This is a general overview of the basic things you might need to communicate to your customers to reduce the number of declines in card transactions.

1. Firstly you can’t make a payment that’s more than the balance you have on the card. Do well to communicate to your users what your interchange fee for transactions is and also if you are using our APIs to hold down the card maintenance fee also do well to communicate that they can’t spend the maintenance fee as well. A large percentage of transaction declines happen because of this, firstly check if the user has a sufficient balance.
2. Our cards are USD cards with a bin sponsor in the US, so the cards cannot be used to make any payment in naira. Once the merchant shows you how much you are to pay them in Naira if you go ahead to use this card to make this payment it’ll definitely fail. You’ll have to switch the billing currency to USD or EUR or change the country on your account to the United States.
3. If you’ve tried using the card to pay and it doesn’t work, check if they accept Paypal as a payment method and try that instead, this always works.
4. We send a webhook event to you for every declined transaction, when a user complains about a transaction decline you can check your webhook logs on the admin dashboard to see if they are trying to make a payment above their card balance or if the merchant they’re trying to pay on is one that has been blacklisted.
5. Card reversals take about 1 -7 days to reflect on the users card.