❌ Why was my payment declined?

If your payment is declined, it doesn’t necessarily mean your card isn’t working.

Several reasons can explain a declined transaction.

💰 1. Insufficient balance

First, check your card balance.

You cannot pay an amount higher than your available balance.

Example:

If you have €10 on your card, you won’t be able to pay €15.

👉 Top up your card and try again.

ℹ️ Some merchants may temporarily block a card after a failed payment due to insufficient funds. This verification can last up to 7 days depending on the website.

📅 2. Expired card

If your card has expired, it can no longer be used for payments.

⌨️ 3. Incorrect card details

A payment may be declined if:

• card number is incorrect
• expiration date is wrong
• CVV is incorrect

👉 Guide:

How do I pay online with my KeeCard?

⏳ 4. Pending transactions

A pending transaction is a temporary authorization that hasn’t yet been fully settled.

As long as a pending amount exists, your actual available balance may be lower than what is displayed.

⏱️ Pending transactions usually clear within a few days (maximum around 10 days depending on the merchant).

👉 Learn more:

My payment is still pending

🚫 5. Restricted merchant

Some websites or service categories are not allowed.

👉 Full list:

Where can I use my KeeCash card?

🔒 6. Card blocked

If unusual or non-compliant activity is detected, your card may be blocked. In that case, payments will not be possible.

You can try unlocking it from your account first.

Block / Unblock my card

If the issue persists, please contact support.

🏦 7. “Issuer declined” message

If you see a message such as:

Issuer declined

this usually does not mean your card is invalid or blocked.

Payment platforms apply their own automated security rules.

A decline may happen if:

• the same card is used on multiple accounts
• several payments are attempted within a short time
• the card is removed and re-added
• your payment behavior suddenly changes

👉 In these cases, the block is triggered by the platform or payment network — not by KeeCash.

✅ Recommendations

To avoid declines:

• use a dedicated card per service
• avoid removing and re-adding a declined card
• create a new card if a website permanently blocks the current one

💡 Good to know

In most cases, a declined payment is caused by the merchant’s system — not by the card itself.

Updated on: 15/02/2026