Having your card rejected can be a frustrating experience. This article explains why this might be happening, and what to do.
There are several reasons why your card may not go through when you're trying to make a donation on givestar.
1. Insufficient Funds
What it means: There is not enough money in your account to cover the transaction.
What to do: Check your account balance, and transfer or deposit funds if necessary.
2. Exceeded Credit Limit
What it means: You have surpassed the credit limit on your credit card.
What to do: Pay down your current balance before attempting to use your card again.
3. Expired Card
What it means: The expiration date on your card has passed, and the card is no longer valid.
What to do: Request a new card from your card issuer.
4. Incorrect Information Entered
What it means: The card number, expiration date, security code, or personal information was entered incorrectly.
What to do: Re-enter your details carefully and ensure they match your card information.
5. Outdated Card Information with Merchants
What it means: Your card details may have changed, and the merchant has outdated information on file.
What to do: Update your card information with any merchants where you have recurring payments.
6. Suspicious Activity or Fraud
What it means: Your card issuer may have detected unusual or suspicious activity and blocked the card as a precaution.
What to do: Contact your card issuer to verify recent transactions and clear any holds.
7. Bank or Network Issues
What it means: Sometimes, the problem may not be on your end but with your bank's processing system or network.
What to do: Try the transaction again later or contact your bank if the problem persists.
8. Card Not Activated
What it means: If you have a new card, it may need to be activated before use.
What to do: Follow the activation instructions provided by your bank or card issuer.
9. Card Not Supported
What it means: Some merchants may not accept certain types of cards or cards from specific issuers.
What to do: Use an alternate payment method or inquire with the merchant about accepted cards.
10. International Transactions Blocked
What it means: Your card may have restrictions on international transactions, whether online or while you're traveling abroad.
What to do: Inform your bank of your travel plans or ask to enable international transactions.
11. Damaged Card
What it means: Your card may be physically damaged, preventing it from being swiped, tapped, or inserted.
What to do: Request a replacement card from your bank.
12. Incorrectly Inserted, Swiped or Tapped
What it means: You may not be using the card reader properly.
What to do: Make sure you are inserting the chip-end of the card into the reader or swiping it in the correct direction.
13. Reached Daily Spending Limit
What it means: Some banks have a daily spending limit to protect against fraud.
What to do: Check if you've reached your limit and wait until the next day or request a temporary limit increase.
Links to related articles:
https://consumer.ftc.gov/articles/when-company-declines-your-credit-or-debit-card