This is what our manual says to tell you..... seriously.

Step 1
Be low key. Don't loudly announce the credit card was declined, appear judgmental or otherwise behave in a manner that has the potential to make the customer even more uncomfortable.

Step 2
Take the customer aside, or whisper, "I'm afraid this card was declined. What other type of payment would you like to use?" This straightforward approach states the situation and presents an opportunity to resolve the problem without further incident.

Step 3
Avoid arguing with a customer. If a patron becomes belligerent or insists you're the problem, remain calm and in control and don't allow the customer to rile you. Suggest the customer contact his credit card company directly to resolve the matter, and ask again what other payment method is preferred.

Step 4
Maintain your professionalism throughout the encounter. Sympathize with the consumer by saying you know computer glitches can be frustrating, which indicates you believe the problem is a mistake and not reflective of the financial responsibility of the cardholder. This will help soothe the tension and make the customer feel at ease.

I don't think that applies in this situation, but you get the point, you were declined for some reason and neither of us knows why, so please try a different card.

Thanks, Sarah :)