Visa Prepaid Reloadable Personal Cards (2024)

FAQs

Why is my Visa prepaid card being declined? ›

The retailer you're shopping with might be having server issues or technical difficulties. In this case, it's best to wait and try again, or contact them if you're having issues. Lack of funds. If your Visa gift card has insufficient funds to cover the transaction, it will be declined.

Prepaid cards can be a useful tool, but the fees involved can make them much more expensive than a traditional bank account. Even if you don't have a rock-solid credit history, you have some alternatives if you're currently unbanked.

Be sure that the Available Funds on your Serve temporary card are sufficient to cover the cost of the bill plus any anticipated gratuity. If the Serve temporary card is declined, ask the Merchant to obtain an authorization for an amount equal to or less than the Available Funds.

A prepaid card is not linked to a checking account. Instead, it is pre-loaded with a balance of funds. Then each purchase you make is deducted from that balance. In most cases, you can't spend more money than you have already loaded onto your prepaid card.

Some common reasons that your credit card might get declined include having the card's credit limit maxed out, accidentally triggering the card's fraud protections and even entering incorrect payment information on a website.

There are several reasons why a debit card may be declined even if you have money in your account. Common reasons include travel and reaching your daily purchase limit. Stay on top of your cards and consider using budgeting apps to help avoid debit card denial.

Disadvantages of prepaid debit cards

They don't help you build credit: Although pre-paid debit cards are an easy way to help you manage your money, they don't help you build credit. If used effectively, credit cards are a better option, but may be difficult if you have a low credit score.

This type of card is sometimes called a General Purpose Reloadable Card, or GPR Card. Some cards start out as non-reloadable, but can be reloaded once you complete a registration process. Some prepaid cards are “non-reloadable,” meaning you can't add more money to them.

Prepaid cards can be declined because you don't have sufficient funds in your account, the card hasn't been activated, the merchant doesn't accept the network's cards, or you have exceeded your spending limits. Any information you provide to the merchant must also match what's on file with the prepaid card issuer.

Why is my prepaid visa not working? ›

The most common reasons are that the card hasn't been activated, the cashier is running the wrong type of transaction, the dollar amount being charged is greater than the card's balance or the credit card processing machine is bumping up the charge amount to either place a hold on the card or to allow for a gratuity.

Besides fund insufficiency, here are some of the most common issues behind a card decline: There was a manual error. You've reached your daily purchase limit. Your debit card expired or is inactive.

Some prepaid debit cards let you load up to $15,000 onto your card, while others may have a lower maximum amount.

If you don't go online or call your card provider, or if your provider does not automatically activate your card for you, you will not be able to use your card. In most cases, once you successfully register your card, you will be able to use all of the card's features.

Visa Prepaid Cards. Easy to use and reloadable, Visa Prepaid cards go everywhere you do. No credit check or bank account needed.

Here are the most common: Order billing information doesn't match the information on your card account. You don't have enough money in your account to cover the purchase, shipping, and taxes. Your card has been flagged for suspicious activity, has a freeze on the account, or is subject to a security review.

You can lock and unlock your Prepaid Card at any time by logging in to your My Card Manager app or website, selecting Manage Card, then selecting “Lock my Card.” You can also call Customer Support any time at 855-657-8588 for a Global Prepaid Card or 866-760-3156 for a Visa Prepaid Card.

You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined.