If your Spendesk card didn't work at a point-of-sale (POS) terminal, this article explains the most common causes and how to fix them quickly.
For: All Spendesk cardholders.
Before you start
Check that you have enough budget on your card before retrying.
Make sure you're using the correct PIN.
Symptoms
Your card was declined at a physical payment terminal.
The terminal displayed an error or asked you to try another card.
Causes
Insufficient budget on the card.
Incorrect PIN entered.
The merchant's terminal doesn't support contactless or chip payments correctly.
The card is blocked.
Resolution
Check your card's available budget in the Cards tab and top it up if needed.
Confirm your PIN in the Spendesk mobile app and retry with chip and PIN instead of contactless.
Check that your card isn't blocked.
Try another payment terminal or ask the merchant to retry the transaction manually.
When to contact support
Contact Spendesk support if your card still doesn't work after checking your budget, PIN, and block status.
FAQ
Why does my card work online but not in person?
Online and in-person payments use different verification methods. Check your PIN and card budget if in-person payments fail.