My card was declined

The most common reasons a payment is declined and how to fix each one.

3 min read

A decline almost always has a simple cause. Run through these in order:

Frozen card — check the Card page and unfreeze if needed.
Not enough balance — your available-to-spend is your USDC collateral; add money to top up.
Over a limit — the amount may exceed a per-transaction, daily or monthly cap.
Blocked category — a business card may restrict certain merchant categories (MCC).
Wrong card details — re-check the PAN, expiry and CVV for online payments.
Country / merchant risk — sanctioned regions and merchants flagged by Visa risk controls are blocked.

Recent activity shows each transaction — handy for spotting what went through and what did not.

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Still stuck? Open a ticket with the merchant name, amount, date/time and your card’s last 4 digits, and we can look up the exact decline reason.

Still need help?

Open a ticket — a human replies within 4 working hours.