There could be a number of reasons a transaction was declined. This article takes you through some scenarios.
The below article is specifically designed for Administrators. Users are advised to refer to this help article for further assistance.
There are a few scenarios of why a transaction on your user's Budgetly card may have been declined. As an Admin, you have access to action logs, which will show most declined transactions and their reason for decline.
See our page on action logs with examples here.
Reasons for declines
If a transaction is declined in store, it is important that your user keeps the declined receipt. If it was an online transaction, take a screenshot of the declined message. Reattempt the transaction, in case it was a machine or connection error.
Then, check their budget balance and confirm there are adequate funds.
If the budget has enough money to cover the purchase, then it could be the overall company balance that is too low. You check the action logs, as it will show the reason for decline.
If neither of the above are reasons for the decline, it could be a EFTPOS or card error.
You can of course reach out to our friendly support team to help you investigate.
When contacting us, please provide a copy of the declined receipt or screenshot.
Fees
If a transaction is declined, there will be a fee of $1.00 charged by Budgetly, which will be included in your monthly invoice. If you have any questions when you receive your invoice, please contact your account manager or our support team for assistance.
To better understand your invoice, we suggest reading this helpful article.
Summary
In summary, there are several common reasons why a transaction may be declined. These include:
- Insufficient funds in the current Budget
- Incorrect PIN entered
- Insufficient funds in overall company balance, which can be confirmed by Admin
- If decline is an ATM withdrawal attempt, it could be because ATM withdrawal has been turned off by your Budgetly Admin
- Connection error between merchant and card provider
- If online: internet connection issue
Some less common scenarios could be:
- Outage of merchant bank
- Prepaid cards not accepted by merchant*
- Budgetly outage
*Please report any merchants that will not accept the card to Budgetly by sending an email to support@budgetly.com.au
Still need help? Click here to get in touch with our friendly Support Team.