Payment Declined: Stripe Unable to make Live Charges

Every time a Payment is declined, Stripe will provide details as to why it was declined. In most instances, it will tell you the customer's card was declined due to insufficient funds or an invalid card number. However, if your Stripe account is not fully set up, you and your customer may see a note that says:

An error occurred during the creation of a Stripe charge: This Connect account cannot currently make live charges. The `requirements.disabled_reason` property on the account will provide information about why this account is currently disabled. If you are a customer trying to make a purchase, please contact the owner of this site. Your transaction has not been processed.

Two reasons can cause this:
1. Your Stripe account is in "Test Mode"

2. Your Stripe account has not been fully activated.

If your Stripe account is in "Test Mode":
In test mode, you can charge test credit cards and create test products and prices. You can also use test mode to simulate transactions to make sure that your integration works correctly. To turn Test Mode on/off, log into your Stripe account at stripe.com and use the toggle button at the top right of your dashboard.

If your Stripe account has not fully been activated:

If your account can not make "live charges" and you're NOT in Test Mode, you may need to complete pending verification steps or provide additional information to Stripe. Check your Stripe Dashboard for more details.

Log in to your Stripe dashboard at stripe.com
Check for any messages or alerts requesting additional information or actions to complete the account setup or verification process. These are usually located across the top of your dashboard.
Check for the "Activate Account" link: If you see an "Activate Account" link at the top left, follow it to complete your setup.
Review account status: Confirm that your account status shows as "active".
Submit any requested details: If Stripe is requesting additional information, submit the necessary details promptly, which might include business documentation, identity verification, or other relevant data. After submitting the required information, Stripe will review your account, which may take a few business days.

Contact Stripe support if you don't see any notifications or activation links. They can help you resolve the issue and activate your account. You can use their live chat function from their support center at support.stripe.com by clicking the "contact support" link.