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Why is my card declining?

Trouble shooting failed card transactions.

Mojisola Aimasiko avatar
Written by Mojisola Aimasiko
Updated over a month ago

Your Grey US virtual card may be declined when you try using it on some websites.

Here are some reasons why this may happen:

  • Insufficient funds - Your card payment might have declined because your card was not funded. Please ensure your card is funded at all times, and note that your USD balance is not the same as your card balance. Also, repeated declined card transactions due to insufficient funds may lead to us restricting your access to our card service.

  • Your card is frozen - Please ensure your card is active and unfreeze it if frozen before making payments.

  • Transaction type is not supported (MCC not allowed ) - You may have tried the card on a restricted platform, e.g., Betting, Crypto, and Pornography. The transaction may also be blocked for security reasons.

  • Wrong billing address - Please ensure you enter the billing address you have listed on your Grey account.

  • 3D-secured authentication- The website or merchant requires 3D-secure cards; the cards provided are not 3D-secured enabled.

  • Connectivity issue - Card transactions may also fail due to technical issues on the merchant's website. You can try clearing your browser cache or opening the website you are trying to make payment on an incognito browser.

  • If your card transaction fails five(5) times due to insufficient funds, your card will be deleted.

  • If your card is frozen, you cannot complete transactions. Please fund and unfreeze your card.

  • Newly created cards with three(3) failed transactions due to insufficient funds will be terminated immediately. Remember, your USD balance and your Card balance are not the same.

  • Your USD balance is not the same as your card balance.

Please ensure your card is funded when transacting, especially for scheduled and recurring payments. You can also delete your card from the platforms it has been added to or cancel your subscription to prevent charges on your card.

If you need further assistance, please get in touch with our support team via the in-app chat or email [email protected]

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