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Why does it keep saying my card payment failed?
Why does it keep saying my card payment failed?

If you're having trouble paying with your card on Ramp, here's what to do and how to understand payment statuses.

Updated over a week ago

If you're encountering issues with your card payments on Ramp, there can be several reasons. Here’s a list of some of the most typical ones:

  • Your bank declines crypto transactions as it’s not crypto-friendly.

  • The bank card you are using doesn't support crypto purchases.

  • You exceeded your card's daily transaction limit or have insufficient funds.

  • You used an expired bank card.

Remember that problems sometimes come down to simple errors. To avoid them, please follow the tips below:

1. Double-check all information entered, including card details and CVV/CVC.

The CVV/CVC is a 3-digit number on the back of most bank cards (right next to the signature bar), which adds another layer of security when making online purchases.

Take your time and double-check that every piece of information entered is correct.

Sometimes, an error can occur from punching in the wrong card number, or other times it might be from exceeding your daily transaction limit.

2. Verify if the 3D Secure (3DS) is activated for your card.

The 3D Secure (3DS) asks customers to successfully verify their identity, which usually occurs right before paying. Then it’ll direct users to an authentication page to fill in a password sent to their phone.

If everything is fine with entering card details, then it might be that the 3D Secure isn't activated (if this does happen, try using another bank card from a different bank).

3. Check your online bank account.

Double-check your online banking to see if a debit on your account shows the crypto transaction amount. If nothing does show up, use a card from another bank with your name, and try again.

If you were debited but never received your crypto purchase, download a PDF (we don’t accept screenshots) of the payment confirmation and contact the support team at Ramp. The PDF should clearly show your full name, date, and the deduction amount (known as a Ramp Swaps).

4.Contact your bank.

We recommend directly contacting your bank if the issue persists across multiple transactions. At Ramp, when a bank refuses a transaction, we aren't given any details beyond a generic "declined" response; your bank will have all the information to fix this issue and help you activate your 3D Secure if not enabled.

5. If your payment failed but your account was charged:

In some cases, you may notice that your payment failed, yet your account was still charged. This discrepancy can occur due to the way banks process transactions.

Typically, when a payment fails, your bank may place a temporary hold on the funds, even though the transaction wasn't successful.

It's important to understand how your bank displays transactions on its app or website. Keep in mind that this process is managed by your bank, and we don't have control over it.

Payment failed:

Pending payment:

If you observe a transaction associated with your account, but receive a message that your payment failed, please be aware that it represents a temporary hold on funds initiated by your bank for security verification purposes.

Temporary fund holds are common banking procedures designed to ensure the security of your transactions. During this period, the funds are not removed from your account but are temporarily inaccessible.

Rest assured, these funds are expected to be automatically released back into your account shortly.

Transactions may show as "pending" due to the process of funds being transferred but not yet finalized. Pending transactions signify that a payment is in the process of being completed.

This status is typical for various transactions, including those made via debit or credit cards, which may initially appear as "pending" in your online banking platform or mobile app.

It's not uncommon for a charge to appear instead of a "pending" status, but there's no need for concern. Such funds are typically reinstated by your bank automatically.

Next Steps:

It's important to note that the exact timing of the refund process in such a situation may vary depending on your bank, as they are fully responsible for this process.

If your funds remain locked for more than 3 days, contact your bank directly for assistance.

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