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Error messages

1. Message: Unknown card / Card declined / Card not allowed
2. Explanation: This message can appear when attempting a contactless payment. Some terminals do not recognize that the Spend Cloud Card is both a Maestro and Mastercard.
3. Solution: Insert the card into the payment terminal and select Maestro. Often, this is done by pressing the yellow "Correction" button first. Instructional videos for various terminals and extra information about these errors can be found in the article: Why is my Spend Cloud Card Declined in Stores?

1. Message: Card XXXX cannot be used in “Country name”
2. Explanation: The transaction is being attempted in a country where payments are not allowed. You can check the permitted countries in the card settings.
3. Solution: Contact your application manager or the financial department of your organization to authorize this country. More information on adding countries can be found in the following article for application administrators: Countries.
   

1. Message: The pin code is incorrect
2. Explanation: The entered PIN code is incorrect.
3. Solution: Check your PIN code in the Spend Cloud app and enter it during payment. For more details, refer to the article How to View Your PIN Code. If you recently changed your PIN, see the article Important Notes When Changing the PIN Code for Spend Cloud Cards. If you cannot view your PIN, contact your application manager, financial department, or organizational contact.
   
   

1. Message: Your card XXXX is Blocked
2. Explanation: Your card is temporarily blocked, possibly due to multiple incorrect PIN attempts or an organizational block.
3. Solution: Unblock the card via the card settings. Refer to the article How to (Un)Block a Card. If you don’t have permission to unblock the card, contact your application manager, financial department, or organizational contact.

1. Message: The card XXXX is not active / The card was not activated. Activate the card in the menu Cards or Cardmanagement.
2. Explanation: This message indicates that the card has not yet been activated.
3. Solution: Activate the card via the card settings. Refer to the article How to Activate a New Spend Cloud Card. Note: The instructions are the same for bunq cards. If you cannot activate the card, contact your application manager, financial department, or organizational contact.

1. Message: Online payments confirmation with Card XXXX is not yet activated. Activate confirming online payments in the card settings.
   
2. Explanation: Online payments often require confirmation as an added security step. This confirmation is done through the Spend Cloud app.
3. Solution: Activate online payment confirmation for the card in the Spend Cloud app. Refer to the article How to Activate Online Payment Confirmation in the Spend Cloud App. Please  be informed that a webshop does not have to enforce this extra authentication for a payment, and therefore some payments may be done without having to confirm them via the Spend Cloud app.
   
   

1. Message: The payment was not properly verified by the store / This payment is cancelled.
2. Explanation: The payment was either canceled, or the required verifications were not completed. Payments can be canceled by the cardholder or store at the terminal. Poor connectivity during online payments can also cause this. Lack of verification may include failure to request a PIN code at a terminal or CVC code/expiration date online, or not enforcing 3DS (confirmation via Spend Cloud app).
3. Solution: Try again or make the purchase elsewhere.

1. Message: Cash withdrawals are not permitted with Card XXXX. Contact your administrator to enable cash withdrawals.
2. Explanation: Cash withdrawals are not allowed with your Spend Cloud Card.
3. Solution: Use the card to pay in stores, or contact your application manager, financial department, or organizational contact to enable cash withdrawals.

1. Message: Online payments are not allowed with Card XXXX. adjust the settings in card Settings. / The payment method (online payments) was not allowed.
2. Explanation: Online payments are not enabled for this card.
3. Solution: Contact your application manager, financial department, or organizational contact to modify the card settings.

1. Message: The payment was not properly verified by the store. therefore, it is being declined for security reasons
2. Explanation: The transaction required additional verification, which the online store failed to perform, resulting in the payment being blocked.
3. Solution: Try again or use a different online store.

1. Message: Your payment exceeds the daily limit
2. Explanation: The attempted payment exceeds the daily spending limit set by your organization or the bank account’s daily limit.
3. Solution: Make a smaller payment or contact your application manager, financial department, or organizational contact to increase the daily limit. In the Spend Cloud app you can view your daily limits, refer to the following article for more information about this: Card settings in the app

1. Message: Card XXXX cannot be used in this store for security reasons, because it is based in "Country"
2. Explanation: The Spend Cloud Card cannot be used in the specified country or webshop location for security reasons.
3. Solution: For physical transactions, pay in cash or use another card. For online transactions, try a different webstore.

1. Message: The payment terminal does not accept magnetic stripe payments. Try contactless payment or insert the card
2. Explanation: The terminal does not support magnetic stripe payments with this card.
3. Solution: Use contactless payment or insert the card into the terminal. In the following article you can read more about contactless payment limits: Limits for contactless payments.

1. Message: Your payment exceeds the limit for contactless payments. Try again by inserting the card and entering Your PIN
2. Explanation: Contactless payments have a limit per transaction and for following up transactions without a PIN-code. Payments above this amount require PIN entry.
3. Solution: Insert the card into the terminal and enter your PIN. In the following article you can read more about contactless payment limits: Limits for contactless payments.

1. Message: No CVC code or an incorrect CVC code has been entered. The CVC code is on the back of the card or under “Card details” in the Spend Cloud app
2. Explanation: Online payments require the CVC code, which was not entered or entered incorrectly.
3. Solution: Check the CVC code on the back of the card or under “Card Details” in the Spend Cloud app, and re-enter it to complete the payment. Refer to the following article on how to view your CVC code in the Spend Cloud app: Card settings in the app
   
   

1. Message: Card XXXX has been blocked because the wrong CVC code was entered too many times
2. Explanation: The CVC code was entered incorrectly multiple times during online payments.
3. Solution: Verify the CVC code on the back of the card or in the Spend Cloud app. Unblock the card and retry the payment, or contact your application manager, financial department, or organizational contact. Refer to the following article on how to view your CVC code in the Spend Cloud app: Card settings in the app

1. Message: Payments at this store are categorized under MCC code (MCC category), and for security reasons, they are not permitted
2. Explanation: Each store or webshop is categorized by an MCC code. Payments are restricted for this category, or limitations are imposed on this MCC code for security reasons.
3. Solution: Make the purchase elsewhere. More information about MCC codes can be found in the following article for administrators: General Information on Adyen Balance Accounts.
   
   

1. Message: The balance of the bank account is insufficient
2. Explanation: The linked bank account has insufficient funds.
3. Solution: Contact your application manager, financial department, or organizational contact.