Every finance customer whose payment failed that day and is still owing — everyone who missed, every time they miss. Download and push straight to GHL.
Taking this file moves the marker to its last day, so the next one carries on from there — you never have to remember where you got to. Didn't use the last one? Put the marker back.
| Day | People who missed | Past due | Seen before | Status | File |
|---|---|---|---|---|---|
| Sat, Sep 19 | 165 | $197,347.00 | 149 | Download CSV | |
| Fri, Sep 18 | 209 | $245,723.98 | 156 | Download CSV | |
| Thu, Sep 17 | 186 | $205,195.68 | 167 | Download CSV | |
| Wed, Sep 16 | 170 | $172,279.07 | 129 | Download CSV |
The table is there if you want a single day on its own, or to go back and re-take one. Downloading one day does not move the marker — only the button above does. Today is never listed: Square's recurring charges land through the afternoon, so today's list is always half of itself until tomorrow morning.
"Seen before" is how many of that day's missers have been handed over on an earlier day. They are still on the list: a missed instalment is fresh arrears every time it happens, so everyone who misses goes on the file. The number is shown only so a day made up mostly of repeat missers is visible at a glance.
A day showing cut was built before 3 Sep 2026, when this page held back anyone it had handed over before. Those days are short by exactly that many people — 31 Aug went out with 193 names for a day on which 877 people missed a payment.
The issuer's own decline code across the 4 days
listed above — 730 missed instalments. Recurring only: a card
failing at the studio counter is a sale that did not go through, not arrears, and is not counted here.
The same code is on every row of the CSV as Latest reason and Plain English.
TRANSACTION_LIMIT is not a per-transaction cap. In practice it is a maxed-out card — we see it on $25 and $50 charges. Telling those customers to split the payment fails every time; they need a different card or a re-present after payday.
| Code | What it means | Action | People |
|---|---|---|---|
TRANSACTION_LIMIT |
Issuer says the amount does not fit — in practice the card is at its limit | MAXED | 285 39.0% |
GENERIC_DECLINE |
Bank declined and gave no reason | CHASE | 257 35.2% |
CARDHOLDER_INSUFFICIENT_PERMISSIONS |
Issuer has restricted where this card can be used — it is blocked for this kind of charge | CALL_BANK | 68 9.3% |
INSUFFICIENT_FUNDS |
Not enough money in the account | RETRY | 64 8.8% |
INVALID_ACCOUNT |
The issuer says this account no longer exists | NEW_CARD | 20 2.7% |
CARD_EXPIRED |
The card has expired | NEW_CARD | 15 2.1% |
ISSUER_INSTALLMENT_ERROR |
Issuer refused the instalment arrangement on this card | CALL_BANK | 14 1.9% |
PAN_FAILURE |
Card number invalid — the card on file is wrong or dead | NEW_CARD | 6 0.8% |
EXPIRATION_FAILURE |
Expiry date rejected by the issuer | NEW_CARD | 1 0.1% |
Built 2026-09-20 06:07 UTC from the decline pull covering 2026-09-16 to 2026-09-20.