This Card Can’t Be Used for this Transaction [What Now?]

If you’ve ever received the alert “This card can’t be used for this transaction” you might be wondering what to do next.

Well, as a prospective customer, your options may be limited. That’s because the payment processing being used by the business is blocking your card.

If that’s the case, you may want to look at ways to obtain different cards that have a higher likelihood of being accepted, like American Express for non-US residents.

Or, you could look to get direct assistance from the business in order to try and process the transaction.

In this article, we’ll help you navigate all of the available options in order to successfully complete your transaction.

Feel free to use the table of contents to jump ahead to the sections most relevant to you.

Table of Contents

  1. My Transaction Is Declined… What to Do Next?
  2. Credit Card Limitations on Transactions
  3. Frequently Asked Questions
  4. Ready to Explore Your Options?

My Transaction Is Declined… What to Do Next?

If your transaction has been declined, you have a few immediate options in order to try and complete the transaction, including:

  1. Contacting the company you’re transacting with

In most cases, a representative of the company will be able to check why the transaction has been blocked. For example, their payment processor may have blocked your card for fraud prevention, due to the location of the IP address, or a number of other factors. With this information, you may be able to adjust your approach and complete the transaction successfully.

  1. Use a different credit card for the transaction

Not surprisingly, if this card can’t be used for this transaction, you may want to consider using a different card. While this may sound obvious, many prospective customers think if one of their cards has been denied, all of their cards will be denied. But, this is not usually the case.

  1. Get a new credit card

If your transaction continues to be denied, it may be time to start thinking about a new credit card altogether. In fact, foreign non-residents from around the world can obtain some of the best US credit cards, with low fees, high rewards, and much more. We outline the entire process to find and apply for US credit cards in our dedicated US credit card report, which you can access immediately when you join GlobalBanks USA.

Do You Want Our Free Non-Resident Banking Guide?

Sign up here to receive our Free Non-Resident Banking Starter Guide and weekly updates on the best account opening options available:

Credit Card Limitations on Transactions

One of the main reasons that you might see “this card can’t be used for this transaction” is that the credit card you are trying to use has limitations. That said, different types of limitations can apply, including transaction value, purchase location, and more. We’ll take a look at these and other credit card limitations below.

Reasons Why My Card Can’t Be Used for a Transaction:

  1. Purchase price is above the credit card limit
  2. New physical location where the purchase is being made
  3. New IP address is being used to make an online purchase
  4. The merchant is deemed high-risk by the credit card provider
  5. The information used during checkout does not match the card

Frequently Asked Questions

Below are three of the most common questions that we receive from people that have been denied their transaction because of the card they used. If you have further questions you would like answered, don’t hesitate to get in touch with us directly.

Why Can’t My Card Be Used for Specific Transactions?

Certain credit card providers may block specific transactions based on a number of different factors, this can include the total value of the transaction being too high, the location of the purchase (physically or online), the party that the transaction is being completed with (high risk), and other factors.

Why Is My Card Being Declined Even Though I Have Money in It?

If your card is being declined even though you have money in the account, it could be because the credit card provider believes that the transaction is fraudulent. This could happen if you are trying to make a purchase through an online retailer for the first time. Alternatively, it could be caused based on the internet protocol (IP) address being used during the checkout process.

Will My Money Go Back Into My Bank Account if My Credit Card Was Denied?

If your credit card was denied during a checkout process, the money will not be charged to your card. Therefore, the money will not need to go back into your bank account since it never left in the first place.

Ready to Explore Your Options?

If you would like assistance navigating your banking options in the United States, we can help.

You can access GlobalBanks USA, our dedicated US account opening service, in just a few clicks.

GlobalBanks USA involves 100% personalized account opening service that taps into our team’s expertise and provides direct banker introductions.

Of course, if you have any questions before deciding whether you would like to move forward, don’t hesitate to contact us.

Share This Article on Your Favorite Platform
GlobalBanks Team
GlobalBanks Team

The GlobalBanks editorial team comprises a group of subject-matter experts from across the banking world, including former bankers, analysts, investors, and entrepreneurs. All have in-depth knowledge and experience in various aspects of international banking. In particular, they have expertise in banking for foreigners, non-residents, and both foreign and offshore companies.

Sorry, but you cannot copy the content on this page.