Card declined / troubleshooting

Most card declines come down to a handful of causes, each with a quick fix.

Common reasons a card is declined

Reason	Fix
Spending limit reached	Raise or remove the cap in the card's Limits, or wait for the period to reset
Card is frozen	Open the card and tap Unfreeze
Not enough in the business balance	Fund the card or top up your business balance
Merchant restricts virtual cards	Some merchants block virtual cards. Try another card or payment method

Find the exact reason

1. Open the Cards tab and tap the card.
2. Open the declined transaction in the list.
3. The detail screen shows the specific reason the network returned, which points you to the right fix above.

Tip

Check the limit and the freeze toggle first. Those two account for most declines and both are fixed in a couple of taps.

For limits, see Set card spending limits. For freezing, see Freeze or unfreeze a card.

If the reason is unclear after checking these, email support@boldswitch.ng and we will investigate.