When a payment fails
What happens automatically, and what you have to decide.
A card payment that declines never posts at all — nothing reaches the ledger and the balance is unchanged. Try again, or use another method.
Why the delay is unavoidable
A card declines in seconds. A bank transfer can be returned days after it appeared to succeed. That is how ACH works everywhere and not something Villagely can shorten — which is why it is worth watching your bank rather than only the ledger for the first few days of a new arrangement.