If you own a debit card, you may have experienced the odd scenario when you could not complete an online purchase with your debit card. This can be irritating and downright frustrating. Having been in a similar situation like you, I discovered eight reasons why a debit card may be declined for online purchases, and in this article, I will be explaining all of them.
There are several reasons why you may be unable to use your debit card for online purchases. Some of the reasons include regulations by your bank on online purchases, inactivated debit card, daily transaction limit exceeded, expired debit card, and much more.
I will explain the common reasons why your debit card may be declined when making online purchases. A handful of these reasons are straightforward to solve, and I will be walking you through their solutions. While others may not be solved except you contact your bank, you will have to just deal with some of these challenges as they do not have immediate solutions.
Ready for the ride? Giddy up, and let’s delve into each reason and provide solutions.
Why Can’t I Use My Debit Card for Online Purchases? (Reasons + Solutions)
You may be unable to use your debit card for online purchases if the vendor you are purchasing from does not accept your debit card, you have insufficient funds, daily transaction limits, and possibly regulations by banks on international purchases.
As promised, I will highlight the different reasons you may be unable to use your debit card for online purchases and how you can solve them. The following are insights into the possible reasons why your debit card may not work for purchases online.
1. Vendor Does not Accept your Debit Card
One of the principal reasons your debit card may not be working to pay for online purchases may be because the vendor you are buying from does not accept payments from your debit card type. You may be trying to use a debit card type that is not accepted by the vendor you are buying from.
To be sure this is not the problem, look for the section on the vendor’s website where they show icons of accepted payment channels. You will typically see a list of payment channels such as stripe, PayPal, MasterCard, Visa, etc. Then, cross-check to be sure the vendor accepts your debit card type.
If your debit card type is among the payment methods listed on the vendor, then you could be dealing with any of the other seven common problems that could potentially prevent your debit card from being used to pay online.
2. Insufficient Funds on the Card
As embarrassing as this may sound, having insufficient funds on your debit card may be the reason why it gets declined when you are trying to make a payment online. One time I needed to pay for something with my card, and it was getting rejected at every try. Finally, I got frustrated with my bank and the vendor. Little did I know there was not enough money on the card to make that purchase.
Check the account balance on your debit card to ensure insufficient funds are not why your card is getting declined. Unfortunately, the vendor payment gateway may not be smart enough to notify you that insufficient funds is the reason why your card is getting declined. This is why you have to check the balance of the card to be sure.
3. Expired Debit Card
Once your debit card expires, it ceases to be capable of being used to make any purchases, withdraw from ATMs, or carry out any transaction. Debit cards have expiry dates, and if your card has expired, you will not be able to use it in making payments even when you have funds in your bank account.
On every card, there are four digits separated by a forward slash (/). Next to this four-digit number is the phrase “VALID THRU.” They represent the month and the year the card is expected to expire. For instance, if the four digits on your card are 12/21, it means your debit card will expire by December 2021. Suppose the four digits are 04/22, which means your card will expire by March 2022.
There are many numbers on a debit card. A debit card typically has a CVV number, a 16 digits card number and the expiry date. The expiry date is the four-digit number that is separated by a forward slash. Check your debit card for these digits and confirm if your card has not expired.
If it hasn’t, there are still five more possible problems and solutions I will show you.
4. Daily Transaction Limit Exceeded
If you are a Bank of America customer using Zelle, the daily limit for an individual account is $3,500 per day. Any transaction that exists this $3,500 Bank of America Zelle daily limit will be declined. It is the same scenario in the entire financial world. According to the Federal Deposit Insurance Corporation and banking platforms in the United States, these limits are placed to safeguard our bank accounts and prevent financial fraud.
While transaction limits are an excellent way to keep our accounts safe, they can hinder the smooth running of your purchases. Once your transaction limit has been exceeded, your debit card will not be able to make payments for your online purchases.
In such a scenario, you will have to wait until 24 hours have elapsed before using your debit card to make the purchase.
5. Incorrect PIN or Too Many Incorrect PIN Attempts
Security is a major concern in the financial sector. Banks and government agencies that control and govern the activities of financial institutions are critical about security for Americans in the use of your banking facilities. This is why your debit card may be blocked after too many trials of an incorrect PIN.
I often advise people to stop trying their PIN after they have gotten the incorrect PIN message thrice. Some banks may block your debit card after three trials others may give you a grace period of five or seven trials.
If you seem to have forgotten your debit card PIN, you may need to call in at your bank. That would mean not being able to make that online purchase immediately. However, it is the only option you have for this issue, except you will try and remember the PIN.
6. Your Debit Card Has Not Been Activated
Another salient reason you may be unable to use your debit card to make online purchases is that the card has not been activated. When a bank issues a debit card, it must be activated before it can be used to perform any form of transaction. Chances are that you and your bank representative forgot to activate the card. Well, you will not be able to use it for any transaction, let alone online purchases.
If you are using the debit card for the first time, it is possible that it has not been activated. Interestingly, a significant number of banks today allow customers to activate their debit cards from the comfort of their smartphones using the bank’s mobile app.
Open your bank app and check if the option to activate your debit card is there. Else, you may need to visit your bank to have your card activated.
7. Bank Flagged your Transaction as Being Suspicious
Banks are always looking out for their customers. This is no news as they are vocal about it. As part of their commitment to ensuring your funds are safe, the bank monitors every transaction you make, and when they sense a suspicious transaction, they temporarily block an account.
There is also the potential of having your account blocked not because of the transaction you are trying to complete but because of multiple transactions in the past that your bank may have considered suspicious. If this is the case, you will need to visit your bank to get your account activated. You may be asked to prove it was you performing those transactions and take steps to secure your account.
Security concerns are often raised when you perform transactions, not in the spectrum of the regular transactions you carry out. It is why your bank may flag an online purchase transaction as being suspicious. However, in most cases, you can quickly verify that you are trying to perform the transaction.
8. Regulation by Banks on International Purchases
There are tons of regulations on banking practices binding the government, financial institutions, and customers. These regulations are imposed to ensure safer financial practices in the nation, focusing on providing fairness and reducing crime.
One of the recent regulations to the financial world is dubbed “Regulation E”, which is a regulation by the Federal Reserve Board that outlines the rules and procedures for electronic funds transfers (EFTs) while providing guidelines for issuers of electronic debit cards.
With these regulations and others which may not be known to customers, there is every possibility that your debit card may not be able to pay for an online purchase because of regulations imposed on international purchases. This means that you may be unable to use your debit card to make an online purchase if it involves an international body that is the vendor is not domestic but foreign.
To wrap up this article, I would like to answer several questions surrounding peculiar issues with debit cards.
1. How to Unlock a Debit Card?
Your debit card may get locked or blocked if your bank suspects a fraudulent transaction going on with your account. Whatever the case may be, to unlock your debit card, open your bank’s app or visit your bank’s official website to see if there is an option to do so there. Alternatively, you can call your bank and ask them to help you unlock your debit card.
In some cases, you may not be able to unlock your car from your bank’s app or by putting a call to your bank. Instead, the bank would require you to visit them to verify you are the account owner, and then you will need to take measures to ensure your account is more secured.
2. Why Is My Debit Card Declined Even When I Have Money in My Account?
Suppose you have money in your account, and your debit card gets declined when making online purchases. In that case, it could be because the vendor does not accept your card type, your debit card has been blocked due to security concerns, you are entering an incorrect PIN, you have exceeded your transaction limit, or your card may have expired.
Be sure to check whether the vendor accepts your debit card and that your bank may not have blocked you out. If you are certain your PIN is correct and you have not exceeded your daily or weekly transaction limit, try calling your bank to find out what is wrong.
3. Visa Debit Card Not Working?
Your Visa debit card may not work for online purchases because Visa may not be accepted as a payment method by the vendor. Other reasons include insufficient funds in your bank account, your card being blocked by your bank, or entering your card details incorrectly.
It is rare to find an online vendor who does not have Visa as a listed payment method. Hence the first reason why your Visa debit card may not be working is not often the case. If your Visa debit card is not working on completing an online purchase, ensure you input your card details correctly. Should the problem persist, it could be caused by a lack of funds or your card being block
Solutions To Why You Can’t Use Your Card For Online Purchases
If you’re having trouble using your debit card to make online purchases, here are some possible solutions.
Contact Your Bank.
The first step is to contact your bank and find out if there’s a problem with your account, says Michelle Jun, a credit expert at Credit Sesame. “If you are able to make purchases at other stores or restaurants, but not online, that is a good sign that there is an issue with the merchant,” she says. “Unfortunately it could take days or months for them to fix it.”
Check For Fraud Alerts.
If you’ve recently been the victim of identity theft or fraud, it might be preventing you from being able to use your debit card online, according to Jun. “The merchant may have flagged your account as fraudulent due to suspicious activity on it,” she says. “Your bank will need to verify with the merchant that everything is okay with the transaction before they release funds.”
Make Sure There Aren’t Minimum Purchase Requirements.
Some stores require a minimum purchase amount in order for customers to use their debit cards online, so make sure that isn’t the case before contacting your bank or trying another solution below.
Consider using a credit card instead of debit card . You may have more luck using a
It is important to note that your debit card may not work for online purchases if you use it in a different country. You may need to note this reason in addition to the eight others I have highlighted above.
Peradventure, you tried the solutions I attached to each problem and could not make a headway. The advice I can give is that you call your bank or visit their customer care. With debit cards, there is bound to be some level of frustration due to technical flaws. Always make sure to check with your bank if your debit card is not functioning as expected.