If your card update is not failing due to the most common reasons listed in this article, here are the additional issues that may be causing the update to fail. Splitit cannot assist with these issues, so you should partner directly with your Bank or Credit Card provider:
- Incorrect Payment Information: errors in entering payment details, such as the card number, expiration date, CVV code, or billing address, can lead to a decline. It can also be due to a billing address mismatch, where your billing address entered does not match what is on file with your financial institution. Double-check all information before submitting the transaction. Ensure that the billing address matches exactly what the card issuer has on file, as even small discrepancies can trigger a decline. Contact your bank to confirm the address on file and ensure you are entering it correctly.
- Card Expiration: If your credit card is expiring soon two things will happen. 1) Splitit will email you when your card on file is expiring within the next month. This will prompt you to update your card in the Shopper Portal. 2) Your card issuer should send you a new card in the mail before the old one expires. In many cases the credit card number remains the same, it is just the expiration date and the Card verification value - CVC or CVV - that has been updated. As with all of your recurring payments, this card needs to be updated in the Shopper Portal to reflect the new expiration date and CVC or CVV code.
- Daily Spending Limit: some credit cards have daily spending limits, which, if exceeded, will result in a decline. The cardholder can contact their bank to request a temporary increase in their daily spending limit or use another payment method.
- Authorization block: some card issuers may temporarily block transactions that fit certain patterns, such as high-frequency or high-value transactions, especially when they occur in quick succession. The cardholder should contact their card issuer to lift the block and verify the transaction.
- Suspicious Activity: credit card companies are vigilant about detecting fraud. If a transaction seems out of the ordinary, the issuer may decline the transaction to protect the cardholder. The cardholder should contact their card issuer to confirm the transaction and verify their identity. In some cases, they may need to temporarily lift restrictions on their account.
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3D Secure Authentication Failure: some online transactions require additional verification through 3D Secure (e.g., Verified by Visa, Mastercard SecureCode). If the customer fails to complete this step, the transaction will be declined. The customer should follow the instructions provided by their bank for completing the authentication process. If they encounter issues, they should contact their bank.
Card update still not working? Fill out this contact form and select “I have a query about a transaction” > “I want to update my credit card details'' as the Contact Reason. We will do our best to assist in helping you resolve this situation.