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.
Complete 3D Secure verification
Make sure your phone number is verified and complete any 3DS prompt when asked.
Retry the payment
Once you've checked the above, retry the payment with the merchant.
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.