Why was my card declined?

If a card purchase didn't go through, here's how to find out why and what to do next.

Find the declined transaction

1. Open the card and look for the transaction with a red Declined badge.
2. Click it to open the details.

Common reasons a card is declined

• Insufficient funds or budget — the amount is more than the card's available balance or budget.
• Limit exceeded — a daily, channel, or merchant limit was reached. See Card limits and budgets.
• Card is locked or inactive — the card is frozen, not yet activated (US), or KYC isn't complete (India).
• Policy violation — the purchase broke a spending policy.
• Expired card.
• Fraud protection — the transaction was flagged as risky.

If it was a policy violation

You can ask for an exception:

1. In the declined transaction's details, click Request Exception.
2. Choose the policy that applies (if more than one) and enter a business justification.
3. Click Submit Request. It goes to your compliance team's exception queue for review.

Still not sure why it was declined? Contact your administrator or support — see How do I contact support?.