5 Ways To Fix Credit And Debit Cards Not Working For Online Shopping

Having trouble making payments with your debit or credit card online or at e-commerce sites? Well, this is a common issue when users have reported a declined transaction or payment errors while trying to make a payment from their bank card. If you have any such issues, don't worry, we've got you covered. Here are five quick ways to correct credit and debit card transactions not working for online purchases.

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Fix credit and debit card not working for online purchases

Your credit or debit card can fail during payments for several reasons: online transactions are not enabled, international use is disabled, or maybe you have exceeded your daily limits. Either way, below is how you can troubleshoot failed credit and debit card transactions.

1. Activate online transactions (national / international)

In accordance with recent RBI guidelines, bank-issued debit and credit cards, by default, are only enabled for domestic transactions at ATMs and point-of-sale terminals. Online transactions are disabled unless you enable them manually, whether domestic or international.

So if you have a new card or haven't done an online transaction with your card yet, chances are it has been deactivated for online use. This is done to protect people from unauthorized online transactions.

You can manually activate online transactions by SMS or customer service, or from your bank's mobile application and online banking. The process of enabling or disabling online transactions depends on your bank. However, below is a basic guide that you can follow on your own.

1. Visit your bank's online banking portal.
2. Log in with your account credentials.
3. To go to the Manage cards or Debit Card / Credit Card section.
4. Here go to Card controls.
5. Enable checks for domestic online transactions.
6. Likewise, enable international use if you want to use it for international transactions.

If you pay with your card on subscription services that follow recurring or automatic payments like Netflix, Spotify, or Prime Video, you will need to enable international transactions on your card. Otherwise, the transaction will not go through. This function is generally not available on RuPay cards; try using VISA or MasterCard instead.

2. Have you reached your transaction limits?

All credit and debit cards have certain limits on the maximum amount and daily transactions. If you try to make transactions for amounts greater than these limits, your card will automatically be declined and the payment will fail.

So check the daily limit available on your card and the maximum amount limit in your bank's banking or mobile application.

1. Go to your bank's online banking portal and log into your account.
2. To go to the Manage cards or Debit Card / Credit Card section.
3. Here look for Card controls.
4. Check the maximum online transaction limit for your card.
5. You can increase it if necessary. In the case of debit cards, the maximum limit depends on your account and your card variant.

3. Check the granular map controls

Most banks offer granular card checks, allowing you to turn them on or off for a particular type of transaction. For example, ICICI Bank allows you to control transactions individually for merchant points of sale, ATM withdrawals, online payments, Tap and Pay, and international usage.

Your card can be activated for international use, but not for online payments or merchants. This could cause a transaction failure during these types of payments. So, head to your mobile app or online banking, navigate to the Manage Card section and check by transaction status as well as the limit.

4. Your bank might be suspicious of the transaction.

For security reasons, banks usually refuse any transaction that looks suspicious or that doesn't fit your normal spending or withdrawal habits. This can happen if you are trying to complete a large transaction after a very long time or for the first time with your debit card.

The bank will usually call you for confirmation of the transaction, asking if you really made the payment or transaction. You can also call the bank beforehand to make sure they are not blocking or refusing payment.

5. Additional Tips for Correcting Online Credit / Debit Card Transaction Failures

• Check the card information entered - number, expiration date and CVV should be correct.
• Make sure you are using the correct type of card - using a debit card at a credit card terminal or a national Rupay card for international payments will not work.
• Check if your bank's servers are having problems or are undergoing maintenance.
• Have you blocked your card? Check if it is blocked or disabled.
• All cards come with an expiration date, after which the card issuer usually sends you a replacement card with a new expiration date. Check if your card is expired.
• If you don't have enough funds in your account (for debit cards) or a credit limit on your credit card, the banks will decline the transaction. They may also charge you a fee in this case.

Packaging - Credit / Debit Card (Solved) not working for online purchases

These are quick ways to solve the problem of debit and credit card transactions not working online. Hope you can now understand and resolve the issue causing your card transactions to fail. Always be careful and follow the necessary steps to protect your card from unauthorized use online. Stay tuned for more articles like this.