View transactions via the card transactions button and frequent errors with failed payments

View transactions via the card transactions button and frequent errors with failed payments

The button 'Card transactions'

The button 'Card transactions' can be found in Application Management / Cash & Card / Card management. Through this function, you see an overview of all successful and failed transactions registered by a (payment) terminal or online payment method.



Filters and overviews

On the left side of the card transactions section, you can filter transactions based on the associated book, period, transaction result, and administration. At the top of the page, there are options to generate an overview in CSV, Excel, or PDF format.



Payment description

In the payment description of each transaction, you can see the merchant category code (MCC) and the country where the payment was made or where the webshop is registered. You can find more information about MCC codes in this article.



Result and explanation errors

The result of the transaction indicates whether it was successful or failed. For a successful transaction, the message "this transaction was successful" is always displayed.
If the transaction is unsuccessful, a refusal reason is provided. In the following article we have documented the errors users see when a transaction is refused. They receive a push notification or an e-mail with the reason of declining: Common errors for failed transactions

Here is an overview of the most common reasons with explanations:

  1. Error message: Your card cannot be used in this web store or country. If desired, add this country to the allowed countries in card management.
    This message means that the country ,where the transaction was made or the location of the webshop, is not allowed. Check which country is indicated in the description or the result, and if necessary, add it to the list of allowed countries in card settings. You can find more information in this article.

  1. Error message: The transaction is blocked because this MCC is not allowed.
You can find more information about this in this article.


  1. Error message: The daily limit for this payment method has been reached.
The daily limit is determined based on the maximum balance set in the card settings and the available balance in the book. This message is displayed when either of them is exceeded. Check the daily limit in the card settings, the available balance in the book, and increase them if necessary.

  1. Error message: The payment method (MOTO) was not allowed.
    MOTO is an old-fashioned form of credit card payment that is highly susceptible to fraud, so it is generally declined by default. If you want to allow MOTO payments or need more information, please contact our support department.

  1. Error message: The payment method (online payments) was not allowed.
    Go to card or book settings and activate the option for online payments if desired. Refer to this article for more information.

  1. Error message: The card was not activated. Activate the card in the card or card management menu.
    Refer to this article to learn how to activate Spend Cloud cards and this article to learn how to activate bunq cards.

  1. Error message: The PIN was entered too many times, and therefore, the card is blocked.
    Cardholders can unblock their card via the Spend Cloud app, or via the 'Cards' menu within the webversion of Spend Cloud if they have the appropriate rights. Application managers can unblock a temporary blocked card via the Aplication management / Card management button by clicking the three dots next to the card.

  1. Error message: The PIN was incorrect. Please check it and try again.
    In this case, the PIN was entered incorrectly. Check if the correct card is being used and, if necessary, verify the PIN through the app or web version. Please note that this can only be done by the user with the appropriate permissions and listed as a cardholder in the role.

If you encounter a different error message not listed in this overview or if you have any questions about the Card transactions section, please contact our support department (for application managers only).

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