If a virtual card payment fails authorization, this article explains the common causes and how to resolve them.
For: All Spendesk cardholders using virtual or physical cards.
Before you start
Have your card details and the failed transaction amount ready.
Symptoms
A payment authorization fails or is declined.
Causes
Insufficient card budget.
3D Secure (3DS) authentication wasn't completed.
Incorrect card details entered at checkout.
Resolution
Check your card's available budget.
Complete 3DS verification if prompted.
Confirm the card number, expiry date, and CVV match exactly.
When to contact support
Contact Spendesk support if the issue continues after checking your budget, 3DS, and card details.
FAQ
Why does my card keep failing 3DS verification?
Make sure your phone number is verified in your Spendesk profile and that you complete the prompt promptly.