If you cannot use your card for international e-commerce transactions:
- First, make sure your card's e-commerce authorization is enabled. (At some banks, e-commerce authorization is managed separately for domestic and international transactions. This should be checked carefully.)
- Your card's 3D Secure registration may not have been completed. (Some banks obtain their ACS service from BKM. In this case, the card and mobile phone information must be kept in the BKM system.)
- Although unlikely, the bank's authorization system may be down.
- The issue may originate from the merchant's acquiring bank. In that case, there is not much the cardholder can do.
- Call your bank's customer service to find out the specific reason the transaction failed.
Other possible reasons
- Insufficient limit or balance: If the transaction amount exceeds the card's available limit, the transaction is declined. In international transactions, the amount may be higher than expected due to exchange rates and bank fees.
- Incorrectly entered card details: Entering the wrong expiration date or security code is one of the most common reasons.
- The bank's security checks: Transactions made from a country where the card has not been used before, or for an unusual amount, may be blocked by the bank's fraud prevention system.
- Card type restrictions: Some prepaid cards and debit cards may be closed to international online transactions.
If you are having trouble with 3D Secure verification
In 3D Secure transactions, the bank sends a one-time password to the cardholder's mobile phone or requests approval through a mobile app. If the phone number registered with the bank is not up to date, the password will not reach you and the transaction cannot be completed. In this case, you need to update your contact information with your bank.
What you can check before calling the bank
Most banks allow you to turn the card's online shopping and international usage permissions on or off through their mobile app. In addition, declined transactions can often be viewed in the app along with the reason for the decline. This information helps you understand whether the problem is on the card side or the merchant side.
