Hispanic man with beard holding creditcard and giving thumbs down gesture on a narrow cobbled street; payment frustration.

alley, arch, authenticate, bank, bankcard, beard, building, card, cardholder, casual, charge, chargeback, checkout, cobblestone, complaint, consumer, credit card, debit, debit card, declined, denial, doorway, error, failed, frown, frustration, gesture, hand, hispanic, male, man, merchant, narrow, payment, plastic card, problem, purchase, refund, refusal, rejected, security, service, shirt, street, swipe, thumb, thumbs-down, transaction, urban, wallet,