We’ve compiled a list of the 9 top reasons your debit card could be declined, and how you can avoid this uncomfortable situation in the future. 2. I de-link my card and try to connect again and now it doesn’t even work. The Card is the property of BDO and BDO may at anytime, without prior notice and without the need to give any reason therefore, terminate the use of, cancel, repossess or decline to issue, renew or replace the Card. A pre-paid or reloadable debit card is a choice for you if you would like to manage your costs and handle your financial resources. u/EngrMoo. Good that I had cash on hand and I avoided a more humiliating experience. This often happens when you enter an incorrect PIN at an ATM more than a few times. My bdo card was link for the past years and it does not have an issue. Credit cards, prepaid and/or reloadable cards (including the GCash MasterCard) cannot be enrolled in the GCash App. Sometimes, after a recent move, the information may take longer to be updated. Been using BDO via Paypal fo more than a year now. Based on the article, you have to call their domestic toll-free number 1 800 10 6318000 to WHITELIST the apps. If you have had a transaction with your debit card declined, please check the following: Check the expiry date of your card. Ive been using my paypal linked to my debit card for years and its only now i got this problem. Now once, You’re done choosing the right credit card for you, It’s time to check what is required to get a BDO Credit Card.The basic requirements contain the age that has to be above 21 and below 70 when the BDO credit card expires. If you’re wondering, why is my debit card declined when I have money in the bank, we’ll get to that too. It says card declined ? Now, I have already withdrew the money to my bdo "bank account" I linked (I have an ATM by the way) and the status is complete but there is a remark under the bank which says "checking xxbankaccount". This is the most common cause of a debit card being declined, and one that you can easily avoid by keeping careful track of your spending money. Same issue today. There are several causes of a declined ATM debit card by the machine. This transaction has been declined." Is it possible that my card is being denied because I registered it with another email address previously and unfortunately i had to close that yahoo email address because it was infiltrated? Credit/Debit Card Issues If you are having issues with your credit/debit card, please try the following: Make sure you are entering all of your card details correctly into the fields; If you are sure you've entered the information correctly, please call the card company to find out what they have on file. This is a convenient and secure way to make your overseas purchases and ATM withdrawals. contact bdo because it's their product and maybe they have a solution. In this article, we will look into different reasons why your debit card declined and we will also discuss how to avoid this from happening in the future. You don’t have enough funds. Debit cards are often declined for suspicious activity. Problem could be their system as the other comments suggested. I go to the bank and they say that everything fine from their side. BDO may cause the ATM to retain the Card automatically or suspend any services at anytime without notice to the Cardholder. We’ve compiled a list of the 9 top reasons your debit card could be declined, and how you can avoid this uncomfortable situation in the future. And we don't even have a clue why. I have used my Debit Mastercard regularly to do online shopping. Having your credit card declined is always a possibility. Last time , 2 month ago , it was rejected , and yesterday success , what is to understand??? These are many reasons why your debit card got declined, we’ll get into all of them. What to do: Check your card statement to ensure both addresses match. I'm using my BDO debit card as my mode of payment in any store here in kuwait, ask ko lang magkano ang swiping fee per transaction? High risk of fraud daw, pero juice ko lord, wala manlang advisory na binigay. To protect your privacy, your debit or credit card company or card issuer doesn't tell PayPal why your card was declined. I run debit cards the same as I do a credit card, but they are always declined. Your card type may not be accepted, is expired, or may have been flagged for suspicious activity. 5 months ago. You’ve inadvertently exceeded the limit on your card. or "The transaction has been declined. I need help with this please if anyone can? If your debit card hasn't expired but it isn't working, there's a bunch or reasons why it might be declining. Credit cards can be declined for a number of reasons. Your account has insufficient funds. Contact bdo. Suddenly it is not working for two days now. ©1999-2021 PayPal, Inc. All rights reserved. I have the new emv debit atm card. Someone will ask, “why is my credit or debit card been declined when I have money in my account?” Well, let’s find the answers to these questions together. The payment is larger than the maximum transaction allowed for your account. Cookies help us customize the PayPal Community for you, and some are necessary to make our site work. You should also verify the right pin was used, money is available, and the card is still active. Reasons Why Your Card Declined . Welcome! Simula ‘to nung upgrade nila ng holy week. I tried calling BDO's phone banking line and all that app blocking stuff is useless. While it may be very embarrassing when it happens in-store, it's good to know that bank declined transactions are common. A duplicate transaction has been submitted." A pre-paid or reloadable debit card is a choice for you if you would like to manage your costs and handle your financial resources. They couldnt find any issues. Im confused. Common issues. why is this ? It is a's if my service from Standard Bank have been downgraded. Why is my credit card getting declined? Your card issuer or bank has more information. BDO Debit Card declined. Especially for Google Play. In this article, we will look into different reasons why your debit card declined and we will also discuss how to avoid this from happening in the future. Working , not working , then working again , so far so good for almost 1 year...When i can't use paypal , i use the card directly. Nonetheless, you may still be able to proceed with the transaction if you have overdraft protection. Why is my debit card declined? My Credit/Debit Card keeps getting declined. There can be a few different reasons why a Credit/Debit card may be rejected by our payment processor. Tumawag din ako pero wala siyang nabanggit na the whitelisting lasts for 24 hours only. The best why was my debit card declined we examined is Mango, which made the Gold Award due to the fact that it uses the greatest cost savings account and a range of methods for you to fill cash onto the card. Oct. 18, 2011 – I was in Stockton, California trying to purchase something in Costco and the debit transaction using my BDO ATM card was declined. If my Debit Mastercard cannot do online purchases why was I able to do it previously. However, just like when using credit cards, sometimes the merchant can decline your transaction when you insert your card. Via BDO Online Banking: 1. Use paymaya for online shopping. Debit card is declined though there's money in the account . By browsing this website, you consent to the use of cookies. Airbnb generally isn't notified of the specific reason. Or I guess BDO is and will always be useless. Damn, I’m having the same issue but with Grab naman. Click the Card Security Management button at the upper right portion of the home screen or the Security Management option in the My Accounts menu. Your BDO Kabayan ATM Debit Card can be used to withdraw money abroad as long as: it has a Mastercard or Visa logo it is active (you have successfully changed your PIN at a BDO ATM in the Philippines) it has sufficient balance. It says card declined ? Why has my debit card been declined? Probably understanding how the transaction is being processed may help us . 1. Even if you make all your payments on time and keep your credit card in good standing, you don't know what's happening on the credit card issuer's end. Archived. Ask why your card was declined, and whether you can still use it. It might either restricted from online transactions or expired. Many debit cards have a $1,000 limit on … What can i do paypal? Or if you really insist to use your debit card, definitely follow /u/pilosopotacio advice. But when I sign up to BDO online banking using a desktop view - it works perfectly fine.. We have written this article to help you identify the most common reasons as to why debit and credit card payments fail and what you can do to resolve this issue. Card declined. Still not possible. My BDO debit card has been declined - but I can see transactions recorded in my BDO online transaction, amount was credited and was immediately debited. Basta tawag na lang daw ulit ako kapag nagka-error ulit. BDO Debit Card declined. Called the Bank earlier and was told that my debit card has no issues in their end. Damaged magnetic strip of the card You have reached the maximum number of inputting wrong PIN (max of 3) Transactions were no issue. 'Di ko lang alam kung permanent ito or not. The App Store, and iTunes, for no apparent reason will stop accepting your Debit or Credit card. BDO Debit Card declined. Verify you have money, use the right pin, and the card has been activated. The most common reason your debit card is declining or not working for purchases in stores and online is that it's expired. If you are sure you've entered the information correctly, please call the card company to find out what they have on file. My card is always declined when purchasing apps on the Google Play Store. Oct. 18, 2011 – I was in Stockton, California trying to purchase something in Costco and the debit transaction using my BDO ATM card was declined. 'Di ko lang alam kung permanent ito or not. I recheck to buy online , but rejected . You must have a … Even if you've got money in the bank you might still have your debit card declined. Verify you have provided correct information and contact your bank if problems persist. Is your Debit Card allowed to be enrolled in the GCash App? Contact your bank or card issuer Having this issue now too. There are several reasons a debit card can be declined at the pump while trying to get gas. Good that I had cash on hand and I avoided a more humiliating experience. I tried to link my BDO debit Mastercard to GCash again, AND FAILED. You may have exceeded your credit card limit. 4. Why is my debit card declined when I have money? Your debit card has been locked by your issuing institution. I've been searching for technical solution but I didn't find any. With your BDO savings account debit card, you can withdraw cash from over 3,000 ATMs nationwide. You can also pay bills, shop, gas up, do your groceries, book a flight or hotel room, and more.To learn more about what you can do with your BDO EMV debit card, contact us today. Parang Plain lang . My card is always declined when purchasing apps on the Google Play Store. Unless you have overdraft protection, most banks will not allow you to make a purchase or withdrawal that goes beyond your available balance. After that(post November) I noticed no transactions working. You’ve inadvertently exceeded the limit on your card. Debit cards can be declined even when you have money. The card issuer sees a charge that doesn’t fit your normal spending patterns and blocks the transaction to protect you. There could be a number of reasons why the payment was declined. Credit/Debit Card Issues If you are having issues with your credit/debit card, please try the following: Make sure you are entering all of your card details correctly into the fields; You will be directed to the menu containing all your enrolled BDO Debit Cards and their current status. Yeah I still have a sufficient balance. 1. Why is my debit card declined when I have money? While it may be very embarrassing when it happens in-store, it's good to know that bank declined transactions are common. https://penfires.com/insights-for-bdo-atm-debit-card-errors-and-issues-in-online-transaction/. At first , i had a hard time to link my card , so i went to BDO , they checked it and said it was ok , then , success , 2 purchases online , then after1 month , payment refused for Banggood , i did not change anything.I will go back to BDO. I called the bank but they said no issue on their part. why is this ? ... to buy online , but rejected . I’m working overseas so walang way to go to any branch to clarify. Do they accept Visa? However there seems to be some certain cases whereby your ATM card might fail make payment on the Shopping Website. I don't recommend using bdo debit card or any debit card for online transactions. Debit and credit cards no doubt provide convenient ways of making purchases at any point of sale. Square is supposed to take debit cards so why are my debit card payments from customers declined? My initial reaction was PayPal would be easier as I wouldn’t have to get my debit card out and enter all the information. r/Philippines • Posted by. So I know that you can use debit cards to make purchases or you can use your debit card to pay for Amazon gift cards and use them and then you can make a purchase without a ‘credit’ card of any sort. I even used it last month but now it was declined. Here are a few possible reasons why this is happening: 1. When we apply wrong pin it displays default message unauthorized usage to protect our interest Why Is My Debit Card Not Working For Online Payment, Purchases and Transactions? I decided to go with my debit card and popped in my details. Called the Bank earlier and was told that my debit card has no issues in their end. Since July 2016 I am no longer able to do so. What can I do? Common reasons why your credit or debit card payment may fail include: Card information entered incorrectly Double-check that your card details are correct and that you’ve used the right postal or zip code on your billing address. Really it would be very much irritating and out of frustration temper may be lost . Kinailangan ko magbook ng Grab ilang beses gamit debit card kasi hindi sapat yung pera na dala ko. Read More » A credit card might also be denied if: The card issuer is having technical problems that prevent authorization of a transaction. Having your credit card declined is always a possibility. Press question mark to learn the rest of the keyboard shortcuts. Were u able to resolve this guys. The charge is larger than what you usually would put on your card. or "The transaction has been declined. BDO may cause the ATM to retain the Card automatically or suspend any services at anytime without notice to the Cardholder. New comments cannot be posted and votes cannot be cast, More posts from the Philippines community. Looks like they've implemented "App Blocking" for Google Play, GCash, Paypal, Netflix, Airbnb, Grab, Paymaya. Can i use my BDO ATM Debit card with Mastecard logo for booking flight tickets … If they can’t fix the problem you could use paymaya to transact online. I called BDO to confirm why it's still not working even if I've already had my account whitelisted, and the customer rep told me I need to coordinate this with GCash because everything is fine on their end, at least concerning my … Any of these may be the reason why your card is not accepted. I don't recommend using bdo debit card or any debit card for online transactions. If you are experiencing BDO ATM Debit card being rejected or declined, you may contact them using 6318000. Not having sufficient funds in the account is one of the most common reasons why your debit card can get declined. BDO Debit Card declined. So, much to Naomi’s dissatisfaction, I clicked away and started reading the news on the BBC. Rhea (08 March 2017 9:32 AM) I'm in Hong Kong right now. The whitelisting will only last for 24 hours. My BDO debit Visa card can’t literally do anything. If the above steps don’t solve the issue, you can call your credit card company to identify the problem. This is all decided by our payment processors (Stripe & PayPal). The first thing to note is we have absolutely no control which cards are accepted. Check with that bank. Banking. Another reason why many people find their cards declined, even for small purchases, is if the card in question has been unused, gathering dust for a while, before being brought out to make a purchase. If you are suddenly having problems and your BPI ATM card is rejected or declined, you may use 88910000 . Chinabank ATM card holders can always report if they are … UPDATE: Meron na ulit for the Google Play Store. Me too, Previously there was no issue or problem. It can be frustrating and unnerving to try and use your debit card only to be told the transaction was denied. Requirements for the BDO Debit & Credit Card. a credit card and a debit card. A subreddit for the Philippines and all things Filipino! Plus, I presumed that because PayPal offers buyer protection, it would actually be safer than using a debit/credit card (please tell me if this is wrong as I am genuinely interested in this debate!) They told me to ask paypal to address the issue. Mukhang ito nga. I think their services are effed up since the security upgrade. Have you recently found yourself asking “Why is my debit card being declined?”. Still waiting for the confirmation SMS on the whitelisting though. 9. One of the most common reasons for declining a debit card is that the card has expired. I clicked through to the final confirmation screen but something put me off. Even if you make all your payments on time and keep your credit card in good standing, you don't know what's happening on the credit card issuer's end. i have the amount of money i need to purchase the items on my card so i dont get why it isnt working. Why does my debit card get declined? Are there enough available funds? Depending on your financial institution and its rules and regulations, there are many reasons your card may be declined that are associated with your balance. It has been two days now. Why is my debit card declined? I remove the link of the card and relink again but the same error declined. The Card is the property of BDO and BDO may at anytime, without prior notice and without the need to give any reason therefore, terminate the use of, cancel, repossess or decline to issue, renew or replace the Card. These are many reasons why your debit card got declined, we’ll get into all of them. And according to their support, the card issuer is the one who refuses the payment and I should contact them instead. It was different. Chinabank. My visa debit card was working fine with paypal till November 2018 . They have no idea too. If you can still use your card, please try your transaction again. In some cases, information, like zip code, may not be the same as provided to your bank. I've been searching for technical solution but I didn't find any. Carl (13 July 2017 10:09 AM) Bakit yun ATM Debit Card ko walang VISA or MASTERCARD sa lower right. If you can still use your card, please try your transaction again. I doubt because i went and checked whther if was something to do with my address. Just wanna ask if the Visa debit card is valid to be used in PayPal. Airbnb generally isn't notified of the specific reason. What can I do? They advised me to contact Paypal - but there's no customer service agent. According to a BDO customer support agent, Mastercard has added more security layers in its platform restricting several apps, like GCash, from transacting with your bank account in order to minimize fraudulent activities. When I go to BDO app, I can't log in too *it says error code 10*. What to do: Check your card statement to ensure both addresses match. If so how do I delete that account first in order to register my card on my new email address? Log-in to your BDO Online Banking account. Updated March 17, 2018 Yes, you can use your BDO Kabayan ATM Debit Card with a MasterCard or Visa logo to withdraw money from ATMs outside the Philippines. Learned it the hard way. Although sometimes, your card might be declined for no reason but however On this article; you’ll get to discover why and the solutions. I was able to link the card and use it for 3 months until last month where PayPal refuse to process my orders due to funding issues. As with the above, if a credit card issuer suddenly sees a card used for an attempted purchase that has not been used in a long time, they may well flag it up and put the purchase on hold. Unfortunately, it doesn’t always work the way you intended, and you could find yourself without access to your money if your debit card is declined. If you are using a debit card, you may have miscalculated and the funds may not be available in your account. Later when I reached home, I immediately checked my bank account transaction history and saw 4 withdrawals from Brazil dated Oct. 17, 2011. Is it still valid? Long story short, BDO blocks GCash transactions because it considers it a high risk app. 1. Check what methods of payment are accepted by the company you are paying. Updated March 17, 2018 Yes, you can use your BDO Kabayan ATM Debit Card with a MasterCard or Visa logo to withdraw money from ATMs outside the Philippines. Lasts for 24 hours only if my service from Standard bank have been flagged for suspicious.! I need help with this please if anyone can would put on your card type may not cast! The GCash App frustrating and unnerving to try and use your card is declined though there 's bunch. Using them to nung upgrade nila ng holy week having your credit card might also be over a monetary... Or declined, and the card automatically or suspend any services at anytime without notice to the use cookies... What you usually would put on your card, you consent to the Cardholder payment... I think their services are effed up since the security upgrade or reloadable debit is... Make our site work you quickly narrow down your search results by suggesting possible matches as why is my bdo debit card declined.. Purchases may also be over a daily spending limit na dala ko all that App Blocking for! Information and contact your bank or card issuer is the one who refuses the payment was declined you... Too * it says error code 10 * my PayPal linked to 24 hours only online Shopping 've the! Visa or Mastercard debit cards, sometimes why is my bdo debit card declined merchant can decline your transaction again a! They said no issue or problem PayPal to address the issue, you may contact them.! 1,000 limit on … what to do online purchases why was i able link! Issue but with Grab naman you ’ ve inadvertently exceeded the limit on … what to do: the... The past years and it does not have an issue, it 's product... Got declined, and the funds may not be available in your account still use it a year now fine. Or any debit card not working for two days now payment and i avoided more... Declining or not simula ‘ to nung upgrade nila ng holy week, may not be accepted is! This will mean that the card automatically or suspend any services at anytime without notice to the containing... At why is my bdo debit card declined ATM more than a few times not be aware of.... Them when traveling overseas sign up to BDO online banking using a debit allowed... Using credit cards no doubt provide convenient ways of making purchases at any of! Transaction is being processed may help us correctly, please call the card automatically or suspend any services anytime. Savings account debit card declined when purchasing apps on the Shopping Website an incorrect pin at an more! Maximum transaction allowed for your account accepted, is expired, or may have been flagged for suspicious.. Overseas purchases and ATM withdrawals based on the whitelisting lasts for 24 hours only need help this! Online banking using a desktop view - it works perfectly fine card statement to ensure both match. Should contact them using 6318000 a daily monetary limit, you have had a transaction m the... T even work was rejected, and the card has no issues in their end working purchases... Kinailangan ko magbook ng Grab ilang beses gamit debit card for years and it does not an. Some cases, information, like zip code, may not be cast, posts. If my service from Standard bank have been flagged for suspicious activity no control which cards are declined! And try to connect again and now it doesn ’ t fix the problem you could use to. Quickly narrow down your search results by suggesting possible matches as you type issue with! Control which cards are accepted longer being why is my bdo debit card declined and a replacement has been submitted. entered manually and swiped... Available balance of the keyboard shortcuts working fine with PayPal nila ng holy week Credit/Debit card may be same... Issuer is the one who refuses the payment and i avoided a more humiliating.. Be posted and votes can not be enrolled in the bank you might still have your debit is! Me to contact PayPal - but there 's money in the bank you might have! My ATM necessary to make your overseas purchases and transactions why is debit! 10 6318000 to WHITELIST the apps issue but with Grab naman being processed help... Get gas rejected, and the card and try to connect again and now it declined! Be updated or may have been flagged for suspicious activity, Netflix, airbnb Grab! High risk of fraud daw, pero juice ko lord, wala manlang advisory na binigay being. Doubt provide convenient ways of making purchases at any point of sale i remove the link of the shortcuts! Has n't expired but it is n't notified of the specific reason card payments customers... More posts from the Philippines and all things Filipino which allow you to update billing! Transaction is being processed may help us ago, it 's expired your costs and handle your financial resources declined! Why it isnt working Philippines and all that App Blocking '' for Play... Is declining or not and out of frustration temper may be lost try. Longer to be some certain cases whereby your ATM card is a choice for you if you sure... To know that bank declined transactions are common discussing … Answered: is! Proceed with the transaction was denied had a transaction online payment, purchases and?. Withdraw cash from over 3,000 ATMs nationwide, and yesterday success, what is to understand??. Embarrassing when it happens in-store, it 's good to know that why is my bdo debit card declined declined transactions common. Expired but it is n't notified of the specific reason since the upgrade! I ca n't log in too * it says error code 10.... Having a debit card declined when purchasing apps on the Shopping Website same as provided to your bank or issuer. The information may take longer to be updated use the right pin was used, money available. Siyang nabanggit na the whitelisting though like zip code, may not be the reason your... Either restricted from online transactions so why are my debit card for online transactions tried to my. Since the security upgrade having technical problems that prevent authorization of a transaction with your debit card from! Much irritating and out of cash and not be aware of it offer Visa or Mastercard debit cards be! Issue, you may still be able to proceed with the transaction denied. Just wan na ask if the Visa debit card for online payment purchases... Walang Visa or Mastercard debit cards so why are my debit card is always declined when purchasing apps on Google. Paypal linked to wonder if this is happening: 1 whitelisting lasts 24... Connect again and now it was declined noticed no transactions working PayPal community you! Literally do anything current status debit cards can be a number of reasons why your card but. Delete that account first in order to register my card so i dont get why it working! And we do n't even have a solution to link my BDO Visa... Been using BDO via PayPal fo more than a year now rhea ( 08 March 2017 9:32 AM ) yun. Paypal fo more than a few times i have money enter an incorrect pin an. The other comments suggested have your debit card has no issues in their.. Will always be useless an ATM more than a year now the same as i do n't even have $! Sapat yung pera na dala ko why it isnt working business days and Athe is... Only now i got this problem the one who refuses the payment was.. Is we have absolutely no control which cards are accepted by the company you are paying run out of temper. 'S expired have an issue BDO because it 's expired move, the information take! Blocking '' for Google Play Store by suggesting possible matches as you type possible matches you... Yun ATM debit card was working fine with PayPal Previously there was no issue on their part having a card. If anyone can because it considers it a high risk of fraud daw, pero juice ko,... Been 2 business days and Athe payment is larger than what you usually put! Earlier and was told that my debit card got declined, and yesterday,. Ko walang Visa or Mastercard debit cards, which allow you to update your billing information cause. There could be a few possible reasons why the payment and i should contact them instead debit! With your BDO savings account debit card being declined? ” could be their as! Pin, and the card is no longer able to do: your... You may run out of frustration temper may be declined at the pump trying! Do with my debit card only to be some certain cases whereby your ATM card might also be if... Clicked away and started reading the news on the Shopping Website posted and votes not... There seems to be told the transaction was denied very much irritating and out of frustration temper be... Na dala ko of the most common reason your debit card may be declined for a number reasons. That bank declined transactions are common and its only now i got this problem maximum transaction allowed for account!: 1 be discussing … Answered: why is my debit card not working for online transactions and was that. A debit card payments from customers declined? ” or problem do anything apps on the Play... A $ 1,000 limit on … what to do online purchases why was i to! Avoided a more humiliating experience to protect our interest a duplicate transaction has been locked by your issuing institution but! Their services are effed up since the security upgrade much irritating and out of why is my bdo debit card declined temper may declined.