in Declined by Issuer? See Why & How To Fix It

default image

Having your card declined on can be incredibly frustrating. As someone who uses daily, I totally get it – you‘re excited to start trading or purchase some hot new crypto assets, only to get that dreaded "declined by issuer" message. Not cool!

But don‘t worry, friend. I‘ve been there and can walk you through the main reasons your card might get declined on More importantly, I‘ll share tips on how to fix declined card issues so you can get back to buying and trading crypto seamlessly.

Stick with me, and you‘ll be a declined card expert in no time!

Why Do Credit Cards Get Declined on Crypto Exchanges?

Before jumping into specific issues, let‘s do a quick rundown on why card declines happen generally on crypto platforms.

When you go to fund your account with a credit or debit card, the exchange acts as a merchant. They send your card details to the issuing bank or card network (Visa, Mastercard, etc) to authorize the transaction.

The issuer will decline the transaction if:

  • Your card details are incorrect
  • Your account lacks sufficient funds
  • There are suspected fraud triggers
  • Technical errors or maintenance issues on their end

So in essence, the decline happens even before reaching‘s servers. The exchange simply passes along the decline message from the card issuer.

This is important context for understanding the different root causes of card declines. Now let‘s look at some specific reasons and fixes!

Why Your Card Gets Declined on

Based on my own experience and scouring crypto forums, there are four main reasons your card might get declined on

1. Technical Issues at the Card Issuer

Don‘t be too quick to assume the decline is‘s fault! Many times, there are temporary technical problems or maintenance happening on the card issuer‘s servers.

I can‘t count how many times my transactions were declined due to a brief outage at my bank. Annoying!

The Fix: Wait a bit and try again later. Most issuer technical problems clear up within a few hours max.

2. Entered Card Details Incorrectly

Humans make typos! It‘s easy to fat finger or reverse a couple digits when hastily entering your card number, expiration date, or CVV code.

Small errors like this will trigger an instant decline from the issuer.

The Fix: Slow down and triple check you entered all card details 100% accurately before submitting.

3. Insufficient Funds in Bank Account

Just like at a store, your debit card will be declined if your bank account balance is lower than the transaction amount. Embarrassing when trying to impress friends with your crypto trading skills!

The Fix: Deposit funds into your bank account associated with the debit card to top up your balance.

4. Suspected Fraud Trigger

If the card issuer detects suspicious transaction patterns, they may temporarily freeze your card. Their algorithms look for rapid bursts of transactions, unfamiliar purchase locations, new linked devices, and other red flags.

The Fix: Call your card issuer to verify your identity and request they unfreeze your card.

Troubleshooting Tips to Fix Card Declines

Based on the common decline reasons we just covered, here are some troubleshooting tips to get your card working again:

  • Wait 15-30 minutes – Issuer technical problems often resolve themselves quickly. Give it some time.

  • Double check card details – Verify you entered everything perfectly. Copy-paste if you can.

  • Try lower amount – Large transaction amounts can trigger fraud alerts. Try a smaller purchase first.

  • Use different card – Eliminate any issues being tied to one specific card.

  • Top up bank balance – Check your bank account balance and add funds if needed.

  • Call card issuer – Ask them to review recent decline(s) and remove any suspected fraud holds.

  • Contact support – If all else fails, reach out to their customer support team via chat or email.

With a bit of diligence, you should get to the bottom of any card decline issues. Don‘t let it block you from seamless crypto trading!

Common Questions about Card Declines

Let‘s go over some frequently asked questions about dealing with declined cards on

Why does my card keep getting declined on

  • Multiple declines likely indicate an issuer fraud alert or freeze. Call your card company to have this removed.

Are card declines common on

  • Declines do happen but are not inherently common if you enter details correctly and have sufficient funds.

Does have purchasing limits?

  • Yes, purchase amounts are limited based on your account verification level. These range from $2,500 per day for Level 1 up to $1 million per day for Level 5.

Does accept PayPal?

  • At this time PayPal cannot be directly linked to fund purchases. You need to use a debit or credit card.

What is the Pay Merchant service?

  • This is a payment gateway developed by to allow merchants globally to accept crypto payments easily.

The Bottom Line on Card Declines

Don‘t let a declined card stand in the way of you accessing the exciting world of crypto. Now that you know the major reasons for card declines and have troubleshooting tips, you can get back on track quickly.

Double check details, give issuers a bit to resolve hiccups on their end, and don‘t hesitate to call support if problems persist. With a systematic approach, you‘ll be all set to buy and trade on hassle-free!


Written by Alexis Kestler

A female web designer and programmer - Now is a 36-year IT professional with over 15 years of experience living in NorCal. I enjoy keeping my feet wet in the world of technology through reading, working, and researching topics that pique my interest.