Transaction didn't go through? Here's a list of possible decline messages and what they mean:
Privacy Virtual Card was paused at time of transaction - Oops! Don't forget to unpause your card before attempting a transaction.
Privacy Virtual Card was closed at time of transaction - Sorry! Closed cards can't be used to make transactions.
Read more about paused/closed cards here
Transaction exceeded your global spend limit - This attempted transaction is higher than your account's daily/weekly spending limit.
Transaction exceeded your monthly spend limit - This attempted transaction is higher than your account's monthly spending limit.
Read more about account spending limits here
Transaction exceeded your Privacy Virtual Card's spend limit - This attempted transaction is higher than your Privacy Virtual Card's spending limit. Temporarily increasing or removing the spending limit on the virtual card will allow the transaction to go through.
Read more about virtual card spending limits here
An unauthorized merchant charged your virtual card - This virtual card has already been used with another merchant. You'll need to create another virtual card to transact here.
A single-use virtual card was charged multiple times - Single-use virtual cards close after one transaction. We recommend using a merchant locked virtual card when shopping somewhere that requires multiple purchases.
Read more about single-use & merchant locked virtual cards here
We were unable to connect to your funding source - We've lost connection with the bank token tied to your funding source, which often causes unwanted declines (like this one!). Please delete, then re-connect your funding source from your Privacy Account page. This will refresh your bank token and should prevent this from happening again.
Your funding source didn't appear to have enough funds for this transaction - This decline is in place to prevent overdraft/NSF fees charged by your bank. If the funds are available, please delete, then re-connect your funding source from your Privacy Account page. This will refresh your bank token and your balance.
This merchant is not permitted to make charges on Privacy Virtual Cards - While one of our main priorities is allowing users to transact with merchants safely and preventing unwanted charges, we also have to do our part to prevent fraudulent activity. Because of the high volume of suspicious transactions with this merchant using our cards, we've had to block any transactions with them.
Incorrect virtual card details. The virtual card form may have been filled out incorrectly - Try one more time and double check that the CVV and/or expiration date were entered correctly.
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What if my decline isn't listed on my account page under 'Declines'?
This could mean one of two things:
1. The virtual card number was entered incorrectly - This will usually cause an error on the merchant's check out page saying "Invalid card number" or something similar to let you know if this happens.
2. The merchant blocked the transaction from going through - This could happen for a variety of reasons. If the merchant does not accept credit cards, which Privacy Virtual Cards are classified as, you won't be able to use Privacy Virtual Cards with that merchant.
If the merchant normally accepts credit cards but still declines the virtual card, please contact them directly for more info on why this particular transaction is being declined.
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What if my decline isn't on this list?
Drop us a line at support@privacy.com and we'll be happy to look into this for you!