A card terminal is read as a moment of exchange and approval. A declined payment in a dream is taken as fear of rejection or of not having enough, not as a statement about real accounts.
When this appeared in your dream, what were you feeling?
My Cosmic Code has a private dream journal. Write a dream down and the app picks out the symbols in it, shows what dream books say about them and, over time, which words recur across your entries. The journal is stored on your device only.