Why is my Mesh card being declined?

Several reasons may result in a card decline.

Mesh sends dedicated notifications for each declined transaction, helping customers understand what needs to be done to complete transactions successfully.

A few possible decline reasons and ways to correct them are listed below:  

1. Incorrect payment information: an error typing/entering the correct card's information (e.g., CVV, expiration date, Zip Code, card PIN code, 3DS code, etc.). Note: Some are needed for card present (in-person purchases) and others for card not present (online purchases). 

- Check your card's information and try again. 

2. A malfunctioning merchant hardware (e.g., POS) that is unable to read the Mesh Plug & Pay™ physical card (e.g., chip or magnetic strip), or the details of a virtual card when tapping your phone (i.e., digital wallet) and using the NFC protocol.  

- Try again or purchase the product/service online from the same merchant.

3. A transaction amount that is higher than the remaining balance on your card. 

- Check your card's balance and issue a Card edit request to change the card's amount limitation.  

4. A transaction amount that is higher than the remaining balance on the budget that the card is connected to. 

- Contact your Mesh Admin and ask to edit the budget. 

5. A transaction amount that is larger than the remaining balance for your company. 

- Contact your Mesh Admin and advise to add funds (i.e., Load a Balance) to the account.

6. An expired or deactivated card: A card that expired or was suspended or canceled. 

- Check the card's status and ask your Admin to reactivate your suspend card. Note a canceled card can not be reactivated. Request a new card.

7. A restriction (e.g., max amount per transaction or restriction to a certain currency) on the card that your Admin set 

- Contact your Mesh Admin and ask to change the card's limitation. 

8. An attempt to transact with a card that is limited to a merchant or a certain Merchant Category Code (e.g., trying to purchase an item at Target with a card restricted to gas dispensaries). 

- Request a new virtual card.

9. A transaction that the card network flagged as risky or fraudulent and therefore declined.

- Contact our support via email at [e-mail] 

10. A merchant that does not accept the Mesh card payment (e.g., a Tourist card). 

- Contact our support via email at [e-mail] 

Note: Do you require additional assistance? 

Contact our support via email at [e-mail] and provide the following information:

• The last 4 digits of the card
• The name of the vendor
• The date and amount of the transaction