# Merchant opt out and decline scenarios
source: https://developer.mastercard.com/unified-installments/documentation/experience-design-guide/pre-approved-offers-in-lender-app/design/merchant-opt-out-and-decline-scenarios/index.md

### Customer is not able to checkout successfully {#customer-is-not-able-to-checkout-successfully}

To improve unhappy or "decline" experiences for consumers, display appropriate error message that, whenever possible, include the reason the transaction failed.In the below scenarios, notify users via on-site error message, text or email from the issuers, and where possible, an alert at the time of payment in their digital wallet.

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**Scenario 1: Merchant has opted out**

When the user tries to use installments at a non-participating merchant

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**Scenario 2: Minimum Transaction Error**

When the users try to make a purchase which is less than the preset minimum transaction amount

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**Scenario 3: Exceeds Loan Value Error**

When the user tries to make a purchase that exceeds their available credit

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**Scenario 4: Second Time Loan Re-use**

When the users try to make a second purchase using one-time use card

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**Scenario 5: MCC Blocked**

When the users try to make a purchase at any merchant who is blocked  

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**Scenario 6: Cross Border**

When the users try to make a purchase at a merchant located in a region where the installment card is not accepted

### UX Journey {#ux-journey}

For the best viewing experience of the UX journey, click the **full screen mode** option or **zoom** using the controls located on the right.

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Next: [View post purchase experience: Multi-use card](https://developer.mastercard.com/unified-installments/documentation/experience-design-guide/pre-approved-offers-in-lender-app/design/view-post-purchase-experience-multi-use-card/index.md)