Types of Spend Declines or Transaction Errors

Occasional card declines and errors may occur, but these are typically minor issues that can be promptly resolved. The following provides a succinct overview of potential errors and guidance on managing them:

SCA Error - Tap and Go

Following five Tap - and - Go transactions, a reset is required through a chip and pin transaction by inserting your card into the POS machine on your next purchase. This precaution ensures that the card is physically in the possession of the user, mitigating the risk of compromise (i.e. theft). If you continue to experience issues after your chip and pin transaction please contact support@numarqe.com.

SCA Error - Phone Based Purchases or Transaction Errors

When conducting transactions via phone, users are required to provide card details, CVC number, and expiry date verbally or electronically on the phone keypad. Errors can occur if the details haven’t been entered correctly by the user or if the merchant (a human) has made a mistake when entering your details. If you are experiencing this issue, please try entering the details again or contact support@numarqe.com.

SCA Error - Online Based Purchases or Transactions Errors

For online transactions, users must enter card details, CVC number, and expiry date. Merchants may request a security code (3Ds) for an additional layer of payment protection. This involves providing proof of identity through a unique password, SMS code, or temporary PIN. Vigilance is advised to ensure the successful completion of online purchases. If you are experiencing any issues, please try entering the details again and ensure that they are correct or contact support@numarqe.com.

Max Transaction Amount Exceeded

Please check on your account or with your admin in regard to your maximum credit limit and your single transaction limit. Transactions will be declined where you do not have the required single transaction limit to make the payment. As an example, if your limit is GBP 250 per transaction and your credit limit is GBP 1,000: if you try to purchase an item with a value in excess of GBP 250 (i.e. GBP251 or USD 300) this transaction will be declined, irrespective of how much your limit is on your card (in this case GBP 1000)

When this happens, please send your admin a message on credit.cards@anabas.co.uk and they can assist accordingly.

Spend Limit Exceeded Errors

Please check on your account or with your admin in regard to the maximum credit limit on your card. Transactions will be declined where you do not have the required limit to make the payment. This will happen when you are close to your maximum limit, or have spent up to your monthly limit already and you are trying to make a transaction which is higher than the available limit on your card. Please be mindful of currency conversion rates: a transaction in a different currency to your card currency will be converted to your card currency and it is this converted currency amount that is compared to the card limit. When a Spend Limit Exceeded decline happens, please send your admin a message on credit.cards@anabas.co.uk and they can assist accordingly.

Card Expiry Checks Failed

This means that you have entered the card expiry details incorrectly or the merchant has not taken the information correctly (usually via phone). Please check the card details and retry your purchase.If you continue to experience issues, please contact support@numarqe.com.

CVV Checks Failed

Exceeding three incorrect attempts at entering the CVV may trigger a card block, as it could be perceived as a potential fraud or theft. A reset can be facilitated by contacting support@numarqe.com.

PIN Checks Failed / PIN Retries Exceeded

If you enter the PIN incorrectly too many times this will block your card temporarily until you reset your PIN. This can be easily done on your account. Please click the link and follow the instructions in the Support Centre