Troubleshooting Spendesk Card Decline Issues in the USA
Spendesk cards can be used in the USA without specific restrictions, provided certain conditions are met. If you're experiencing issues with your Spendesk card being declined or not accepted, follow these troubleshooting steps to resolve the problem.
General Troubleshooting Steps
Verify Card Status: Ensure your card is activated. Check for sufficient funds in the associated wallet. Confirm that your card isn't blocked in the Cards section of your Spendesk app.
Verify Card Schedule: Your admin might have restricted specific time zones or time ranges.
Verify Payment Terminals: - Make sure the terminal is connected to the internet. - Ensure the terminal is set up correctly for international or corporate cards. - For in-store payment, carefully insert the card or use the swipe option, as applicable.
Check PIN or Authentication: - Ensure you are using the correct PIN. If it has been blocked due to multiple incorrect attempts, refer to the PIN section in your Spendesk app. - Users making online purchases should add their phone number to Spendesk to enable 3D Secure verification and authenticate via the Spendesk mobile app.
Merchant-Specific Restrictions
Some merchants or restaurants in the USA may only accept certain card types (e.g., credit vs. debit cards). This limitation is specific to the merchant's payment setup and not a Spendesk-specific restriction.
Verify that the merchant accepts Mastercard or Visa, as applicable for your Spendesk card.
In-Store Payments in the USA
For physical card payments in the USA:
Use any of the following methods: Insert your card and enter your PIN. Swipe the card through the terminal. Use contactless payment (applicable within set limits).
If the payment terminal still declines the card, ensure it is properly configured to accept Spendesk cards.
Additional Tips for International Usage
Always enable international payments on your Spendesk card.
Inform your finance team in advance of any significant transactions to avoid possible security flags.
If the Problem Persists
If none of the above steps resolve the issue, gather this information before contacting support:
The exact error message received.
Specify whether the issue occurs with a physical or virtual card.
Indicate whether the problem arises online or in-store.
Note the type of merchant experiencing the decline.