My Debit Card Payment Has Been Declined Even Though I Have Enough Money to Cover the Payment

If you've had a debit or check card payment declined and you have enough money in your account to cover the payment, there are four conditions that can prevent your payment from going through:

• The payment amount exceeds your daily spending limit.
  
  
• The payment is larger than the maximum transaction allowed for your account.
  
  
• Your debit card has been locked by your issuing institution. This often happens when you enter an incorrect PIN at an ATM more than a few times.
  
  
• The charge is larger than what you usually would put on your card.

The solution to any of the above problems is to contact your payment card's issuing institution and ask them to adjust your daily spending limit, maximum transaction size or to unlock your card. Most payment card issuers can make these changes and have them take effect immediately allowing you to complete your payment.

If your issuing institution will not lower your maximum transaction or daily spending limit, consider making a series of smaller payments that are under your limit including the VPS convenience fee.

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Virtual Payment Systems is an online payment processing service. We help businesses accept credit card, debit card and ACH payments. Learn more.