Because the sending or receiving bank rejected the transfer. The money is not lost — it stays in your Melon balance and goes out on the next payout run once the problem is fixed.
Common causes
The receiving account is closed or changed. The most common cause. Connect the current account in Settings.
The bank connection expired. Melon cannot send to an account it can no longer verify. See How do I reconnect a disconnected bank account?.
Account details changed at the bank. A rebuild, merger or account-number change makes the stored details stale. Reconnect the account.
The account does not accept ACH transfers. Some savings and prepaid accounts do not. Use a checking account.
KYC is incomplete. Verification must be finished before money can be sent. See Update your KYC info.
What to do
Check Settings for a prompt about your bank or verification.
Fix whatever it names — usually reconnecting or completing KYC.
Wait for the next payout run. Payouts are released weekly, with a cutoff of Thursday at 19:00 UTC.
You do not need to request the failed payout again. It is included automatically once the account is usable.
Repeated failures
An account that fails twice usually will not work at all — a savings account that rejects ACH, for example. Connect a different account rather than retrying.
Related