Your card was declined by the issuing bank (Explained)

You tried to make a payment online, and suddenly you saw your card was declined by the issuing bank on your screen, you tried it again and again still the same error message displays on your screen.

It can be so painful and I understand the feeling especially if the card is the only card you have with you. This very statement is very popular with PayPal and other online platforms.

There are issues that hinders using a debit card or credit card to make a payment online, and that is what I will explain on this post. The reason why you’re getting card declined while making payment online.

What your card was declined by the issuing bank means

This means your card issuer stopped the payment from going through, and it may be caused by an insufficient funds, frozen account, invalid or expired card, or card limit has been exceeded.

There are so many reasons which causes this error message of your card was declined by the issuing bank, and I will explain them of after the other as I have experienced such while trying to make payment using my PayPal account.

When you have problem making payments online using your debit card or credit card, don’t hesitate to contact your bank or your card issuer. 

1. The card doesn’t support online payment

This was my case, my bank blocked my debit card from making payment online and requested I should upgrade the debit card in order to continue making payments online through my bank account.

your card was declined by the issuing bank

The debit card they issued to me was no longer valid for online payments, so I had to get a new one and everything started working properly.

I was able to make payment with my new debit card linked to my bank account.

Whenever you see payment error or this very type of your card was declined by the issuing bank, you shouldn’t hesitate to contact your bank or your card issuer and explain your situation. They will run a check on your account and provide you with the solution.

2. Daily or monthly limit exceeded

Another major causes of card declined on payment is having exceeded the daily or monthly card limit.

Many a time, card users doesn’t know about the limits imposed on their card, and seeing this type of error message you may think something has gone wrong with your debit card or credit card, and not knowing that you have exceeded the limit.

When a card user exceeds the daily or monthly limit, there’s nothing the person will do other than to wait for the next month or probably use another card in making the payment.

If your daily or monthly card limit is too low and frustrating, you should contact your bank or card issuer to increase the limit for you.

For example, your debit card or credit card limit is $1k and you want to make a payment above $1k, kindly contact your card issuer and ask if there is an option to increase the limit.

Banks or card issuer’s always have the option to increase their customers daily or monthly limit.

When you see your card was declined by the issuing bank while trying to make a payment online, it may be that you have exceeded the daily or monthly limit. It is good to know your card limit especially if you’re fond of making payments online.


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3. Bank account is frozen

A frozen bank account is another reason that prevents a payment from going through, and most times the person will not know until he or she contact the bank.

As long as a bank account is frozen, all the debit cards or credit cards linked to the account will be frozen as well cause debit transactions will never go through.

This is very popular and I’ve seen this happen.

Someone was trying to make a payment online and it didn’t go through after several tries, the person had to contact the bank and was told his account was frozen because a creditor levied or garnished the account.

In this type of scenario you will never know until you contact your bank.

While trying to make payment online and you saw your card was declined by the issuing bank on your screen, it may be that your bank account has been frozen.

If you know you have money in your bank account, you have not exceeded the daily or monthly limit, contact your bank or card issuer to know what is causing the problem on your card.

4. Invalid card information

Invalid card information includes the card number, the card cvv and the card name.

This is quite rare cause if the card belong to you, you should know your card information which usually comprises of the card name, card number, expiry date and the cvv.

However, if you keep getting your card was declined by the issuing bank, please try to cross check the card information you entered and be sure they are very much correct and correspond with the information on your debit card or credit card.

5. The card has expired

This usually happens though very rare cause debit card or credit card expiry date is written on the front of the card.

However, you will see some number of persons that will try to use an expired card to make payment online, and to see if it will go through.

They will tell you they have funds in their account so the payment supposed to go through.

If you have a expired debit card or credit card, forget about using the card to make payment or even any debit transaction until you renew your card. No matter how hard you try and even if you have funds, you can never use your card to make a debit transaction.

6. Insufficient Funds

Another popular reason that may cause your card was declined by the issuing bank while you’re trying to make payment using your debit card or credit card.

Insufficient funds doesn’t necessarily mean having $0.00 in your bank account, but rather the money in your account is not sufficient enough to make the payment.

For example, you want to make a payment of $1299 and the money in your bank account is $1301.

As you wanted to make the payment you didn’t know about the payment charges which is $2 depending on your financial institution. There’s no way the payment will go through because there’s no money in your bank account for the payment charges.

$0.01 can make your payment become insufficient and it has happened to me which I was indeed surprised cause I couldn’t believe $0.01 will make my payment to be insufficient.

So if you want to make a payment of $1299, try to find your bank account with at least $1350 to be on the safer side.

Once your account is in good standing and you have funds in your account, there’s no way you will experience the payment error of your card was declined by the issuing bank, unless you bank or card issuer blocked the transaction from going through.

7. Card doesn’t support payment platform

It not all debit cards or credit cards that supports all payment platforms especially when it comes to international online payment.

This case can be so frustrating especially if you’re in a country that restricts international online payment using any of the payment platforms like the PayPal, cash app, zelle, etc.

This is same with card being blocked from making payments online especially when it comes to international payments.

Sometimes banks and card issuer will not tell you about this until you tried to make payments and it fails, then they will be be like;

We are sorry you cannot use your card for international payments.

Paypal your card was declined by the issuing bank

This is caused if the bank or the card issuer blocked your card from being linked to PayPal or to be used in making payments with PayPal.

It may be caused by a blocked debit card or credit card, frozen bank account, insufficient account balance, invalid card information or expired debit card or credit card.

And also if you have exceeded the daily or monthly card limit. However, most time you see paypal your card was declined by the issuing bank while trying to link your card to PayPal is caused by your card being blocked from using PayPal.

In this type of case you need to contact your bank, lay down your complaint and see what they will tell you that is causing the problem of not being able to link your card to your PayPal account.


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So if you see your card was declined by the issuing bank while using your debit card or your credit card, contact your card issuer and let them run a check on your account and tell you what is causing the problem on your debit card or credit card. From there you will know the next step to take in resolving the problem.

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