There are several reasons why a card transaction might fail. Below are the most common ones and how to avoid them:
1. Insufficient Funds
Your card must have enough balance to cover the transaction amount plus a $0.50 transaction fee. If your payment fails, check your balance and ensure you have enough funds before trying again.
Note: If your card transaction fails four (4) times due to insufficient funds within 48 hours, your card will be temporarily frozen. You can unfreeze it using the app. However, if your payment fails two more times after unfreezing, your card may be permanently deactivated.
2. Incorrect Card Details
If the card number, expiration date, or CVV are entered incorrectly, the transaction will fail. Always double-check your details before proceeding.
3. Incorrect Billing Address
You have two billing addresses associated with your Raenest USD virtual card:
A U.S. billing address
Your home country billing address
You can use either address to complete your payment, but make sure you're entering the correct postal code. You can find both addresses and the correct postal codes under Billing Address Info on the Cards page. For more details on billing addresses, check out our blog post here.
4. Daily or Monthly Spending Limits Reached
If you've hit your daily or monthly spending limit, your transaction will be declined. If you need an increased limit, please contact our support team.
5. Technical Issues
Sometimes, technical issues with the merchant's system, payment network, or the card provider can cause a transaction to fail. If this happens, try again later or contact support.
6. Restricted Websites
Your Raenest USD virtual card cannot be used for transactions related to:
❌ Gambling
❌ Money send
❌ Adult content
If the transaction falls under a restricted category, it will be automatically declined.
7. Restricted Countries
Transactions may be declined in the following countries due to restrictions: Transactions may be declined in certain countries, including Belarus, Crimea, Cuba, Iran, Cyprus, Lebanon, North Korea, Libya, Myanmar, Russia, Syria, Venezuela, and Zimbabwe.
If your transaction fails and you’re unsure why, check your balance, billing address, and card details first. If the issue persists, our support team is happy to assist.