When you want to buy something, you can now use the internet to pay for it. However, your bank card is refused at some point, and we are unsure of the source of the problem. There must be a reason why your bank refuses the internet transaction. Our team provides you with all the information you need.
Credit card remote purchase functionality is being disabled.
Bank cards, in general, have the advantage of being able to settle all online transactions. Banks use a security system to protect the use of their credit as a precaution. This is the remote purchasing feature. This function is disabled for the following reasons:
- Avoid deception.
- Stop credit cards from falling into the wrong hands.
- Increase the security of online banking payments.
If the agency has refused to use its credit card, access should be restored by requesting it. This process is completely free and is carried out right away to resolve this issue at the time of purchase.
On the other hand, when a customer orders a new card from his bank, this service may be discontinued. Aside from that, there are limits on his credit card to ensure better account management. That is, it is blocked once a certain amount is reached. It is then necessary to provide a fee to raise these ceilings.
Furthermore, if the establishment has refused this approach, a customer may have exceeded the withdrawal limits, which explains why his credit card has been blocked. When you recover your credit card, you must be aware of this limit.
This measure was implemented because online payment poses numerous risks. As a result, it is critical to adhere to the authorized limit before proceeding with the transactions.
Insufficient funds in his bank account
When a bank payment is blocked during an online purchase, it can cause several issues, such as exceeding the authorized limit. However, there are two other options:
- His account balance is negative.
- We’ve reached our authorized overdraft limit.
- We accidentally entered the secret code.
Before purchasing items from merchant sites, you should check your bank account to ensure that the requested amount is available. In the event of a financial emergency, it is best to:
- Make a transfer from a savings account to a checking account.
- Then proceed to credit card payment.
- Alternatively, use another payment method to make purchases.
To avoid such an inconvenience, it is always best to check your balance before ordering items from a merchant site or using another payment method.
Opposition to your credit card in the event of theft or loss
The bank’s refusal to accept an internet payment can also be explained by his credit card’s opposition, the reasons for which are related to its loss or theft. When you refuse your credit card, likely, you will no longer be able to pay the amount requested during a purchase, aside from the limit that you have exceeded.
As a result, even if he later finds his lost card, it is no longer usable once the opposition is made. For the procedure:
- You must dispose of the CB in the garbage.
- Request the bank.
- Wait 15 days before applying for a new credit card.
- Pay for your purchase using another method.
Error when entering your CB number
If you are unable to pay for your purchases on a merchant website, you may have entered incorrect bank account numbers. The operation would then have to be repeated for the internet payment to be validated.
It is still critical to adhere to the procedure:
- Access your Customer Area.
- Fill the basket with items.
- Validate all of the terms of sale.
- Carefully retype the numbers.
- Validate the input and wait for a response.
In general, you must enter the 16 digits visible on the front of your credit card. It is only left to communicate the expiry date, which is four digits. This expiry date is required for the procedure to be validated. Other information, however, is also useful.
Finally, on the back of the credit card, there is a 3-digit pictogram. It needs to be entered into the merchant’s website.
After entering all of this information, you will be able to pay with your bank card over the internet and without restriction.
A problem also arises if the CB or credit has passed its expiration date. It’s usually near the bottom, just above his first and last name. If it then expires, payment for its purchases will be automatically refused. To confront this, it is suggested that you:
- Go to the bank.
- Bring your identification and account number.
- Request that a new credit card is issued.
- To activate your credit card, make a withdrawal from the distributor or a merchant.
If his credit card is still refused, it is almost certainly because he forgot to make a withdrawal. All you have to do now is restart the online payment.
A Wrong PIN
Your credit card’s confidential code is required for online payment. It will be refused and deactivated after three attempts. This means that if a code error occurs after three attempts, it can no longer be used and is blocked immediately. Hence the problem with accessing your account.
This code is a security measure to prevent fraud and other access problems. The only way to recover your credit card is to get another one from the bank. But to avoid such an error the next time, it is advisable to contact his bank so that he can re-edit the secret code.
It should be noted that if you also have an authorization card, internet transactions may fail. If the payment ceiling is exceeded, this is also the case.
His online payment was refused voluntarily by the bank.
When it comes to online purchases, this happens all the time. The refusal of payment via the Internet is due to the risks of fraud or hacking, or an exceeded ceiling. If the online establishment has refused the payments, it will be necessary to request access authorization.
To strengthen security and avoid this issue, Google has implemented a credit card protection system known as 2-factor authentication. This system is also used for internet banking payments.
Google’s 2-factor authentication requires you to:
- Secure access to bank accounts.
- For transactions over 30 euros and risky payments, validate your identity in two steps.
- Protect yourself from the threat of hacking.
When you use the same password for multiple online stores, double authentication is required.
Looking forward to the Payment Gateway work and its usefulness Digital Payment Guru helps you to identify the Best Payment Gateway for your business.