto our live chat to request a refund. If you wish to receive an instant delivery, you may place the order with a valid credit card or Money Booker. Our live chat representatives can guide you through this process and will answer any questions you might have.

An e-check results when a payment is sent from an unverified account without sufficient balance of your Paypal or Moneybookers account to cover the cost of the order. The payment provider must contact your bank to verify that funds are available, thus the cause of the 3 to 4 day delay. To avoid sending an e-check, first complete the verification process for your account, and then make sure the funds are present in your Paypal or Moneybookers account. To confirm your payment type, just click the blue hyperlink of "choose more funding options" before placing the order, and you may determine which option is currently selected for your payment, and what payment options your account supports.

A pending e-check is a type of payment option available with Paypal. A pending e-check is just like writing a normal check, except electronically. Just like normal checks, pending e-checks take a few days to clear while Paypal verifies the funds are present within the senders account. Once the check has cleared, the money is transferred to THRPG account and then delivery can take place immediately thereafter.

IGAMEGARDEN  takes the protection of our clients' personal information very seriously. We have various systems in place to screen each and every order for anything that might seem amiss, and since our operation runs 24/7 without closing, so too are we vigilant. Additionally, the information submitted will never be disclosed to any third parties.