Declined transactions
Why a Fundly card payment can be declined, what each reason means, and how to fix it.
First, check the notification
Every decline sends a notification with a reason. Open it in the Fundly web app at app.fundly.xyz before doing anything else. Most declines are solved in under a minute. Cards are issued by [PARTNER], and some declines come from their risk systems or from the merchant rather than from Fundly.
Common reasons and fixes
| Decline reason | What it means | What to do |
|---|---|---|
| Insufficient balance | The payment plus any FX fee is more than your balance | Deposit more, then retry. See Deposits overview |
| Card frozen | You or Fundly froze the card | Unfreeze it in Cards |
| Over card limit | The payment exceeds a limit you set | Raise the limit in Limits |
| Over tier limit | You reached the monthly or per-transaction ceiling for your level | Verify your identity or wait for the month to reset |
| Merchant category blocked | The merchant's category is blocked on this card | Remove the block, retry, put it back |
| Online payments off | The card is set to in-person only, or the reverse | Change the toggle on the card screen |
| Wrong details | Card number, expiry, CVV or 3-D Secure code entered incorrectly | Re-enter carefully; check for a new CVV after a card replacement |
| Merchant does not accept this card type | Some merchants refuse prepaid-type cards | Use a different card or contact the merchant |
| Suspected fraud | [PARTNER] risk systems flagged the payment | Confirm the payment in the app when prompted, then retry |
Tier limits explained
Instant cards have monthly limits set by our partner and regulators. At launch that is roughly 1,000 to 2,500 EUR equivalent per month and about 500 EUR per transaction. A single hotel booking or a laptop can hit the per-transaction limit on its own. Verified accounts have much higher limits, up to card-scheme limits per transaction. See Instant vs Verified.
Holds and pre-authorisations
Hotels, car rentals, fuel pumps and some marketplaces place a hold that is larger than the final bill. The hold reduces your available balance until the merchant settles, which can take up to 7 days. If your balance looks lower than expected, check Pending in your transaction list.
3-D Secure confirmations
Many online payments ask you to confirm in the app. If you do not confirm in time, the payment is declined with Not confirmed. Keep notifications on and stay logged in on the device you use for confirmations. See Account security.
Declines while travelling
Fundly cards do not need travel notices. If your payments are declined abroad:
- Check the notification reason.
- Make sure the merchant is not in a blocked category.
- Remember that an FX payment includes the FX fee. See Fee schedule.
- Try chip and PIN instead of contactless.
When to contact support
Contact in-app support chat if:
- The decline reason is Contact support or Card restricted.
- The same merchant is declined repeatedly with no clear reason.
- You see a decline for a payment you did not attempt. In that case, freeze the card first, then read Lost or stolen card.
Fundly is a financial technology company, not a bank. Limits and fees described as “at launch” are proposals and may change.