Why was my card declined?

If your card payment was declined, don’t worry, it’s usually something simple. Here's how to check what happened and what you can do to resolve it.

How to check the decline reason

• You’ll usually get a mobile app notification explaining why the transaction was declined.
• Open the Soldo mobile or web app and look for the red “Declined” label on the transaction.
• Tap the transaction to see more details about why it failed.

Common reasons for card declines

Not enough funds

Your wallet may not have enough funds to cover the payment.

• Check your available balance in the Cards section of the app.
• You can request more funds if needed.

Contactless limit reached

After a number of consecutive contactless payments, you’ll need to use chip and PIN before you can tap again.

• Insert your card and enter your PIN to reset the contactless limit.
• Need a reminder? View your PIN in the app.

Incorrect PIN

If you enter the wrong PIN three times, your card will be locked.

• You can request to unlock your card.
• Check your PIN in the web and mobile apps at anytime.

Card or wallet limits

Your company might set limits on spending types, amounts, or countries.

• Check the rules that have bene applied to your card.
• If unsure, check with your admin or manager.

Card not activated, expired or blocked

• If your card has expired or is inactive, it won't work until replaced or activated.
• Check your card status in the app. If it’s blocked, you may be able to unblock it yourself.

Need help with a specific transaction?

If you’ve checked the above and still need help:

• Tap on the declined transaction in the mobile app.
• Scroll down and tap Having issues? Tell us.
• Select Declined payment then select Report declined payment.