Credit card declined when trying to pay over phone

ThinWhiteDuke

Second time this has happened and very embarrassing,  plenty of credit available.  Is there a way to set an authorisation for a business I want to pay BEFORE they decline my payment as I'm not present ?

[Deleted User]

It varies by card provider and risk profile, does your bank require authentication via app for example?

Waniciala

I had the same problem. You have to contact the bank.

ThinWhiteDuke

Thanks for replies, checked on my card features but doesn't include this. Guess I'll have to wade through the various ways of contacting them to see if it's possible.

born_again

ThinWhiteDuke said:

Second time this has happened and very embarrassing,  plenty of credit available.  Is there a way to set an authorisation for a business I want to pay BEFORE they decline my payment as I'm not present ?

There is No way to pre auth a card payment. Even telling them you are making the payment does not stop the security system from blocking the payment if it hits the criteria.
My guess is retailer is entering the details wrong. Maybe doing in a way that the bank does not like (swiped) instead of card not present.
You need to ring bank & find out if they have declined the transaction, or the retailer has a issue at their end with the connection.

No need to be embarrassed. Retailer will not be bothered. They will see it all the time.

Chrysalis

Is security checks, some card providers are very cautious, and some retailers are deemed higher risk.

As an example my paypal business debit card is now near useless, it security check fails when I try to use it on supermarket orders which is ridiculous.

Overclockers uk seems to be marked as a high risk retailer, whatever card I use there, it always gets declined, I ring up and am told it was a high risk transaction and blocked.  I now pay on there via amazon pay.