Several reasons may result in a card decline.
Mesh sends dedicated notifications for each declined transaction, helping customers understand what needs to be done to complete transactions successfully.
A few possible decline reasons and ways to correct them are listed below:
1. Incorrect payment information: an error typing/entering the correct card's information (e.g., CVV, expiration date, Zip Code, card PIN code, 3DS code, etc.). Note: Some are needed for card present (in-person purchases) and others for card not present (online purchases).
- Check your card's information and try again.
2. A malfunctioning merchant hardware (e.g., POS) that is unable to read the Mesh Plug & Payâ„¢ physical card (e.g., chip or magnetic strip), or the details of a virtual card when tapping your phone (i.e., digital wallet) and using the NFC protocol.
- Try again or purchase the product/service online from the same merchant.
3. A transaction amount that is higher than the remaining balance on your card.
- Check your card's balance and issue a Card edit request to change the card's amount limitation.
4. A transaction amount that is higher than the remaining balance on the budget that the card is connected to.
- Contact your Mesh Admin and ask to edit the budget.
5. A transaction amount that is larger than the remaining balance for your company.
- Contact your Mesh Admin and advise to add funds (i.e., Load a Balance) to the account.
6. An expired or deactivated card: A card that expired or was suspended or canceled.
- Check the card's status and ask your Admin to reactivate your suspend card. Note a canceled card can not be reactivated. Request a new card.
7. A restriction (e.g., max amount per transaction or restriction to a certain currency) on the card that your Admin set
- Contact your Mesh Admin and ask to change the card's limitation.
8. An attempt to transact with a card that is limited to a merchant or a certain Merchant Category Code (e.g., trying to purchase an item at Target with a card restricted to gas dispensaries).
- Request a new virtual card.
9. A transaction that the card network flagged as risky or fraudulent and therefore declined.
- Contact our support via email at support@meshpayments.com
10. A merchant that does not accept the Mesh card payment (e.g., a Tourist card).
- Contact our support via email at support@meshpayments.com
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