If your transaction was declined, it may be due to card status issues, security measures, spending limits, or merchant-specific restrictions. Below are the most common reasons and solutions.

1. Card Status and Security Measures

• Card Frozen or Locked: Your card may be temporarily frozen due to security concerns or manually locked in your settings.

• Card Not Activated: If your card is newly issued or replaced, ensure it is activated before use.

• Card Blocked: The issuer may have blocked your card due to suspicious activity or compliance concerns.

2. Transaction Limitations

• Insufficient Funds: Check your available balance before making a payment.

• Daily Spending or Withdrawal Limit Reached: Transactions exceeding your pre-set spending or ATM withdrawal limits will be declined.

• Transaction Currency Restrictions: Some merchants may require payments in a specific currency.

3. Merchant-Specific Rejections

• Region Mismatch: Some merchants reject payments if the card’s issuing country does not match the user’s account region.

• VPN or Proxy Use: If a VPN is detected, some merchants decline the transaction.

• Prepaid Card Limitations: Certain merchants (e.g., Netflix, airline bookings, rental services) may not accept prepaid or virtual cards.

• Merchant Category Restrictions: Some businesses only accept specific Visa card types (e.g., only credit cards).

4. Incorrect Payment Information

• Ensure that the card number, expiry date, CVV, and billing address are entered correctly.

• Some merchants require the billing address to match the one linked to your card.

What Can You Do Next?

• Retry the Payment: Double-check your card details and attempt the transaction again.

• Try an Alternative Merchant or Payment Method: Some businesses accept PayPal, Apple Pay, Google Pay, or another Visa card.

• Check Your Card Settings: Ensure it is activated and within spending limits.

• Contact Customer Support: If you continue to experience issues, please reach out for assistance.