Were you trying to make a payment with your VISA card but were unable to complete it? Are you getting an error message when trying to confirm an order? Annoying, right? You were probably already picturing the day that this fantastic item you ordered would get to your home, without even lifting a finger.
This common problem is a nuisance for the customer, who feels its time has been wasted and the business, that loses sales opportunity, without having anything to do with it.
You might not know the most common motives for your credit or debit card to fail. We will list them below and suggest solutions for each one of them.
- No balance left on the card.
Yes, even if it sounds obvious, it can happen. We regularly make payments with our cards, and can easily reach the limit without realising it. To solve this setback, you can either reload the card or try with another one.
- The card has expired
This happens when the card you intend to use has an expiration date that is lower than the date on which you want to carry out an operation. Banks tend to make sure they send a renewal in good time, but this may not be the case. That is why you should contact your branch to have it claimed and sent to you.
- Identification error
This error happens when the data introduced is different from what appears on the physical card. Just check the cardholder name, the card number, its expiration date, and the CVV number, which are the last 3 digits located on the back of the card.
- Authentication error
It might seem similar to the previous one, but this error occurs when one of the confirmation codes from your bank is introduced incorrectly. Almost every entity use the same system, based on sending an SMS with a code that must be entered by the user to validate the operation.
- Card not prepared for online or secure payments
You must activate your card for online payments. Many online banking platforms allow you to do so directly from their app or website. If this is not the case, you may request your bank to activate it. Most do it quickly and without having to go there personally.
- Daily purchase limit reached
For security purposes, banks usually set up a maximum daily limit for card payments. If you wish to increase it, you only need to get in touch with your branch for it to be raised.
- Maximum session time exceeded
If you take too long to confirm the payment, the system will block the operation for added security.
- Maximum number of attempts reached
After many failed attempts with the same card, the banking system blocks it to protect you from theft or inappropriate use by a third party. In this case, you must get in touch with your branch to unlock the card. Then, you will be able to continue with your operations.
As you can see, different factors can cause an error in the card payment process, but they are all easy to solve. Don’t worry. You will always be able to repeat your order and try again with another card. If the business allows it, you can also use your card to pay through Paypal, even if you don’t have an account on their platform.