There are several reasons why a transaction may be declined. If one of your transactions is declined, we will email you with the specific reason. Some possible reasons for your card being declined include:
1. You do not have enough funds on the particular Ben Card you're trying to use for this particular purchase.
2. Commonly blocked transactions include:
Transfer to financial services institutions / banks
Cashback
ATM Withdrawals
Gambling
3. You have used the wrong billing address or CVV code. Please check you have entered the correct billing address and card details. Entering the CVV code incorrectly a number of times can result in your card being blocked and you'll need to reach out to our Support team to get this unblocked.
4. Your card is frozen. You can always unfreeze your card by:
Logging in to Ben
Navigating to the particular card
Clicking on the ‘Card💳’ button
Hovering over the card and clicking ’Show’
Entering your Passcode
Selecting the Snowflake icon to Freeze/Unfreeze
5. The merchant may have declined the purchase on their end. Our support team can usually tell if it is a merchant issue, when checking the card declines.
If you are unsure why the card has declined, please reach out and our support team can assist!