Why are debit cards being declined?

Click For Summary

Discussion Overview

This thread explores the challenges and experiences related to the acceptance of debit cards in transactions, particularly focusing on instances where debit cards are declined. Participants share their personal experiences and insights regarding the reasons for declines and the implications of accepting debit versus credit cards.

Discussion Character

  • Anecdotal
  • Opinion-based
  • Technical explanation

Main Points Raised

  • One participant mentions having issues specifically with debit cards that have a Visa or Mastercard logo.
  • Another participant expresses that they would not stop accepting debit cards as some customers may not have credit cards.
  • Several users note that there can be confusion regarding the availability of funds in customer accounts at the time of the transaction.
  • One participant shares that there are various reasons for card declines, including incorrect expiration dates and fraud blocks, based on their experience in the financial sector.
  • Another participant states that they have not experienced issues with debit cards and prefer them over checks due to immediate feedback on fund availability.
  • One participant, identifying as a consultant, shares their preference for debit cards, citing that they provide quicker confirmation of funds compared to checks.
  • Another participant mentions that they are cautious about accepting checks and prefer debit cards for their reliability.

Areas of Agreement / Disagreement

Views differ on the reliability and acceptance of debit cards versus credit cards, with some participants advocating for debit cards while others express caution. No clear consensus emerges regarding whether to stop accepting debit cards.

Contextual Notes

Participants share experiences primarily from kitchen shows rather than online transactions, highlighting the practical implications of payment methods in their business practices.

Who May Find This Useful

Consultants within the community who are navigating payment acceptance and dealing with transaction issues may find the shared experiences and insights relevant.

redsoxgirl
redsoxgirl
Messages
1,484
All of the cards that I've had issues with are debit cards with a Visa or Mastercard logo on them.

Should I stop accepting these cards and only accept real credit cards??
 
What issues are you having? Not enough money in account? Personally I would not stop accepting them b/c some people don't have real credit cards. I also don't know if there is a way to stop accepting them through your PWS if you have one.
 
  • Thread starter
  • #3
Some people have told me there's plenty of money, others have told me there's money in it "now".

It's all from kitchen shows, none from PWS.
 
There's no way of knowing without seeing the card itself. They work just like 'real' credit cards up to the balance that's in the account - though most banks are quire happy to oblige a charge so they can overdraw the account and charge the customer for the overdraw AND NSF fees... yeah, fun. Yes, for many of us those are the way we make online purchases and such... but like with taking ANY credit card there's always a risk of it being declined for many reasons... including not enough balance. Just like real credit cards are declined for many reasons... including being overdrawn. Checks have a risk too... same risk as a debit card... really the only truly secure payment is cash.
 
sometimes when HO says its declined I call first ask for it to be manually run thru finance (veriphone) and it goes thru no problemI ALWAYS do that before calling the customer
 
  • Thread starter
  • #6
Anytime I've done that, it's declined again
 
then the customer doesn't have the $$$
 
WHY CREDIT OR DEBIT CARDS ARE DECLINED:

1.) Incorrect expiration date
2.) Customer gave wrong number/ Consultant entered wrong number
3.) Financial instituition requires CCV2 vefification
4.) Customer's card is blocked due to fraud
5.) Customer's card is blocked due to incorrect address
6.) Customer's card is blocked due to being lost/stolen
7.) Customer has no money!!!!

There are more but I can't think of any more at the moment. I worked in the ATM/Credit Card Department for 5 years at a financial institution, and while I was there I learned LOTS of information about declined cards, and I was suprised at the reasons why a card would come up as "declined"! So NEVER assume that the card is declined b/c the customer has no money! In my experience that is one of the least common reasons a card is declined! Hope you find this helpful!
 
Any time that I've taken a debit card it goes through no problem. My mom works at a bank and has told me that taking the debit card is better than a check because they cannot send back debit charges...if the customer doesn't have the money the back just charges the overdraft fees. i'm not sure if this is true for all banks or not, but it's true for both mine and my husband's.
 
ElizabethPurvis said:
Any time that I've taken a debit card it goes through no problem. My mom works at a bank and has told me that taking the debit card is better than a check because they cannot send back debit charges...if the customer doesn't have the money the back just charges the overdraft fees. i'm not sure if this is true for all banks or not, but it's true for both mine and my husband's.
Click to expand...

Yes this is true! I always tell my customers that I prefer debit cards... because if it is declined, or if the $ isn't there with a debit card at least you will know RIGHT AWAY, right after you submit the order to HO instead of having the check returned :grumpy: like a week later or so! Usually once the show has already shipped! That has happened to me twice- ugh.
 
I have never had an issue...
 
I would rather take someone's debit card than their check.I am WAY anal about checks ... I take them to the bank where they were drawn and verify funds and cash the check if I can. If my own family will bounce checks on me ... why not a stranger?I once purchased candles and the consultant called me to tell me there was a problem ... in the interim, I had upgraded to a new kind of debit card that gave me better points. I did not realize that invalidated the old card!I gave her the new number and we were good to go.Also ... I do not have ANY credit cards! Why would I hold a customer to a standard I cannot hold myself to, namely using a credit card and not a debit card?
 
bsaxman said:
WHY CREDIT OR DEBIT CARDS ARE DECLINED:

1.) Incorrect expiration date
2.) Customer gave wrong number/ Consultant entered wrong number
3.) Financial instituition requires CCV2 vefification
4.) Customer's card is blocked due to fraud
5.) Customer's card is blocked due to incorrect address
6.) Customer's card is blocked due to being lost/stolen
7.) Customer has no money!!!!

There are more but I can't think of any more at the moment. I worked in the ATM/Credit Card Department for 5 years at a financial institution, and while I was there I learned LOTS of information about declined cards, and I was suprised at the reasons why a card would come up as "declined"! So NEVER assume that the card is declined b/c the customer has no money! In my experience that is one of the least common reasons a card is declined! Hope you find this helpful!
Click to expand...

Add this to the list too...

If your customer has exceeded his/her debit limit for the day (some financial institutions limit the dollar amount debited per day, fraud preventtion).
 

Frequently Asked Questions

Why is my debit card being declined when I try to make a purchase?

Your debit card may be declined for several reasons, including insufficient funds in your account, a hold placed by your bank, or incorrect card information entered during the transaction. It's important to check your account balance and ensure that all details are entered correctly.

What should I do if my debit card is declined at checkout?

If your debit card is declined, first check your account balance and confirm that you have sufficient funds. If everything seems correct, contact your bank or card issuer to inquire about any holds or restrictions on your card. They can provide specific details regarding the decline.

Can a temporary hold on my account cause my debit card to be declined?

Yes, a temporary hold on your account can cause your debit card to be declined. Holds may occur due to pending transactions, such as hotel reservations or gas station purchases, which can temporarily reduce your available balance. Always check for any holds before making a purchase.

Why might my debit card be declined for online purchases?

Online purchases may be declined due to various reasons, such as incorrect billing information, restrictions on international transactions, or security measures implemented by your bank. Make sure that the billing address and other details match what your bank has on file.

Is there a limit on how much I can spend with my debit card?

Yes, many banks impose daily spending limits on debit cards to protect against fraud. If you attempt to make a purchase that exceeds this limit, your card may be declined. Check with your bank to understand your specific spending limits and any options to increase them if necessary.

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