Why was my Tap card declined?

Struggling to understand why your Tap card transaction was declined? If you have activated your push notifications or set up transaction emails, the reason is at your fingertips.

If the merchant declines your payment, we may not have all the details. You'll see it was unsuccessful, and in such cases, contacting the merchant for specific decline reasons is the best route.

Let's delve into some common reasons why your card transaction might be declined 💳 :
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💳 Spending Limit Reached:
Your card might have hit its spending limit. The amount you can spend depends on the type of payment you're making. You can check or up spending limits here and here, or directly in the app under the fee section in your profile settings.

💳 Contactless Hiccup:
Sometimes, contactless payments fail for security reasons. Simply insert your card into the terminal and enter your PIN to complete the payment. After doing this, contactless payments should work again.

❄️ Your Card is Frozen:
If your card is frozen, you can easily unfreeze it from the app by going to the "Card" section and then tapping the button "Unfreeze".

📝 Incorrect Billing Address:
For online payments, make sure to enter the same address as the one listed on your Wise account.

🙅 Card Not Activated:
You need to activate your card before you can use it. To activate your card, visit the nearest store and initiate a payment using your PIN, or use a nearby ATM to perform any operation, which will activate the card for use.

⛔ Unsupported Transaction:
Sometimes, our card isn't compatible with the merchant's payment platform. It means they might process the payment in a way we don't allow. In such cases, you might need to use a different card.

🤖 Technical Glitch:
Connectivity issues between us and the merchant may have caused the problem. Try removing your card details from their website, troubleshoot your browser, and attempt the payment again.

🔐 Security Block:
Occasionally, we'll block a transaction for security reasons, and we might not be able to provide specific details about it. If this occurs, you might need to use another card.

💸 Insufficient Funds on Your Card:

‍Even if you have a balance in your EUR wallet, your Tap card itself needs to be topped up with EUR. Ensure that your card is loaded with sufficient funds before making a payment.