What should I do if my Credit Card is not working for an online transaction? (2024)

FAQs

Why won t my credit card work for online purchases? ›

Some common reasons that your credit card might get declined include having the card's credit limit maxed out, accidentally triggering the card's fraud protections and even entering incorrect payment information on a website.

It is common for banks not to authorize certain transactions based on their internal policies. When a payment fails, it is likely due to filters the bank applies to certain transactions made online, or amount limitations applied to the card.

A credit card may be declined for many reasons, such as: The card doesn't have enough available credit, or the credit limit has been reached. Pending transactions have lowered your available credit, but haven't been applied to your current balance. Card details or PIN were entered incorrectly.

A credit card decline is when a credit card payment isn't authorized or accepted. There are a few reasons why a customer's card might not work – whether their card has expired, they've spent too much on it, or the issuing bank thinks there might be suspicious activity, among other reasons.

Your card may be declined for a number of reasons: the card has expired; you're over your credit limit; the card issuer sees suspicious activity that could be a sign of fraud; or a hotel, rental car company, or other business placed a block (or hold) on your card for its estimated total of your bill.

STEP I: Login to your bank's internet banking portal with your credentials. STEP II: Go to the 'Value Added Services' or the 'Cards' section, depending on your bank's website, and choose 'debit card ON/OFF'. STEP III: Choose the card you want to enable from a list of all your linked debit cards.

It includes entering wrong card numbers, expiry dates, or CVVs, which can lead to immediate rejection of transactions. Additionally, incorrect entry or delay in receiving OTPs may cause trouble. Transaction failure may also occur if the transaction amount exceeds the account balance.

Try the Transaction Again

Something as simple as a missed digit on your credit card number, expiration date or CVV security code can trigger a failed transaction. Double-checking the information on your payment form and making sure it matches your billing information may do the trick.

Most of the time that a card will not work online is because you have to input a lot more information than you would need when paying in store. If any detail you give does not match the records held by the card issuer, your transaction will be declined. This is more likely to happen f you are using someone's card.

Why does my online credit card payment fail? ›

Sometimes online credit card transactions would fail - the reasons for such failure may simply be the use of a wrong card number or the card limit has been reached, etc.

Banks block transactions to safeguard their interests in the event of suspicious activity in your account or to comply with regulatory standards. You can work with your bank's anti-fraud team to tackle the problem, but if it persists, choose an alternative to traditional banking that protects 100% of your money.

You entered your card information incorrectly. You have an old address or phone number still on file. You reached your credit limit. Your card has expired.

The transaction may be rejected if the cardholder provides information that does not match what the issuing bank has on file. It can involve using an incorrect password or card number. For a successful transaction, all the details must coincide with the bank information.

This could be due to insufficient funds, frozen account status, invalid credit card number or expiration date, etc. Regrettably, the card issuing bank does not provide additional details regarding the reason for the decline. The customer will need to contact the card issuing bank for more information.

A common reason why your card hasn't worked for an online purchase is you've accidentally entered in the wrong card number, expiry date or CVV number. All it takes is one number to be wrong, which is an easy error to make.

Banks block transactions to safeguard their interests in the event of suspicious activity in your account or to comply with regulatory standards. You can work with your bank's anti-fraud team to tackle the problem, but if it persists, choose an alternative to traditional banking that protects 100% of your money.