A payment can be declined for reasons on your side, on the merchant’s side or by a security check. The quickest way to find out is to open the card’s transaction history in the Rumto app: the reason is usually shown next to the failed payment.
Check your card first
- Balance: the card has enough money for the payment.
- Status: the card is active, not blocked and not expired.
- Details: the card number, cardholder name, expiry date and CVV are correct.
- Limits: the payment fits within your card limits.
Reasons on the merchant’s side
Some shops and services don’t accept certain card types or payment methods. It depends on their agreements with payment systems and on what their terminal supports.
Not every card works for every kind of payment. Online purchases, payments abroad, subscriptions and recurring payments, and certain categories such as gambling or alcohol can each be limited.
A bank can also restrict payments in some merchant categories for security reasons or under the card’s rules.
Regional restrictions
A payment can be blocked if the merchant is in a region with special rules for your payment system. Cards don’t work inside countries with restrictions; you can see the list in the app before you buy a card.
Security checks
The security system blocks a payment when it looks unusual: an unexpected amount, a new merchant, a different country, several declines in a row, or a card used at an unusual place or time.
What to do if a payment is declined
- Check the card balance and details.
- Make sure the card is active and not blocked.
- Try again later, in case it was a temporary failure.
- Ask the merchant which payment methods they accept.
- Contact support in the app: Profile, then Support. Describe the problem and attach a screenshot of the failed payment.
If one merchant keeps declining the card, try another payment method or ask support to check the restrictions on your card.
FAQ
Why is my card declined when I have money on it?
The balance is only one check. The merchant may not accept the card type, the payment may be over a limit, or a security check may have stopped it. The transaction history in the app usually shows which one.
Why is my card declined online but works in shops?
Online payments, subscriptions and payments abroad can have their own rules on the merchant’s and the card’s side.
Can I pay for a service that declined my card with another Rumto card?
Yes. Each card has its own list of supported services, so another card may work. Compare the cards in the app before you buy.