Debit card declined why

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. Why was my debit card declined? We will look at the different scenarios when your debit card can get declined and common tips to avoid debit card declines. There is no doubt that debit cards provide one of the most convenient ways of making purchases at any point of sale. Unlike credit cards, using debit card incurs no interest payments. However, just like when using credit cards, sometimes the merchant can decline your transaction when you swipe your card.

Let us look at the most probable reasons why your debit card can get declined, and how to fix a declined debit card. Not having sufficient funds in the account is one of the most common reasons why your debit card can get declined. If you do not keep consistent track of your spending, you may run out of cash and not be aware of it. Nonetheless, you may still be able to proceed with the transaction if you have overdraft protection.

Overdraft protection ensures that your transactions or withdrawals go through despite having less amount in your account. It means that there is an unprocessed payment and the pending charge will disappear after the payment is processed. Use an app like Trim to help you automatically trim expenses like your cable bill, subscription services, utilities and more.

Keeping track of your bank balances is the best way to fix an insufficient balance issue. Find quick ways to get up to date with the current balances after every transaction through mobile or online banking. If your financial institution has a mobile app, then you can download it on your smartphone. This can help you to quickly check your balance when shopping and know what you can be able to pay with your debit card.

Also, you can make sure that you always have money in your account by using apps like Personal Capital to manage your personal finances. Use these epic financial tips and advice that will help you build up your personal financial situation. Or, try to make more money with side hustles to earn extra cash. Do you know your debit card PIN off the head?

A PIN is a 4-digit number that is usually added as an extra security feature. When you have your debit card declined, but money in the bank is enough to complete the transaction, incorrect PIN might be the reason.

The PIN helps to ensure the person using the debit card is the real owner of the checking account. And, if you have not memorized your pin number, you may end making wrong PIN entries. Always select Debit. This step provides a second authentication factor your PIN which may satisfy the enhanced security protections that have been put in place and allow you to complete the transaction. Only Use Chip-Enabled Terminals. The chip in your card — combined with the use of your PIN — provides a higher level of security and may allow you to bypass any security protections that have been set up.

Alert your bank before you travel. Many security protections have geographic triggers that can often be lifted for limited periods of time. Call your bank to see if you can add this security measure to your account.

Some financial institutions add geoblocking features to their debit cards, which prohibit you from using your card in certain countries or regions where fraudulent activities may be high. This is the most common cause of a debit card being declined, and one that you can easily avoid by keeping careful track of your spending money.

Unless you have overdraft protection , most banks will not allow you to make a purchase or withdrawal that goes beyond your available balance. See if your financial institution offers a mobile app that shows your up-to-date balances and transactions. Check this before making your purchases to ensure you have enough funds. If you frequently experience overdrafts in your account, consider looking into a checking account that offers overdraft protection. Along the same lines as having insufficient funds in your account is attempting an ATM withdrawal that exceeds your account balance.

Trying to do this will automatically result in a declined transaction. Get into the habit of checking your account balance before making a withdrawal. Most ATMs will let you view your balance prior to withdrawing cash, but there may be fees.

Some debit or credit card issuers prohibit the purchase of gift cards due to fraud and the increase of using stolen cards to purchase prepaid gift cards. Also, some retailers like Giant Food grocery stores, have policies put in place disallowing the purchase of gift cards with a credit or debit card to try to minimize potential fraud.

First check with your bank to make sure that there are no issues with your card. Get rid of fees with this financial app offering consumer-friendly accounts. Chime can also help you save easily and access your paycheck faster. If you have questions about why your debit card was declined, the best thing to do is call your institution directly.

In most situations, a customer service representative can help you reset your PIN, unfreeze your account, verify a purchase, increase your withdrawal limits and more. Having your debit card declined can be frustrating and embarrassing. While some declines are out of your control, most can be avoided by taking some simple precautions.

As always, compare your debit card options until you find one that suits your spending habits. Peter Carleton is a writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading.

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Why was it declined? Sorry to hear your debit card was declined. As you mentioned that your card has remaining balance but has a pending transaction means that there may be a floating amount on your account and this may have taken up the remaining balance of your card.

It would be best to contact your bank to check on this before proceeding with your other transaction. I have been trying to make an online purchase with a particular company, but I keep getting this message : Your card was declined.

Your request was in test mode, but used a non test card. What does this mean? I know I have funds. Sorry to hear that. You will usually get that error you stated above when an account is in Test Mode, transactions may be submitted that will not be authorized or charged to the account numbers provided in the transactions.

This will usually occur in a certain merchant. The interface will confirm that the Test Mode settings have been successfully applied and the account is now in Live Mode. Please also note that you will incur applicable transaction fee charges when Test Mode is turned off, even if you use test credit card numbers. Test credit card transactions should only be processed in Test Mode.

When Test Mode is turned off, the merchant will attempt to process all transactions they receive. For this security concern, you would need to wait for the bank to open so they could unlock your ATM card.