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Fix: Your card has been declined for ChatGPT Plus Upgrade

Are you encountering a 'Your card has been declined' error while upgrading to a ChatGPT Plus subscription? Troubleshoot and resolve this issue with simple steps.

ChatGPT offers a Plus subscription using a subscription model. However, the payment processing could have been more reliable, often resulting in declining card issues.

To fix it, you need to disable the ads and content blocker extensions, enable JavaScript execution, clear cookies & DNS cache, and try to process the payment from a phone device.

I recently subscribed to ChatGPT Plus but had to overcome several hurdles related to payment processing. One of the annoying messages I encountered was ‘Your card has been declined’ without any additional information.

OpenAI ChatGPT Plus Subscription Card has been declined

I did Google for easy solutions and found OpenAI’s help article, which needed to be more helpful. They mentioned:

If your credit card is declined while using ChatGPT, please double-check your card information, ensure you have sufficient funds, and verify your billing address. Any incorrect information can lead to a declined transaction. If your issue persists, try using an alternate payment method or contact your bank or card provider to understand how the transaction can be completed.

I’ve already tried all the possible solutions mentioned in the help article, but they were of no use. Instead, I tried troubleshooting the browser, and it worked.

In this guide, we have shared the different methods that can help fix the issue with ChatGPT credit card payments being declined.

Method 1: Disable Browser Extensions

OpenAI or ChatGPT uses Stripe to process payments and manage subscriptions. It heavily relies on API to process card payments. Any one of the browser extensions may conflict with APIs that aren’t allowing ChatGPT Plus payments. Hence, disabling the extensions could help resolve it.

  1. Open Google Chrome on your computer.
  2. Click on More vertical 3-dots icon for the options menu.
  3. Hover on More Tools and select the Extensions option. Chrome More Tools menu with Extensions sub-menu It will open the Chrome Extensions Manager page with install extensions.
  4. Disable the toggle option against each extension. Disable browser extensions on chrome computer
  5. Restart the browser and check for issues.

You can retry the card payment once you turn off all the extensions. Once the payment is processed, you can re-enable the extensions for normal usage.

For the Safari browser, you can visit the Settings from the Safari menu, which will open the Safari Settings window. Switch to the Extensions tab and disable the Checkboxes to turn off extensions.

1Blocker Extension on Safari browser in macOS

Method 2: Clear Browser Cookies and Cache

When you visit websites often, like ChatGPT or any site, they record data in the form of cookies and cache. These data can become invalid over time and usually lead to misconfiguration. Hence, it’s recommended that these browsing data be cleared. It also affects the payment gateway site, causing the card decline issue.

  1. Open the Chrome browser on your computer.
  2. Click on the More vertical 3-dots icon for menu options and hover on the More Tools menu.
  3. Select the Clear Browsing Data menu from the list. Clear Browsing Data menu under More Tools in Chrome computer
  4. Choose the Time Range from the drop-down and select the checkboxes for the ‘Cookies and other site data‘ and ‘Cached images and files‘ options. Clear cookies and cache data from the Chrome computer with Clear data command
  5. Hit the Clear Data command button.

Clearing the cookies and cache will sign you out of the websites and resolve the underlying issue if the payment fails.

If needed, you can read our guide for clearing cookies and caches for the Safari browser.

Method 3: Check the System Date and Time

Every payment gateway or processing site checks for the system data and time to confirm the connection and network authenticity. Hence, incorrect dates and times can lead to payment failure.

  1. Open the Start menu on your Windows PC and select the Settings settings gear icon menu.
    Windows OS Settings option under Start menu
  2. Switch to the Time & Language settings page.
  3. Ensure the Time zone is correct and enable the toggle switch for the Set time automatically option.
    Windows 11 Time and Language Settings to set time automatically

Similarly, you can check and correct the data and time in macOS from the Apple menu > System Settings > General and open the Date & Time settings page.

macOS Date & Time Settings page

Method 4: Flush DNS Cache and IP Configuration

DNS is used to resolve a site’s domain name and translate it into the IP address of the server hosting the website. Large websites have a pool of servers with different IP addresses that are often changing as part of site disaster management.

If your system has recorded an IP address and the origin server IP address has been changed, it often leads to better communication between networks and results in failure. In such cases, we must clear the system’s DNS cache and IP configuration. Here are the steps:

  1. Head to the Start menu and search cmd prompt.
  2. Launch Command Prompt as administrator.
    Command Prompt Run as Administrator
  3. Execute the below commands in the Command Prompt window.
    ipconfig /release
    ipconfig /flushdns
    ipconfig /renew
    netsh int ip set dns
    netsh winsock reset

With this, the Winsock components are reset, and the Internet Protocol settings have been renewed. In the case of macOS, you can open the Terminal app and execute the following command:

sudo dscacheutil -flushcache; sudo killall -HUP mDNSResponder

Method 5: Try in the Phone browser

It might sound a bit off, but it has worked. Not only mine but many other users have also reported that they could subscribe to the GPT Plus using the browser on their phone in one go.

I used the Chrome browser on my Android phone, signed in with an OpenAI account, and visited the ChatGPT Plus subscription page. I filled out the card, address, and other required details and processed the payment. It was simple and error-free.

There are several browsers available for both Android and iPhone that you can try.

Bottom Line

There is no doubt that ChatGPT has revolutionized the AI industry and brought many technical advancements in a short period.

Leading tech companies like Google, Intel, IBM, Microsoft, etc., are trying to mimic the same and even induce GPT in their existing offering to make it even more powerful.

With the GPT Plus license, you can use the latest models and integrate various plugins to enhance the usage of AI in your day-to-day life.

Please share the article if you find it helpful:

Disclosure: This page may contain affiliate links, which means we may receive compensation for your purchases; of course at no extra cost to you (indeed, you may get special discounts).
Kushal Azza

Kushal Azza

Kushal Azza is a Google Certified Analytics & IT Professional, Digital Content Creator, and Go-To Digital Marketer with an Engineering Degree. He has over a decade of experience solving tech problems, troubleshooting, and innovating digital solutions. Follow him on Twitter and LinkedIn.

2 comments and feedback

  1. I successfully upgraded to plus subscription in the month of April with my VISA DEBIT CARD with International transction turned on. But the renewal process never happened. Every time I tried to renew the subscription my card is getting declined. I have tried with laptop as well as my android phone. But nothing worked.

    1. Hello, even my card has been declined at renewal (and I no longer wish to continue it). I guess its the problem with Stripe payment processor. Maybe reaching out to OpenAI support should help.

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