Thursday, September 29, 2022

Why Is My Visa Gift Card Being Declined

Card Type Not Accepted

Why Is My Visa Gift Card Being Declined?

Not all ATMs or stores accept all types of cards. I learned this the hard way when traveling South America, where I couldnt get money out of any machine that didnt say MasterCard.

Double-check whether they accept VISA, MasterCard, or American Express.

Plus: if your card has both a chip and a magnetic stripe, make sure youre using the right payment method theyre asking for.

How It Feels When A Card Gets Declined

If you have ever been at a store or restaurant and had a credit or debit card declined, then you know it can be an embarrassing experience. I have had cards decline because the magnetic striped stopped working, the card had been compromised , and yes, a few times, the purchase amount exceeded my credit limit.

Gracious cashiers or servers are understanding. Some will run the card a second time to see if the card still declines. Others will quietly ask you for another card or another form of payment so the people behind you in line dont hear. Some cashiers will even offer an excuse to save you public embarrassment by saying things like, Weve been having problems with our credit card machine all day or we just had a change to our system that might be causing the card to decline. No matter how well the cashier handles the situation, being asked for a different card can be embarrassingor just plain frustrating.

The same thing can happen if you use a gift card to make a purchase.

If I See Unauthorized Transactions On My Card Can I Dispute Them

The available balance on the Card is managed like cash. If you see unauthorized charges on your card activity, you should notify us immediately by calling 855-847-2033. If your card was registered, we can block the Card and prevent future transactions from being unauthorized. If there is a balance remaining, we can transfer that balance minus a $5 Card Replacement Fee to a new card that will be mailed to you. If the card was not registered, we will be unable to replace the card.

Read Also: Check Pacsun Gift Card Balance

Check Your Purchase History For Unpaid Purchases

You cant update apps or purchase content from iTunes and the App Store if there are unpaid purchases on your account. This happens if you made a purchase and then the payment method was declined.

iTunes and the App Store verify your account at the moment you make a purchase, but they often dont take the money until a few days later.

This could mean there are pending purchases you thought youd already paid for.

How do I check my Purchase History on an iPhone, iPad, or iPod?

  • Go to Settings> iTunes & App Store.
  • Tap on your Apple ID, then tap View Apple ID.
  • Enter your Apple ID password if prompted.
  • Scroll down and tap on Purchase History.
  • Unpaid purchases are listed under Pending.
  • How do I check my Purchase History on a Mac or PC?

  • From the menu bar, go to Account> View My Account
  • Enter your Apple ID password if prompted.
  • Scroll down to Purchase History and click See All.
  • Unpaid purchases are listed under Pending.
  • Why Is My Card Being Declined Online When I Have Money

    Why my VISA debit card gets declined? I

    Most of the time, your card was deactivated by fraudulent activity. The bank may want to confirm which purchases you made. You may be reissued another debit card or they may simply block the fraudulent activity. If your debit card was declined due to insufficient funds then you will need to add money.

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    What Should I Do When My Card Is Declined

    If your credit card is declined, start by double-checking to ensure that you entered the right information.

    When shopping online, that information will include your credit card number, billing address, expiration date, and security code. If youre using your card at a brick-and-mortar business, this will likely only include your billing ZIP code.

    If youre positive that youre entering the correct information and your card is still being declined, check the back of your credit card for your issuers contact information. Call the toll-free number and ask the representative whats wrong. Your credit card issuer will virtually always be able to identify the issue and guide you through the steps youll have to take to address it.

    Troubleshooting Failed Payments On Worldremit

    Most of our money transfers are paid for and sent without a hitch. If you encounter any problems with your payment, its likely for the following reasons.

    Poor internet connection

    If your internet connection is weak or keeps disconnecting, it can cause the payment for your money transfer to timeout or fail.

    Try making the payment when connected to a different wi-fi connection or using your mobile data. We always recommend our customers to use a secure wi-fi connection.

    Card used on multiple accounts

    If you have registered with WorldRemit more than once and have duplicate accounts using the same card, this can cause problems. The payment gateway we use will automatically block the card for security reasons, causing payments to fail.

    Our customer service team can help you to resolve this problem by disabling the duplicate account and unblocking your card. You will then need to login to your original account to put your payment through and complete your transfer.

    Tip: You may also encounter this problem after changing your email address on your WorldRemit account. If your relative has tried to use your card on their accounts, ensure they havent saved your card on their account as a preferred payment method.

    Wondering how to send money abroad fast? You can find out in our helpful guide.

    Sometimes a transaction may trigger your banks security and anti-fraud system to reject it. You will need to contact your bank or credit card issuer to have this problem resolved.

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    Why Is My Visa Gift Card Being Declined

    Visa gift cards are linked to bank accounts that generally must be activated in order to receive transactions. Inactive cards will be declined if used for payment because the associated bank accounts are not ready to be used. When the gift card is loaded with value , the gift card is automatically activated.8 mei 2020Visa gift cards are linked to bank accounts that cannot be overdrawn. If the purchase is greater than the funds available, the card may be declined. To use a Visa gift card for partial payment, ask the cashier to split the purchase into two transactions.


    The Type Of Card You Have Isnt Accepted

    Why is my Visa gift card being declined?

    The Issue

    Not all credit cards are created equally. Certain boast wider acceptance than others, with Visa and Mastercard leading the pack.

    Discover is accepted widely in the United States, but not as much in other countries. And in some countries Discover cards arent accepted at all.

    American Express is a popular network, but its known for the higher interchange fees it charges businesses that take its cards. As a result, Amex cards are accepted in a considerable selection of countries, but whether theyre widely accepted within a given country varies.

    Insider tip

    Theres also the occasional merchant that wont take a particular credit card. Costcoonly accepts Visa credit cards, for example, and credit cards on other networks arent allowed .

    The Solution

    Most merchants make it clear which types of credit cards they accept. If youre shopping online, look for the websites FAQ section. Youll usually find a network list with other common payment questions. Or you can do a Google search and you might find the answer on a different site.

    As for brick-and-mortar stores, youll probably find signs or stickers depicting which cards the merchant accepts on the door or near the cash register. If all else fails, ask a cashier, and he or she should be able to tell you.

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    My Debit Card Payment Has Been Declined Even Though I Have Enough Money To Cover The Payment

    If you’ve had a debit or check card payment declined and you have enough money in your account to cover the payment, there are four conditions that can prevent your payment from going through:

    • The payment amount exceeds your daily spending limit.
    • The payment is larger than the maximum transaction allowed for your account.
    • Your debit card has been locked by your issuing institution. This often happens when you enter an incorrect PIN at an ATM more than a few times.
    • The charge is larger than what you usually would put on your card.

    The solution to any of the above problems is to contact your payment card’s issuing institution and ask them to adjust your daily spending limit, maximum transaction size or to unlock your card. Most payment card issuers can make these changes and have them take effect immediately allowing you to complete your payment.

    If your issuing institution will not lower your maximum transaction or daily spending limit, consider making a series of smaller payments that are under your limit including the VPS convenience fee.


    Virtual Payment Systems is an online payment processing service. We help businesses accept credit card, debit card and ACH payments. Learn more.

    Are You Using The Visa Gift Card At A Hotel

    Hotels often ask for a card during the check-in process, as a precaution, to cover incidental charges such as using the telephone, eating something out of the mini-bar, ordering room service or charging a meal to your room. When giving a card, the hotel may automatically place a hold on the card for the estimated amount of the stay, plus up to 30 percent for those incidentals. If the hold amount is greater than the balance of your gift card funds, then this pre-authorization amount may decline. To avoid having a hold placed on your gift card, use a credit card when checking into the hotel, but tell the clerk youd like to pay the final bill with your gift card.

    Recommended Reading: Trade Or Sell Gift Cards

    Your Card Status Has Changed

    If youre an on someone elses credit card, and youre unknowingly removed by the holder of the account, your card will be rejected if you try to make a purchase. While an authorized user may be issued a credit card that can be used to make charges, the primary cardholder is the only one who can make changes to the account in question, including if and when to remove authorized users.

    If you have been taken off of an account without your knowledge, you can contact the primary account holder to see if you can change your status. As an authorized user, you will not be able to add yourself back to the account.

    Additionally, your credit card issuer might close your card without your knowledge due to delinquency or card inactivity. While an issuer is not required to reinstate a canceled card, you can call to see if there are any steps you can take to get your account back.

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    How Do I Fix The Error This Payment Cannot Be Processed At This Time Please Try Again Later

    Debit Card Declined? 9 Reasons Why (And How to Avoid ...

    perhaps the credit or debit card information is incorrect. Be sure to check your billing address matches the records of your bank as well.

    If that doesnt help, try contacting your bank directly. There could be a block on your account if they suspect this is a fraudulent transaction.

    And finally, take a look on Apples website to see if iTunes or the App Store are down. If theres anything other than a green circle next to them, the problem is at Apples end.

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    Why Was My Credit Card Declined Possible Reasons And Solutions

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    Your credit card may be declined for many reasons, including atypical activity, incorrectly entered information, or because youve reached your credit limit. You can usually call the issuer to find out what happened.

    At some point in all of our credit card-using lives weve probably heard the words, Im sorry, but your credit card has been declined.

    Insider tip

    How Do I Stop Family Members Making Purchases On My Account

    When you use Family Sharing, purchases made by any family member come off the Family Organizers payment method. This can lead to a lot of unexpected purchases.

    But you can restrict those purchases by turning on Ask to Buy for family members:

  • Go to Settings> > Family Sharing.
  • Tap the relevant family members name .
  • Tap Ask to Buy.
  • When this family member tries to make another purchase, your devices will ask for authorization first. You cannot turn on Ask to Buy for adult family members.

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    Youre Our First Priorityevery Time

    We believe everyone should be able to make financial decisions with confidence. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free.

    So how do we make money? Our partners compensate us. This may influence which products we review and write about , but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.Here is a list of our partners.

    Do Visa Gift Cards Need To Be Activated

    Why Is My Credit Card Declined When I Have Money

    Do I need to activate my Visa Gift card? Many Visa Gift cards are activated automatically upon purchase and may be used immediately. However, some Visa Gift cards must be activated by the recipient before they can be used. Be sure to sign in the designated area on the back before making your first purchase.

    Read Also: Where To Buy Grubhub Gift Cards In Store

    How Do I Get A Replacement Card

    If you registered your original First Horizon Bank Gift Card, you will be eligible for a replacement in the event your card is lost or stolen. Any available balance will be transferred to the new Card minus a $5.00 Card Replacement Fee that will be deducted from the Card’s available balance. A replacement Card can be ordered online by signing in to your Gift Card account at or by calling us at 855-847-2033. The replacement will be mailed to you at the address registered to your First Horizon Bank Gift Card within 5-7 business days.

    Have You Tried Using The Card At Another Store Or Website

    A few years ago, my son received a gift card for his birthday. We tried to activate the card online, but the system said the card number was invalid. We tried to activate and check the balance by phone, but we got the same response. I even called customer service. The woman I spoke to said the card number was so old, she no longer could access it with her system. Figuring we were out of luck, we tossed the card on the counter and gave up.

    A few weeks later, however, it occurred to me that we should just try using the card. The next time I had a purchase to make online, I entered the gift card number he had received. It worked! I do not know why the balance check system didnt work, but we were able to use the card both online and in a store. So when all else fails, I now advise people to simply try using the card. Sometimes the support systems fail, but the card will still work.

    Recommended Reading: Cabelas Giftcard Balance

    Why Is My Visa Not Working Online

    The most common reasons are that the card hasnt been activated, the cashier is running the wrong type of transaction, the dollar amount being charged is greater than the cards balance or the credit card processing machine is bumping up the charge amount to either place a hold on the card or to allow for a gratuity.

    Card Deactivated By Joint Account Holder

    Why Was My Debit Card Declined: Banking 411

    When you have a joint account with a spouse, family member, or roommate, they can have it deactivated without any permission from your side.

    When your card gets deactivated by a joint account holder, you cannot make any further purchases with this card.

    This can come in handy when someone sees fraudulent activities on the card and wants to block it.

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    Can I Use A Virtual Visa Card On Paypal

    For PayPal members, you can simply add prepaid gift cards to your wallet then start using them during checkout just like any other credit or debit cards. For users without PayPal account, you can just enter the card information during checkout in the same way you would do with credit or debit cards.

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