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# Why is my payment failing?

Payment failures may happen for a variety of reasons:

* The payment was not verified on the card holder's side. Upon checking out from the payment page, users should be asked to verify their payment with their bank.
* The user's bank may decline the payment.
* The user had insufficient funds in their account.

> ElevenLabs provides APIs and SDKs for text to speech, voice cloning, speech to text, sound effects, voice isolator, voice changer, and conversational AI agents. Build voice-enabled applications with lifelike audio generation.