---
id: help.troubleshooting.live-refused
title: "My live payments are refused"
canonical: https://docs.secureprocessing.app/help/troubleshooting/my-live-payments-are-refused
description: "Your business has probably not been approved for live payments yet, or live payments have been turned off for it. Check , and keep using Test mode in the meantime."
last_verified: 2026-11-01
---

# My live payments are refused

Your business has probably not been approved for live payments yet, or live payments have been turned off for it. Check **Settings → Activation**, and keep using Test mode in the meantime.

Who can: Owner, Administrator can apply in [Settings → Activation](https://dashboard.secureprocessing.app/settings/activation).

## Check these first

- **The switch:** if **Live** does not work, your business is not approved yet. A band at the top of the dashboard says "Test mode only".
- **Your application:** **Settings → Activation** says where it stands.

## Not applied yet

[Activate your account](https://docs.secureprocessing.app/help/getting-started/activate-your-account.md). Test mode works in the meantime.

## Applied, and waiting

[After you apply](https://docs.secureprocessing.app/help/getting-started/after-you-apply.md) explains each stage. A person reads every application, so it takes some time.

## Your developer sees a message

"This account is not enabled for live payments yet" means a live API key was refused, because live payments are not on for your business right now. Either you are not approved yet, or they have been turned off since. Test keys carry on working unless your account is suspended or closed.

"This account is not able to accept payments" means your account is suspended or closed, and it applies to test keys as well.

## You were live, and now it has stopped

We have turned live payments off for your business, and your developer sees the first message above. Write to us to find out what is needed.

## Only some cards are refused

That is your customer’s own bank and not your account. See [Why was a payment declined?](https://docs.secureprocessing.app/help/payments/why-was-it-declined.md)

For developers: [Going live](https://docs.secureprocessing.app/activation.md)

## Related

- [Activate your account: what we ask for](https://docs.secureprocessing.app/help/getting-started/activate-your-account.md)
- [After you apply: what happens next](https://docs.secureprocessing.app/help/getting-started/after-you-apply.md)
- [Test mode and live mode](https://docs.secureprocessing.app/help/getting-started/test-mode-and-live-mode.md)

Still stuck? Write to [admin@secureprocessing.app](mailto:admin@secureprocessing.app) with your business’s name and the message you see.