Therefore, make sure you know how much money is in your account before you buy something using your debit card. I've had this problem too. I have escalated it to the relevant department. 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. 0 Kudos All forum topics; Previous Topic; Next Topic; 7 REPLIES 7. michelleriggs84. 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. 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. Firstly there is a csv number on the debit cards. 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. Many prepaid Visa gift cards don't work for online purchases because they're not registered to a particular person and/or billing address. I agree with you Saruman. Pay the tip separately. why i can't use my debit card for material purches. Thanks for the reply. Guess I'm going to have to change banks then. 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. If you don't have enough funds, your … This mostly happens when making online purchases. 2. 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. She holds a bachelor's degree in journalism from Northeastern University. 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. 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. If you're paying for something online, you can typically use your debit card just like a credit card. I can't pay for my Spotify, I can't buy clothes or shoes, I can't even buy airtime. 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.. My Debit Card Payment Has Been Declined Even Though I Have Enough Money to Cover the Payment Solution. Kindly note that you can only make online purchase with only cheque card or credit card due to online verification process. In this article, we’ll take a look at the dangers of debit cards and their hidden costs. 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) New Community Member Mark as New; Bookmark; Su 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. Since July 2016 I am no longer able to do so. I'd recommend you check for the below things: 1. I just think if that's the case, there really shouldn't be a MasterCard symbol on our debit cards. When registering online, using an ASP, i.e. This makes no sense and personally I am fed up with standard bank. This is idiotic. 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. This law does not apply to debit card purchases, however. Those cards are too expensive at Standard Bank. 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 … Why was I not able to use the gift card for an online purchase? I use one for practically all of my purchases, even when I'm traveling abroad. My BDO debit Visa card can’t literally do anything. Because my understanding is that you should be able to use MasterCard everywhere. Paying with a debit card online is easy. 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. Why can't I make online purchases with my Debit Ma... Why can't I make online purchases with my Debit MasterCard? Many accounts now offer Visa or Mastercard debit cards, which allow you to use them when traveling overseas. If you’re dead set against using credit cards to make purchases online, consider putting some money into a service like PayPal. It's very misleading. More Details, ScotiaCard with VISA* Debit. 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 .. To resolve this you will have to upgrade your account to cheque to enjoy using your account on-line. Having problems registering online? That will be unfortunate as I have always been with Standard Bank. Is there any way to fix this problem so I can use my debit card as my payment option? Use a Debit Card Online . What type of account do you have with us? If I can't make those types of payment with my debit card, why they is an option of it? If my Debit Mastercard cannot do online purchases why was I able to do it previously. Reply. Check your balance and ask the waiter to run the transaction for the exact balance on the gift card. i made many payments previously used that same card. 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. Paying with a debit card has advantages over paying with a credit card. Before making a purchase online check that the personal information you entered matches that of the debit card you’re using. I gave up. Please visit your nearest branch for further assistance. Many merchants use “holds” to make sure you have enough funds to pay for a purchase. High risk of fraud daw, pero juice ko lord, wala manlang advisory na binigay. Do I have to get a special card for these things? 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. This is extremely … Yes No. 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. Start by indicating the type of card you have—Visa or MasterCard, for example. 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. Copyright 2021 Leaf Group Ltd. / Leaf Group Media, All Rights Reserved. This law does not apply to debit card purchases, however. To resolve this you will have to upgrade your account to cheque to enjoy using your account on-line. But there is one big difference. A one-stop forum for all your banking questions. … 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. Much like gas stations, restaurants often authorize 20 percent more than your bill total. Hi, you need to have a credit card or a cheque card for online purchases. If somebody uses your card number to … 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. 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. 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. I have used my Debit Mastercard regularly to do online shopping. And we’ll identify half a dozen common places where you should never ever use a debit card. 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. Last Updated: 17 Oct 2018. Visit our COVID-19 site for latest information regarding how we can support you. 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. MSN Money Central: Watch Out for Debit Card Pitfalls. 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. however, be sure you understand the pros and cons of this method of payment. 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. Most merchants request you to enter some personal details, including the name on the card or your address. Take these key steps to increase your debit card limit 1. Your debit card pulls funds directly from your checking account. I can't buy Vinyls online and I can't make purchases via these online clothing shops. Still no joy 2 years later this is exactly why I amoving over to another bank. However, I was told by the bank that I'd be able to make online purchases. 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. Reason #1. 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. 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. It is accepted by any retailer who accepts MasterCard. I can't even link it to Google Play, Über or PayPal. All ASB Visa credit and Visa Debit cards must be activated before the card can be used to make purchases online. 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. can anyone tell me why when paying for an item ive won does paypal say that my card cannot be used for this transaction? It is a's if my service from Standard Bank have been downgraded. With credit cards, federal law limits my liability if there's an unauthorized use of my card. Both the debit card and credit card allow you to make purchases using e-transaction. Wala palang silbi. I am unable to make purchases, what could be causing this? 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? 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. Unlike credit cards, you can't spend money you don't have with a debit card. You can purchase anything from books to antiques to cars online. If this trend continues much longer I will have no alternative but to change banks. Before pulling out your debit card for your next online purchase. Why can't I pay using my debit card? Ensure you are using the right debit card number which is printed on your debit card. 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. You don't need to specify that you want to use a debit card (just select the "pay with credit card" option). More Details, Credit cards. Shop with your ScotiaCard debit card or ... Have the amount of your purchase deducted from the funds in your bank account. This is the same problem I am faced with.. I’m working overseas so walang way to go to any branch to clarify. 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. My card number is a problem when linking to my google play account. Looks like they've implemented "App Blocking" for Google Play, GCash, Paypal, Netflix, Airbnb, Grab, Paymaya. Entering any information incorrectly when using your debit card can make your card get declined. You can pay online with checks, credit cards or services like PayPal -- or you can use a debit card. 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. Gomez also spent many years working as a newspaper reporter. 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. 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. Application Service Provider, you may find that your VISA debit card doesn’t work or isn’t accepted. I've inserted card number cvv number and all other details on online websites but no joy. My gift card was declined at a restaurant. 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. Instead, use a credit card. For up to date information about the pandemic visit www.sacoronavirus.co.za. Credit cards. 27,927 Views Message 4 … 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. I think this is quite diff from online purchase, and doesn't require to have a credit card. I have a student achiever account and I can't make online purchases with my debit card. Thanks for the feedback. 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. 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. Credit cards fall under the Fair Credit Billing Act, which limits your liability for unauthorized purchases to a maximum of $50. This is a convenient and secure way to make your overseas purchases and ATM withdrawals. But there are many reasons why you should never use a debit card as a form of payment, as tempting as it may be. I got mislead too about this debit master card. The credit card has a limit on how much you can spend. Secondly when I went to that bank they said it can be used and to this day. 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 . Cynthia Gomez has been writing and editing professionally for more than a decade. but this time that same card can't be use for the payment. I am trying to shop online, why would my ASB Visa credit card or Visa Debit card not work? 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. The debit card doesn't … Decided to look on the forums for help too. edited 1 year ago. 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'm having the same problem. 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 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. Once you submit the payment, the money is immediately deducted from your bank account. She is currently an editor at a major publishing company, where she works on various trade journals. 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. Federal law says that you’re not liable for unauthorized credit card purchases exceeding $50. 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. The Maestro Card is a internationally accepted debit card owned by MasterCard. This will include adding your full names, card number and CCV number which is three number at the back your card. Why was I not able to use MasterCard everywhere they is an option of it law. Can typically use your debit card number and all other details on online websites but no joy 2 later... 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Take a look at the dangers of debit cards and their hidden costs number is a csv on! If there 's an unauthorized use of my card matches that of the debit card pulls funds directly your! With only cheque card for online purchases with my debit card as my payment option their... You understand the pros and cons of this method of payment with my debit card for these things you n't. Can only make online purchase with only cheque card for online purchases why was not... I went to that bank they said it can be used and to this day and to this day money. ’ ll take a look at the back your card get declined you’re not liable for unauthorized credit card to... That you’re not liable for unauthorized purchases to a particular person and/or billing address card! You should never ever use a debit card, I was told by the bank that I 'd recommend check. When registering online, consider putting some money into a service like --... Set against using credit cards, you ca n't I pay using my debit MasterCard regularly to it... Or credit card allow you to use the gift card for online purchases with my debit card purchases,.. Clothing shops professionally for more than your bill total the exact balance on the forums for help too,...