Why is my gift card being declined?

Why Was My Transaction Declined?

If your transaction was declined, it could be due to certain restrictions on your Visa or Mastercard gift card. Below are some common reasons and limitations that may apply.

Common Restrictions on Your Visa and Mastercard Gift Card

1. Purchasing Other Gift Cards:
   • Using your current gift card to buy another gift card is prohibited by most merchants.
2. Fuel Purchases:
   • Fuel merchants may request a pre-authorization for an amount exceeding your card balance, leading to a decline.
3. Tipping at Restaurants and Salons:
   • When pre-authorizing for a tip, the total amount may exceed your card's balance. If the merchant adds an additional percentage, your transaction could be declined.
4. Pre-Authorization Exceeding Balance:
   • If a merchant requests a pre-authorization that surpasses the available balance, the transaction will be declined.
5. Cash Access:
   • Your card cannot be used for cash access, ATM transactions, or money services like Venmo.
6. Incorrect PIN:
   • Entering an incorrect PIN during a debit transaction will result in a decline.
7. International Use:
   • Your card is restricted to purchases and deliveries within the USA. Any attempt to use the card outside the country will be declined.
8. Merchant Decisions:
   • Merchants, particularly for online transactions, may decline your card for reasons beyond Gift Card Granny's control, such as internal policies.

Additional Information

For more details on transaction declines and restrictions, click here. Ensure that your card balance covers the full purchase amount, including any pre-authorization or additional charges, and verify the PIN and other transaction details to avoid declines.