There are several causes why you are unable to use your card in online purchases, Casey.
Here are the following:
- Incorrect Card Details (Card number, Expiry date, incorrect security pin)
- Insufficient Funds or Spending Limits, even if your card works in stores, online transactions could fail if: (the account does not have enough funds or there's a daily or per-transaction limit for online purchases)
- Fraud Protection or Bank Flag could be due to you’re shopping with a new merchant/store, or the transaction is outside your regular spending patterns
- Card Type Not Accepted, as some only accept certain types of cards (e.g., VISA, MASTERCARD, AMEX, etc.)
- Expired Card or Activation Issue, (ensure to check the card's expiration date or if the card is already activated for online/ physical purchases)
- Bank maintenance where you're unable to use the card for the meantime.
If you're using QuickBooks Payments and a card payment is rejected, you will receive an email notification. This email will include a reference code (R##) along with a description of the rejection reason and instructions on how to resolve the issue.
You can find the meanings of the codes, reasons for rejection, and steps to fix them by visiting these resources:
In case you need guidance throughout the process, I recommend contacting our Payments Live Support team. They have the expertise to provide you with the specific reason for the problem and will outline the requirements needed to address this promptly in a secure environment.
Please leave us a response if you have other questions or need further assistance.
