When a payment by card (physicalcontactless mobile payment or virtual card) is declined the customer receives a push notification or an email giving some explanation on the situation.

So why the transaction declined? There can be several reasons.

Card is blocked

The customer might have blocked temporarily the card. If so, they need to unblock it to make new purchases with it.

How to block or unblock a card

Insufficient funds

This is the most common reason. The card takes money directly from the account linked to the card. So if there are insufficient funds on this account, the payment will be declined.

From the 5th rejected card payment due to insufficient funds in a month, a €0.50 fee applies to each rejected card payment during the current month. Click here for more information on pricing and limits.

How to top-up an account

Card is unactivated

After delivery the card must be activated manually in-app by the customer.

How to activate a card

Card is expired

All bank cards have an expiry date. So Make sure the expiration date on the front of the card has not passed. If the card has expired, it's possible to order a new one.

How to replace a card

Card limits reached

The customer may have set daily or weekly payment and withdrawal limits. Going over these limits will block the card. The customer may also have exceeded the maximum limits of the card.

How to increase card limits

Card deleted

The customer can delete a card at any time in-app. For new purchase it's necessary to create or order a new card.

How to replace a card

The merchant does not support systematic authorizations

The card works with a systematic authorization. Before each transaction, this system checks that the account used as source of payment has sufficient funds.

Systematic authorization requires good network coverage for the retailer’s payment terminal to call the bank. Cards with systematic authorizations may be declined in places with poor signal: Airplanes, trains.

Places where your payment could be declined can also include:

  • Motorway tolls;
  • Automatic petrol pumps;
  • Street vendors.

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