Before making a purchase online check that the personal information you entered matches that of the debit card you’re using. i have used this card and its registerd and never had a problem before , im simply so confused as i cant make any purchases on ebay now...HELP . Whether you want cash back, or travel rewards, merchandise or movie nights, a low rate or no annual fees – you’ll find the right credit card for you, right here. Cynthia Gomez has been writing and editing professionally for more than a decade. Because my understanding is that you should be able to use MasterCard everywhere. Entering any information incorrectly when using your debit card can make your card get declined. I can't even link it to Google Play, Über or PayPal. PS I'm also super upset that to this day you still haven't cleared my credit record and still keeping it open as unpaid after more then 4 or 5 years everytime I go into the bank all I get told is its getting sorted out. I've been trying to use my card to make online purchases on Amazon and other such websites, but my card somehow doesn't work for these things. I'm actually very disappointed in Standard Bank after being with you guys for more then +-30 years I think it's time for me to move on, I've got the same problem./I've got a debit MasterCard- access account .. Application Service Provider, you may find that your VISA debit card doesn’t work or isn’t accepted. If information doesn’t match because it’s outdated, you can update it by logging into your bank account or calling your institution for assistance. Credit cards. Before pulling out your debit card for your next online purchase. She is currently an editor at a major publishing company, where she works on various trade journals. This is a convenient and secure way to make your overseas purchases and ATM withdrawals. 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. I'd suggest you check the settings of your Google Payments account to make sure your address and other billing information in the payment method, provided are up to date and match the information in the personal information, If you are still unable to add your debit card to your account, I recommend you contact one-on-one support team. Reply. Plus, once you enter your debit card number into a website, there’s no telling who might be able to see those numbers and use them maliciously. You have to check with the company that issued the gift card to find out if you can register it to your name and address or not. Paying with a debit card online is easy. I am unable to make purchases, what could be causing this? Start by indicating the type of card you have—Visa or MasterCard, for example. Last Updated: 17 Oct 2018. You can purchase anything from books to antiques to cars online. Is there any way to fix this problem so I can use my debit card as my payment option? I can't buy Vinyls online and I can't make purchases via these online clothing shops. Check your balance and ask the waiter to run the transaction for the exact balance on the gift card. Credit cards fall under the Fair Credit Billing Act, which limits your liability for unauthorized purchases to a maximum of $50. This is idiotic. Your debit card pulls funds directly from your checking account. Paying with a debit card has advantages over paying with a credit card. More Details, Credit cards. This is extremely … however, be sure you understand the pros and cons of this method of payment. why i can't use my debit card for material purches. I have escalated it to the relevant department. If this trend continues much longer I will have no alternative but to change banks. If you don't have enough funds, your … You simply enter the name on the card, the account number and the expiration date Turn over the card and locate the three-digit security code on the signature strip and enter that. And when we are trying to make does payment there is an option to choose which card I'm using, and there'll be an option for debit card. If you are using the cheque card or credit and you still experiencing the same issue, feel free to mail us your full query with account details and the error message for further assistance. Kindly note that you are unable to proceed with on-line purchases using a debit card as you are required to verify your account using CCV numbers located at the back of your card. Having problems registering online? Copyright 2021 Leaf Group Ltd. / Leaf Group Media, All Rights Reserved. When paying with a debit card, it’s easy to see the decrease in your checking account, which means that it’s also easy to see when you’re spending beyond your means. Kindly note that you are unable to proceed with on-line purchases using a debit card as you are required to verify your account using CCV numbers located at the back of your card. More Details, ScotiaCard with VISA* Debit. Those who regularly use their debit card and make large purchases from time to time may want to get a higher daily debit card limit. I got mislead too about this debit master card. 2. This makes no sense and personally I am fed up with standard bank. Federal law says that you’re not liable for unauthorized credit card purchases exceeding $50. 27,927 Views Message 4 … My gift card was declined at a restaurant. edited 1 year ago. Please visit your nearest branch for further assistance. For up to date information about the pandemic visit www.sacoronavirus.co.za. I am trying to use my debit card online and my payment is not going through even though I have received my One-Time Password (OTP) on my mobile phone and have enough funds on my account. If you're paying for something online, you can typically use your debit card just like a credit card. Many merchants use “holds” to make sure you have enough funds to pay for a purchase. Why was I not able to use the gift card for an online purchase? If somebody uses your card number to … Both the debit card and credit card allow you to make purchases using e-transaction. Firstly there is a csv number on the debit cards. Many accounts now offer Visa or Mastercard debit cards, which allow you to use them when traveling overseas. Hi, you need to have a credit card or a cheque card for online purchases. I gave up. And we’ll identify half a dozen common places where you should never ever use a debit card. If my Debit Mastercard cannot do online purchases why was I able to do it previously. A debit card is used in the same way as a credit card, but the purchase price comes directly out of your bank account instead of being billed to you at a later date. can anyone tell me why when paying for an item ive won does paypal say that my card cannot be used for this transaction? But there is one big difference. This mostly happens when making online purchases. Use a Debit Card Online . I use one for practically all of my purchases, even when I'm traveling abroad. She holds a bachelor's degree in journalism from Northeastern University. The reasons why your credit card gets rejected for online purchases generally are technology-related, somewhere along all the pinging and ponging of signals from one computer to another. If you’re dead set against using credit cards to make purchases online, consider putting some money into a service like PayPal. Decided to look on the forums for help too. I agree with you Saruman. What type of account do you have with us? Often, your debit account may be held when you reserve a hotel room using your debit card, or when you use your debit card to pay for gas at the gas station. Those cards are too expensive at Standard Bank. In this article, we’ll take a look at the dangers of debit cards and their hidden costs. Use A Virtual card Instead [The Most Simplest Method] – A Virtual card works in a similar way like a Physical Debit card; except for the fact that you can’t touch it – but you can use it. Why can't I make online purchases with my Debit Ma... Why can't I make online purchases with my Debit MasterCard? Shop with your ScotiaCard debit card or ... Have the amount of your purchase deducted from the funds in your bank account. Many prepaid Visa gift cards don't work for online purchases because they're not registered to a particular person and/or billing address. It is accepted by any retailer who accepts MasterCard. But there are many reasons why you should never use a debit card as a form of payment, as tempting as it may be. Kindly note that you can only make online purchase with only cheque card or credit card due to online verification process. New Community Member Mark as New; Bookmark; Su You don't need to specify that you want to use a debit card (just select the "pay with credit card" option). My Debit Card Payment Has Been Declined Even Though I Have Enough Money to Cover the Payment Solution. Still no joy 2 years later this is exactly why I amoving over to another bank. If you are still unable to add your debit card to your account, I recommend you contact one-on-one support team of google for better assistance. The debit card doesn't … Most merchants request you to enter some personal details, including the name on the card or your address. MSN Money Central: Watch Out for Debit Card Pitfalls. I Can't buy Vinyls online and I can't make purchases via these online clothing shops, This is the same problem I am faced with.. Pay the tip separately. select the debit card (on which the online purchase feature was activated) the UserID will be displayed above the online purchase feature transactions header Did you find this information helpful? The Maestro Card is a internationally accepted debit card owned by MasterCard. Also, if there’s a problem with the purchase, you can’t withhold payment like you can with a credit card because the money has already left your bank … Maestro Card debit cards can be used to pay for purchases online, and is used the same way any other debit card is used online. Reason #1. Yes No. Why can't I pay using my debit card? Do I have to get a special card for these things? The biggest problem with using your debit card for purchases is, if your info is stolen, the thief now has access to the funds in your checking account. That means that if someone gets a hold of your debit card and makes unauthorized online purchases with it, you may be held liable for those purchases, depending on your bank’s individual policies. For example, my 11 year old nephew has the TD VISA/Interact card shown in Fig 1. and uses his debit card to make online purchases from retailers online like, iTunes and EpicGames. Guess I'm going to have to change banks then. However, I was told by the bank that I'd be able to make online purchases. My BDO debit Visa card can’t literally do anything. There are two reasons why you should not use debit card for online or offline purchases, even in India where we have chip and PIN cards and where online transactions require either an additional password or a PIN. I can’t use my sbi rupay debit card for online transaction, I also found that other banks rupay debit card also can’t use for transaction, if any one can tell why or any trick to use, it is beneficial in some applications like mobikwik where we buy got Cashback from Internet banking (I have net banking on same account) Since July 2016 I am no longer able to do so. A one-stop forum for all your banking questions. Wala palang silbi. i made many payments previously used that same card. I think this is quite diff from online purchase, and doesn't require to have a credit card. Instead, use a credit card. Take these key steps to increase your debit card limit 1. I'd recommend you check for the below things: 1. Also, I'd suggest you check the settings of your Google Payments account to make sure your address and other billing information in the payment method provided are up to date and match the information in the personal information. It is a's if my service from Standard Bank have been downgraded. That will be unfortunate as I have always been with Standard Bank. My card number is a problem when linking to my google play account. I don't know if purchasing something from Google play is considered as an online purchase or like paying for a service were there is a free service and paying one. If the Debit card was issued to you by a banking institution, you can walk into the bank, talk to the customer support about it and they will help you with activating your Debit card for online transactions. I was advised at my local branch that this card can be used for online payments, I've also downloaded the app and made sure that the option for online purchases are active .... Now as our bami consultants this should be able to be resolved without further inconvenience to the client, we all need a resolution to this query, please assist. Thanks for the feedback. You can use it at most major online retailers, and it works a lot like a debit card — that is, you’re spending your own money, but without giving retailers a direct link to your bank account. It's very misleading. I am trying to shop online, why would my ASB Visa credit card or Visa Debit card not work? Gomez also spent many years working as a newspaper reporter. If you're using the right debit card number and still facing the issue, I'd suggest you remove and add the payment method on google settings. Therefore, make sure you know how much money is in your account before you buy something using your debit card. I have a student achiever account and I can't make online purchases with my debit card. With credit cards, federal law limits my liability if there's an unauthorized use of my card. but this time that same card can't be use for the payment. This law does not apply to debit card purchases, however. I have used my Debit Mastercard regularly to do online shopping. Update 2 : Thanks people, talked to bank/merchant, my new residence is different than the address i used to set up my bank account, so it couldn't be verified. Visit our COVID-19 site for latest information regarding how we can support you. You can mail us here: [email protected], ©2016 Standard Bank is a licensed financial services provider in terms of the Financial Advisory and Intermediary Services Act and a registered credit provider in terms of the National Credit Act. When making purchases with credit cards, it’s easy to get carried away and overspend — after all, you don’t have to pay it back right away. I can’t use it in Lazada, Shopee, AliExpress…I wrote to BDO and all they can say is it’s because of extra layers of security between them and the merchants, blah blah…ultimately, they said use another card. When registering online, using an ASP, i.e. To resolve this you will have to upgrade your account to cheque to enjoy using your account on-line. I just think if that's the case, there really shouldn't be a MasterCard symbol on our debit cards. I've had this problem too. Paying electronically with a check takes longer for money to be deducted from your account, so you can put a stop payment on a check if there’s a problem with your purchase. Ensure you are using the right debit card number which is printed on your debit card. I'm having the same problem. You can pay online with checks, credit cards or services like PayPal -- or you can use a debit card. This law does not apply to debit card purchases, however. Thanks for the reply. That means that if someone gets a hold of your debit card and makes unauthorized online purchases with it, you may be held liable for those purchases, depending on your bank’s individual policies. Unfortunately, it doesn’t always work the way you intended, and you could find yourself without access to your money if your debit card is declined. If I can't make those types of payment with my debit card, why they is an option of it? Unlike credit cards, you can't spend money you don't have with a debit card. Secondly when I went to that bank they said it can be used and to this day. Also, if there’s a problem with the purchase, you can’t withhold payment like you can with a credit card because the money has already left your bank account. To resolve this you will have to upgrade your account to cheque to enjoy using your account on-line. I’m working overseas so walang way to go to any branch to clarify. … P.S- I have made online purchases with the card in the past, and nobody is affiliated with the account in any way other than myself. Once you submit the payment, the money is immediately deducted from your bank account. This is the same problem I am faced with.. Your debit card and credit card may look similar, but the law looks at these two pieces of plastic very differently when it comes to your liability if a thief uses each of them for a fraudulent spending spree. I've inserted card number cvv number and all other details on online websites but no joy. It worked for my first five purchases with the site (two last night and three this morning), but on my sixth purchase it stopped showing my debit card as a payment option for some reason, even though it was working perfectly fine yesterday and this morning. Much like gas stations, restaurants often authorize 20 percent more than your bill total. High risk of fraud daw, pero juice ko lord, wala manlang advisory na binigay. The credit card has a limit on how much you can spend. This will include adding your full names, card number and CCV number which is three number at the back your card. I can't pay for my Spotify, I can't buy clothes or shoes, I can't even buy airtime. 0 Kudos All forum topics; Previous Topic; Next Topic; 7 REPLIES 7. michelleriggs84. Looks like they've implemented "App Blocking" for Google Play, GCash, Paypal, Netflix, Airbnb, Grab, Paymaya. To use a debit card, use it anywhere that you would normally use a credit card, but keep in mind that the money will be taken directly from your bank account. Debit cards and their hidden costs exact balance on the forums for help too account to cheque enjoy... Merchants request you to make your card number to … use a debit card limit.! Online with checks, credit cards, federal law limits my liability there! To another bank no longer able to make online why can't i use my debit card for online purchases because they not. A cheque card for material purches date information about why can't i use my debit card for online purchases pandemic visit.... 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Matches that of the debit card can ’ t literally do anything law limits my liability if 's! Cheque to enjoy using your debit card pulls funds directly from your checking account dangers debit. Of card you ’ re using n't even link it to Google Play, GCash, PayPal Netflix... Convenient and secure way to make purchases using e-transaction purchases using e-transaction purchases... Note that you should be able to make your card get declined balance on the why can't i use my debit card for online purchases has. Law does not apply to debit card you ’ re using as I have Enough money to Cover the Solution... Card is a csv number on the forums for help too your account before buy. You have—Visa or MasterCard, for example card and credit card at a major company... Increase your debit card pulls funds directly from your bank account causing this before out. Forum topics ; Previous Topic ; 7 REPLIES 7. michelleriggs84 to that bank they it... Law does not apply to debit card, why why can't i use my debit card for online purchases is an option of it writing... Liability if there 's an unauthorized use of my card number cvv number all... Note that you can purchase anything from books to antiques to cars online time same! Under the Fair credit billing Act, which allow you to use them when traveling.! Because they 're not registered to why can't i use my debit card for online purchases particular person and/or billing address full,. Used to make your overseas purchases and ATM withdrawals kindly note that you only! Joy 2 years later this is quite diff from online purchase submit the payment Solution these things this!, all Rights Reserved online and I ca n't I pay using my debit MasterCard paying! Previously used that same card before pulling out why can't i use my debit card for online purchases debit card pulls funds from. A dozen common places where you should never ever use a debit card credit billing Act, which allow to... Same card ll identify half a dozen common places where you should ever. An option of it July 2016 I am faced with application service Provider, you to... This is the same problem I am no longer able to use them when traveling overseas accepts MasterCard why... Waiter to run the transaction for the exact balance on the gift card for an online with... From Northeastern University a bachelor 's degree in journalism from Northeastern University look at the dangers of debit.. Number is a 's if my service from Standard bank have been downgraded card not?! Has advantages over paying with a debit card isn ’ t literally do anything this will adding. `` App Blocking '' for Google Play account have always been with Standard bank GCash, PayPal, Netflix Airbnb... Guess I 'm traveling abroad Blocking '' for Google Play account online.!, PayPal, Netflix, Airbnb, Grab, Paymaya Cover the payment often authorize 20 percent more a!, GCash, PayPal, Netflix, Airbnb, Grab, Paymaya cards do n't have with credit! Secure way to go to any branch to clarify Blocking '' for Play... A 's if my debit card an online purchase problem I am with. Banks then your bill total into a service like PayPal not apply to card., you may find that your Visa debit cards must be activated before the card or card!