Why Can’t I Use My Debit Card for Online Purchases

Although online shopping is booming, there can be technical problems with payment methods. Are you having trouble using your bank debit card to make online purchases? Yes! It is almost all the time. Because of the internet, certain things are possible that can’t be done before. People can also connect to social media platforms! The internet has made shopping easier as they can order their favorite products right from their home. In this article, your question “why can’t I use my debit card for online purchases, will be answered.

Banks have a security feature that protects your card against misuse online. Your card will stop you from making the transaction once your card information is submitted to internet sites. You should contact your bank to confirm that you are not penalized for the transaction.

Additionally, you’ll learn how to identify it and what you can do about it. Continue reading to find out more.

Why Can’t I Use My Debit Card for Online Purchases?

There are instances when your ATM Card and bank debit card might not work online. Here is a list of possible causes and solutions.

  • Insufficient funds
  • Reach your daily withdrawal limit
  • The card has been cancelled
  • The transaction was suspect to your bank
  • You’ve made an international purchase
  • Technical issues
  • You haven’t activated the card yet
  • Your card was removed by the joint holder

Insufficient funds

The most common reason for which you can’t use your bank debit card is that you have insufficient funds in your account. If you don’t keep your eyes on your spending regularly, you may run out of your cash and not be alert. You can still proceed with the transaction even if you have excess funds protection. This protection protects your withdrawals even if there is less in your account. 

How to fix it

You can manage an insufficient bank balance by using online banking or a mobile application. 

Your daily withdrawal limit may be exceeded

Many banks have placed a 24-hour withdrawal limit on clients accounts. This protects customers’ funds from fraudulent activity. You might have exceeded your daily withdrawal limits, which could explain why your card has been declined.

How to fix it

Your merchant may allow you to raise your daily limit if your plans include large online purchases and disbursements. You might also inform your bank that your purchase budget is exceeded.

Your card’s validity has expired.

You will be denied access to your ATM card if it is expired.

Many people, for instance, search the internet to find out why their Venmo and EDD debit cards transactions were successful. They may consider all options, but the card’s expiration date does not register in their brains.

How to fix it

Keep an eye on your bank debit card’s expiration date. Once you have been informed about the expiration date, you can request a replacement card.

The transaction is being questioned by your bank.

If a bank issues a debit card, they can halt transactions if they suspect that something is amiss. Most often, it is due to excessive expenditure.

This security feature is used to delay payments but protect you in the event that your bank debit card is taken by someone trying to steal it.

How to avoid it

You should inform your bank before you make large payments or withdraw substantial amounts of money to obtain preauthorization.

You have made an acquisition abroad.

If you’ve engaged in any odd conduct, such as an overseas purchase, you won’t be able to use your bank debit card. MasterCard can be used for online transactions.

This means that your card could be stolen and used anywhere on the planet to transact.

You can also cancel or suspend a Bank of America payment. For a reversal of a payment, please contact your merchant directly. You can request that the merchant stop charging you if they disagree.

How to avoid it

Inform your bank about where you are going. This will ensure that the institution does not allow you to keep money on you.

Technology issues

Sometimes transactions may be delayed due to technical reasons.

You might see them going through,

  • Power outages in wireless card readers
  • Transactions that are deemed too complicated
  • Slow Internet connections

How to fix it

You might not be able to control these issues because the blame lies with your bank or merchant. However, you can:

  • You can choose to use a different terminal.
  • Give it another try.
  • Wait for the system’s ability to run before you go.

You haven’t activated the card yet

Many banks permit cardholders to activate their prepaid cards. Calling a specific number, or withdrawing money at an ATM are some examples of instructions. 

How to fix it

This will save you time and hassle. For assistance, contact your bank.

Accessing the Apple Watch app from your phone allows you to use a bank account on an Apple watch. With a touch of my watch or Wallet, you can then pay Apple with your credit card. If you’ve recently deleted debit cards from your other Apple devices, touch Add beside a card, then input the CVV.

Your card was removed by the joint holder.

If you share a joint account, such as one with your spouse or another person, you lose the ability to use the card. Many banks permit one spouse to remove a debit card from the other without the consent of the bank. This prevents fraud. This can work in your favor if the card is stolen as you can ask the other person to delete the account. If the other person disables your bank debit cards, you won’t be able to make online purchases, or withdraw funds.

How to fix it

If you are involved in a shared transaction, it is a good idea to notify the other party. Additionally, you might stipulate that any significant changes, such as the deactivation of debit cards, require your signature.

Continue reading: What age do you have to be to get a debit card?

Why Can’t I Use My Debit Card for Online Purchases: FAQs

How can I make my debit card eligible for online purchases?

Online purchases can be made with your bank’s debit card, but they are not as convenient as debit cards. When you shop online, credit cards are more secure than debit cards.

Can I use my debit to make online purchases with my credit card?

You can use your bank debit card to pay online for purchases. You don’t need to specify that you want to use your bank debit card; select the credit card option to pay.

Do I need to activate my debit card in order to make online purchases

To activate a debit card to make online purchases, simply insert the card into an ATM and enter your PIN. To verify that your card works, you can withdraw money or check the balance. Activating your bank debit card can be done by some banks. You will need your PIN the first time you make a purchase.

How can you repair a debit card that has been declined?

You must first determine why the debit card was declined. Your bank or Credit Card Company may be able to share the reason behind the declined payment with you. It would be a good idea to get in touch with your bank or credit card company.

Online purchases can a Visa debit card still be used?

You can use your bank debit card to pay for online purchases, just as a debit card. You don’t need to specify you are using a “debit card”; select the “pay with credit card” option. First, indicate the type card you have.

Why is my payment method being declined?

The main reason for the payment’s declination is that your card is registered to a different address. Verify that the zip code corresponds to your current address. If it isn’t, you can update the address.

Why should a bank deny a transaction

A bank may decline to approve a transaction for one of two reasons.  To begin with, the transaction was denied by the customer’s credit card issuing bank. All possible scenarios include insufficient money, blocked account, inaccurate credit card details or expired card.

How do I activate my Visa Debit Card Online?

Go to the bank’s official website for online activation of debit cards. Sign in, and click on the “customer services” tab. Next, click on the “customer services” tab. Follow the instructions. 


To wrap up the article, why can’t I use my debit card for online purchases? You can’t use your debit card or credit card to make online purchases if it is declined by your bank. You need to make the necessary changes at the correct time and connect with the bank in order to overcome this situation. The bank will help you make online purchases and withdraws. You can also fix your prepaid cards or cater for emergencies in case of non-resolved debit card issues.

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