Why are my card payments failing?

Why are my card payments failing?

There are a number of reasons why your card payments might fail. 

You don’t have enough money in your account

One of the most common reasons card payments fail is if you don’t have enough money in your account. If your card payment keeps failing, check your balance in your account by going to Balances on desktop, or Account if using the app. 

You’ve reached your spending limit

There are limits to the amount of money you can spend using your card, depending on the type of payment you’re making. If your card payments are failing, check your limits

You haven’t activated your card yet

Once you get your TransferWise debit card, you’ll need to activate it before you can use it to make any payments. To activate your card:

  1. Go to your TransferWise account
  2. If you’re on the website, go to Debit card. If you’re on the app, go to Account, then click the card number at the top 
  3. Enter the 6-digit code that’s on the card below your name

Now your card is activated, you’ll be able to use it to make payments. If you’d like to use contactless, you’ll have to make a chip and PIN payment first.

You chose the wrong account type

When making a Chip and PIN transaction, make sure you choose the right account type if asked.

In Australia, New Zealand and Brazil, you'll need to choose credit, not savings or cheque. In other countries, current or savings will work. 

You’re spending somewhere that we don’t support

Unfortunately, you can’t use your debit card everywhere at the moment. You can only use your card where Mastercard is accepted. And you can’t use your card in some countries. Check which countries you can’t use your card in.  

You’ve disabled that payment type

We give the option to disable certain types of card payments on the app if you don’t want to use them. You can turn off contactless payments, for example, or online payments. If you try to make a payment and have disabled that type previously, your card payment will fail. To check on, or enable, a payment type:

  1. Open the TransferWise app
  2. Click the Account tab
  3. Tap on your card, or click Manage card in Android
  4. Choose See spending limits
  5. Choose which payment type you’d like to check

The switch at the top will be blue if that payment type is enabled, and greyed out if you’ve disabled it. 

All payment types are enabled as default. 

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