Card declined and troubleshooting

Most declines come down to balance, limits, or a frozen card — and they're quick to fix.

Common reasons and fixes

Reason	Fix
Not enough balance	Fund your card and add a small buffer for conversion.
Spending limit reached	Raise or reset the limit in card settings.
Over the transaction limit	A single charge can't exceed 10,000 dollars on a USD card or 1,000,000 naira on an NGN card.
Card is frozen	Unfreeze the card, then retry.
Wrong card details	Re-check the number, expiry, and CVV.
Merchant not accepting USD	Try a merchant that accepts USD online payments.

Steps to try

1. Confirm the card has enough balance.
2. Check it isn't frozen and hasn't hit its limit.
3. Re-enter the card number, expiry, and CVV carefully.
4. Try the purchase again.

Some merchants place a temporary hold during checkout. Keep a little extra on the card so these holds don't trigger a decline.

A note on chargebacks

If a merchant disputes a payment and it becomes a chargeback, a fee applies: 45 dollars on a USD card or 500 naira on an NGN card. Paying in a currency other than USD also costs an extra 3 percent, so a purchase can come to more than the sticker price.

If it still won't go through, email support@boldswitch.ng with the date, amount, and merchant.

Next steps

• Set spending limits
• View card details and transactions