If your Spendesk virtual card payment is declined, this article helps you find the cause and fix it.
For: All Spendesk cardholders using a virtual card on any plan.
Symptoms
Your virtual card payment is declined at checkout.
Causes
Insufficient card budget.
Incorrect card details entered.
Missing 3D Secure (3DS) verification.
Solutions
Check your card budget
Open your card in the Cards tab and confirm you have enough budget for the purchase.
Confirm your card details
Make sure the card number, expiry date, and CVV entered at checkout exactly match your card details. Also, ensure the billing address matches the one associated with your Spendesk account.
Complete 3D Secure verification
Make sure your phone number is verified and complete any 3DS prompt when asked. If issues persist, try reinstalling the Spendesk app or restarting your phone to resolve authentication problems.
Retry the payment
Once you've checked the above, retry the payment with the merchant.
Check merchant restrictions
Confirm whether the merchant accepts single-use virtual cards or cards issued in specific countries.
Be aware that some merchants may require up to double the transaction amount for pre-authorization holds.
Contact the merchant to verify if they block certain card types or issuers.
Resolve push notification or payment confirmation issues
Uninstall the Spendesk app from your mobile device.
Reinstall the latest version from the app store.
Log in and try again to resolve notification or display issues.
Device-specific authentication solutions
Uninstall the Spendesk app.
Reinstall it from the app store.
Log in and follow the on-screen steps to set a new security code. This re-enrolls your device for secure authentication.
When to contact support
Contact Spendesk support if the payment still fails after checking your budget, card details, and 3DS verification.
FAQ
Can I retry a declined virtual card payment immediately?
Yes, a declined payment doesn't use up your card's budget, so you can retry right away.