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why can't i use my prepaid visa online

by Palma Price Published 3 years ago Updated 2 years ago
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Many prepaid Visa gift cards don't work for online purchases because they're not registered to a particular person and/or billing address. You have to check with the company that issued the gift card to find out if you can register it to your name and address or not.

There are a number of possible reasons why a purchase could be declined: You don't have enough money left on your card. You haven't activated or registered your card. The address you gave to make an online or phone purchase is different from the address you have on file with your prepaid card provider.Sep 4, 2020

Full Answer

How much money can you put on a prepaid Visa card?

Given below are some of the best no limit/high limit prepaid debit cards:

  • PayPal Prepaid Mastercard – $15,000
  • Brink’s Prepaid Mastercard – $15,000 Limit
  • Netspend Prepaid Visa – $15,000
  • NexsCard Prepaid Visa – $20,000 Limit
  • CashPass Visa – $20,000 Limit

How do you activate a prepaid Visa card?

Method 2 Method 2 of 3: Activating the Card Through Your Bank

  1. Call your bank to have a representative activate your card. Call your bank and provide the required information to verify your identity.
  2. Use your bank’s mobile app to quickly activate the card yourself. If you use a mobile app for banking, open the app and log in to your account.
  3. Go to your bank’s website to activate your card online. ...

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Is it possible to pay with a Visa prepaid card?

Visa Prepaid card is the quick, easy, and secure way to pay online or in-person—24 hours a day, 7 days a week. The all-purpose Visa Prepaid card is a reloadable prepaid card that you can use to withdraw cash, pay bills, or make purchases at participating retailers and service providers, in-person or online.

Should you use a prepaid Visa card?

The advantages of prepaid cards are obvious: they’re safer than cash, easy to get, universally accepted and convenient to use. Some prepaid cards can even save you on exchange fees if you pre-load them with the local currency before you leave home.

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Why can't I pay online with my Visa Gift Card?

If you have a problem using your gift card for online or telephone purchases, the most likely reason is that the merchant's fraud screening process is matching the billing information entered at checkout with the billing information on your gift card account. If the addresses don't match, the card may decline.

Can you use a prepaid Visa card for online purchases?

A reloadable Visa Prepaid card is the quick, easy and secure way to pay online or in person. The all-purpose Visa Prepaid card is a prepaid card that you can use to withdraw cash, pay bills or make purchases anywhere Visa Debit cards are accepted, in-person or online.

How do I activate my prepaid Visa card for online purchases?

Activate OnlineNote the Web address for activation on the prepaid card's packaging, or on the sticker pasted on the front of the card.Open a Web browser and enter the activation URL into the address bar. ... Click the “Activate Card” option. ... Type the prepaid Visa card number into the corresponding input boxes.More items...

Why can't I buy stuff online with my prepaid card?

There are a number of possible reasons why a purchase could be declined: You don't have enough money left on your card. You haven't activated or registered your card. The address you gave to make an online or phone purchase is different from the address you have on file with your prepaid card provider.

What can I buy online with a prepaid card?

Since prepaid cards are associated with major card networks — Visa, Mastercard, American Express and Discover — they can be used anywhere debit cards can: to buy groceries, fill up on gas and even pay bills online.

How do I verify a prepaid Visa card?

Start by looking at the back of your gift card. Typically, you'll find a toll-free number you can call to discover your balance. Or you can check your balance by visiting the card issuer's site and entering your card's 16-digit number and security code.

How do I know if my prepaid card is activated?

The first time you use your card at an ATM, it's activated. If you don't want to withdraw or deposit any money, select "Check balance." Once you've completed your first use of an ATM with your card, it will be activated.

How do I know if my Visa card is activated?

Ask customer support if it is active One way to check if your card is active is by calling your card issuer's customer support phone number and asking. This number is usually listed on the back of your card. Besides maybe a few seconds of hold time, this is the quickest and easiest way to check the status of your card.

How do you use a prepaid gift card online?

You can use your card for online purchases by entering the card number, expiry date and the 3 digit code (CVV) found on the back of the card. Occasionally websites will ask for the name on the card, in these instances simply insert “Gift Card” in the field provided.

Where are Visa gift cards accepted online?

Because a Visa Gift Card functions like a credit card, it can be used anywhere that Visa cards are accepted, including online purchases — though it will likely need to be registered online or by phone, prior to use.

Can I use a prepaid Visa card on Amazon?

Amazon accepts Prepaid VISA Card Unlike any other debit or credit card, Amazon accepts prepaid VISA cards for online shopping. It just demands the necessary details like card number, expiry date to store in its database for a future order, or making a purchase.

How does a Visa prepaid card work?

A prepaid Visa debit card is a card that is preloaded with a set amount of money. You can use it to pay bills, withdraw cash or make purchases. Prepaid Visa debit cards aren't linked to a checking account like a traditional debit card — you can only spend the balance connected to the card.

Why is my purchase declined?

There are a number of possible reasons why a purchase could be declined: You don’t have enough money left on your card. You haven’t activated or registered your card.

Can I share my PII?

Please do not share any personally identifiable information (PII), including, but not limited to: your name, address, phone number, email address, Social Security number, account information, or any other information of a sensitive nature.

Why don't merchants accept prepaid cards?

If a merchant sees too many chargebacks or fraud from a certain card provider or just prepaid cards in general, they may choose not to accept it as a form of payment. Common examples of this are car rentals, some hotels, etc. where they could incur costs outside of the initial purchase, and accepting a prepaid card might be riskier than a traditional debit or credit card. Prepaid cards, in general, usually have a higher return rate than debit/credit cards, so some merchants have decided it’s just not wort

How to verify a prepaid card in India?

If u r in india there will be a second step of verification like one time password that will be sent to your registered mobile number with the prepaid card or password depending on the card issuer (this step is known as vbv=verified by visa) as you know. Once you enter it correctly your transaction will be successful.

How to get a prepaid card for MC?

You need to get a prepaid card that is registered. When you buy the card , you go online and register it. In about a week you will get a card in the mail with your name on it. What you have is a MC gift card…only for shopping where the card can be swiped .

What happens if you don't give your billing address to the card company?

If you didn’t give the card company your billing address, then they can’t verify the card belongs to you and can’t accept the card. In the meantime, you may see a temporary “pending” charge for a few days or longer that the merchant can’t reverse, because they can’t collect on the charge. (It’s frustrating, but it eventually goes away.)

How long does it take to get a new credit card?

You have to register the card. Then in about a week or 10 days you will receive a card in the mail (address you used to register the card)

Can prepaid cards be spent elsewhere?

For example, some prepaid cards are intended only to be spent at a certain store, and won’t work if you use them elsewhere.

Do you need to provide cardholder name for online transactions?

Ideally you need not to provide card holder name for any online transaction. Bank/Payment gateway mandate only CardNumber, Expiry and CVV fields. However Merchant or Payment Processor have top over setting to collect card holder name. So if Merchant mandate the cardholder name then you need to fill the detail. But you can put any name in that place.

Why use a prepaid Visa card?

Using a prepaid Visa card for online purchases eliminates the chance of problems with your checking account if your debit card information is stolen in transit while you're making Internet purchases.

Why do people use prepaid cards?

Many people choose to use a prepaid card instead of a bank-issued credit card as a way to protect their identity and make it harder for cybercriminals to access their real bank account. There are some limits, and one of the most common questions people have is whether you can use a prepaid card for online purchases.

Why don't Visa gift cards work?

Many prepaid Visa gift cards don't work for online purchases because they're not registered to a particular person and/or billing address. You have to check with the company that issued the gift card to find out if you can register it to your name and address or not.

What is a payment card?

Payment cards offer a convenient way to pay for your purchases both in a store and online. Many people consider them an alternative to carrying cash. Let's look at the four different payment card types and how they are used.

Is PayPal a prepaid debit card?

They are more widely accepted than prepaid cards from other companies. PayPal is another company that offers a widely accepted prepaid debit card. You need to do your research on any prepaid card that you intend to purchase to see where it is accepted.

Reloadable Visa Prepaid Cards

The all-purpose Visa Prepaid card is a reloadable card you can use in-person and online to:

Choose a card to fit your needs

Pay quickly and conveniently online and in stores — plus get your payday funds faster with direct deposit.

Visa Payroll and Healthcare cards

Your employer may offer you a payroll or healthcare prepaid card so you can manage your payday funds more easily — and enjoy many of the advantages of Visa.

Additional Resources

Get your Child Tax Credit payment fast when it’s directly deposited to a Visa Prepaid card.

Why are my Visa gift cards declining?

At Giftcards.com, the most common reason online transactions decline is that the card does not have enough money on it to cover the purchase. Though people generally understand this concept, online shopping is a little different than in-store shopping. If you handed a Visa gift card to a cashier and knew it did not cover the full amount of the purchase, you could expect the system to use the card balance and then have the cashier ask you for a second form of payment. Since most websites cannot handle a split tender transaction as described above, the gift card is simply declined.

What happens if you swipe a Visa gift card?

During this authorization check, the system will place a “hold” on the funds needed for the purchase. If the transaction is cancelled or later declined, then the pending amount (or “hold”) is released. If the transaction is completed, then the pending amount is finalized (or “cleared”) and the card balance is reduced by the dollar amount of the final purchase.

Why do gift cards have a waiting period?

Because thieves sometimes use stolen credit cards to buy gift cards, the waiting period gives banks, stores and victims a moment to detect and report compromised cards. If the theft is reported before the gift cards are used, the gift cards can be cancelled before the funds are depleted.

What to do if you accidentally get your gift card locked?

If you accidentally get your gift card locked, contact the issuing company listed on the back of the gift card.

What to do if gift card doesn't work?

If you purchased a gift card at a store and try to use it immediately, but find that the card doesn’t work, check the receipt or gift card packaging to see if a waiting period is specified.

Do Visa gift cards work online?

What you need to know about Virtual Visa egift cards. Though Visa, Mastercard and other bank-issued gift cards work online quite well, there are certainly a few things to know that can make for a more positive experience. 1. How to Use a Visa Gift Card Online.

Do you have to enter credit card into shopping cart?

Most online shopping carts do not have this many ways to make a payment, but nearly all have a place to enter a credit card (on the left, circled in red) that is different from the area in which you would enter a gift card (on the right, circled in blue).

How to tell if a Visa gift card is not working?

If you’ve checked all of these things and your Visa gift card is not working, then call the telephone number or check the website typically listed on the back of the card. You will need to contact the issuing company to find out exactly why your card isn’t working.

How to use a Visa gift card as a debit?

To use a Visa gift card as a “debit” transaction, you’ll need to enter a Personal Identification Number (PIN) at the Point of Sale (POS) terminal. Without a PIN, the gift card should be run as a “credit” transaction.

What happens if your address doesn't match on a Visa gift card?

If the addresses don’t match, the card may decline. This is often the case when the Visa gift card is purchased at a grocery store or some place that doesn’t require you to put a name and address on the physical card.

Why are Visa gift cards declined?

Inactive cards will be declined if used for payment because the associated bank accounts are not ready to be used. Think of the hundreds of gift cards found on racks at the grocery store.

How long does a gift card last?

Some gift card sellers will not allow gift cards purchased at the store to work for a specified time period–generally 24-48 hours. If your Visa gift card is not working, the card may have a time restriction on it. To find out, look at the receipt and the terms and conditions on the card.

How to find out if a gift card has been stolen?

To find out, look at the receipt and the terms and conditions on the card. You should see a notification on the card itself or on your receipt. The waiting period or time delay is a fraud protection measure to ensure that the gift card has not been purchased with a stolen credit card.

What to do if gift card is not working?

If your gift card is not working or you are not sure how the gift card should be processed, ask the cashier. I find that most cashiers know exactly how to handle each type of payment method presented.

How to get a Visa prepaid card?

Step 1: Activate and load. Getting started with your Visa Prepaid card is easy. All you need to do is: Activate it online or by phone. Load it online or in-person. Set up direct deposit. Watch video.

How to load money into a Visa Prepaid card?

The best option is to direct deposit all or some of your paycheck, government checks or even your tax refund directly to your Visa Prepaid card. You may also be able to load cash at ATMs, bank branches, and retail locations, or add money from checks by using the mobile check deposit feature on your card issuer’s mobile app. Check with your card issuer to confirm which of these features are offered.

What is an all purpose prepaid card?

The all-purpose Visa Prepaid card is a reloadable prepaid card that you can use to withdraw cash, pay bills, or make purchases at participating retailers and service providers, in-person or online. You can fund the reloadable Visa Prepaid card through a variety of ways, such as through direct deposit or with cash at a participating retail location.

What is a reloadable Visa card?

A reloadable Visa Prepaid card is the quick, easy and secure way to pay online or in person. The all-purpose Visa Prepaid card is a prepaid card that you can use to withdraw cash, pay bills or make purchases anywhere Visa Debit cards are accepted, in-person or online.

What is the difference between a prepaid card and a credit card?

credit cards: When you use a credit card you are borrowing money and building up a balance of debt you owe. With prepaid cards, you’re spending money that has already been loaded onto the card. Unlike credit cards, prepaid cards don’t incur interest charges and don’t require a credit check to obtain.

Does Visa have zero liability?

Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use and for additional details.

Can you spend more money on a prepaid card?

Then each purchase you make is deducted from that balance. In most cases, you can’t spend more money than you have already loaded onto your prepaid card. Overspending or overdrafts can occur in some cases where a prepaid card may be linked with a checking.

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