Common Decline Reasons

  • Insufficient balance: Card was swiped more than the card balance (it should be swiped for the available balance or less)

  • Activation: Card was not activated

  • Incorrect PIN: The incorrect PIN was used for point of sale transactions (process without a PIN as credit)

  • Recurring Payments: Card was used for recurring payments

  • Gas Stations: Used at a gas station pump - you must go inside the station to use the card.

  • Gratuity: Some merchants (restaurants, hotels, spas, cruise lines, etc.) may seek an authorization above the purchase amount to cover gratuity, incidentals or other expenses. This could be 20% of the total bill. If your card balance is less than the authorization amount see Using Multiple forms of payment.


Using multiple forms of payments


  • Use this card last so the amount swiped is the same or less than the card balance.