Transaction didn't go through? Here's a list of possible decline messages and what they mean:
Card was paused at time of transaction - Oops! Don't forget to unpause your card before making a purchase.
Card was closed at time of transaction - Sorry! Closed cards can't be used to make purchases.
Read more about paused/closed cards here
Transaction exceeded your global spend limit - This purchase is higher than your account's daily/weekly spending limit.
Transaction exceeded your monthly spend limit - This purchase is higher than your account's monthly spending limit.
Read more about account spending limits here
Transaction exceeded your card's spend limit - This purchase is higher than your card's spending limit. Temporarily increasing or removing the spending limit on the card will allow the transaction to go through.
Read more about card spending limits here
An unauthorized merchant charged your card - This card has already been used with another merchant. You'll need to create another card to transact here.
A single-use card was charged multiple times - Single-use cards close after one transaction. We recommend using a merchant card when shopping somewhere that requires multiple purchases.
Read more about single-use & merchant 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 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 card details. The 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.
What if my decline isn't listed on my account page under 'Declines'?
This could mean one of two things:
1. The 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. Privacy cards are classified by Visa as prepaid debit cards, so unfortunately if a merchant does not accept prepaid cards, you won't be able to use Privacy cards with that merchant.
If the merchant normally accepts prepaid cards but still declines the card, please contact them directly for more info on why this particular transaction is being declined.
What if my decline isn't on this list?
Drop us a line at firstname.lastname@example.org and we'll be happy to look into this for you!