Your SpritzCard payment may have been declined for one or more of the following reasons:
Charge Type Error: The transaction might have been processed as a 'debit' charge when it should have been processed as 'credit'. Always charge your SpritzCard as credit when given the option.
3DS Verification Requirement: Some merchants mandate 3D Secure (3DS) verification for transactions. If a merchant requires this added layer of security and it's not supported or provided during your transaction, the payment could be declined.
Insufficient Funds: Ensure you have enough funds loaded onto your SpritzCard before purchasing. If the amount on the card is less than the total transaction amount, the payment will be declined.
Merchant Restrictions: You can use your Virtual Credit Card (VCC) with most merchants. However, there is a very limited set of merchants where the VCC is not accepted due to specific Merchant Category Codes (MCC). These include:
MCC 4829 (Money Orders, Wire Transfers): This applies to services like Western Union, MoneyGram, or similar platforms used for sending money or purchasing money orders.
MCC 6012 (Financial Institutions, Merchandise, and Services): This category includes payments to financial institutions such as banks for loan repayments, funding another credit card (e.g., PayPal Credit, Venmo balance transfers), or transactions involving brokerage and investment services.
*It’s important to note that adding your VCC to wallets like Apple Pay or Google Pay should work, as this is not considered a transaction under these MCCs. However, attempting to send money via Apple Cash using the VCC will not work, as it falls under restricted MCCs.*
Does my SpritzCard come with a PIN number?
Your SpritzCard does not have a PIN number as it is not a debit card. If you are asked for a PIN number, try running the card again as a credit charge instead!
If you've checked the above and are still facing issues, please contact our customer support for further assistance.