Payment Errors

Here you will find information about common payment issues — we’ll explain what these errors mean and how to quickly fix them so you can continue your purchases without hassle.

The most common reasons for declined transactions:

Insufficient Funds on Card (Error: “Insufficient Funds”)

Why does this happen?

Insufficient funds is one of the most common errors when using virtual cards. This issue can occur for several reasons — follow our recommendations to ensure a successful payment.

What to do?

– Check your card balance and top it up using any convenient method. Then, try the payment again.

– Always keep slightly more funds on the card than the actual purchase amount to cover both the cost and any fees.

– For Visa Easy and Mastercard Pro, transaction fees apply, so it’s important to account for them:

• Visa Easy: 2.5% of the payment amount, but not less than $1.

• Mastercard Pro: $0.50 + 1% per successful transaction.

Example: If a subscription costs $20, and you’re using a Pro card, you need at least $20.50 on the balance.

What not to do:

– Do not attempt multiple payments if there are insufficient funds — this may lead to extra fees and card blocking.

– Unlink cards from services you no longer used to avoid automatic charges by merchants, which can also result in extra fees and card blocking.

– Do not link the card to services or activate trial periods if you don’t plan to continue — this may lead to permanent card blocking.

Helpful tips and info:

– Always check your card balance before making a purchase.

– For full pricing and fee details, refer to the Rates and Fees section.

Restricted Merchant Category (Error: “Restricted Merchant Category”)

This error occurs when the card usage rules are violated during payment, or when the card is blocked by the merchant.

The merchant category is restricted for payments by the issuing bank.

Restricted merchant categories include:

• Mining

• Adult Industry

• Money Services Business

• Stock Promotion

• Waste Management

• Arms Trading – Retail/Manufacturing

• Casinos/Gaming

• Cryptocurrency

• Government/Military/Public Agency

• Marijuana Services Business

What to do:

Make sure your payment conditions meet the following requirements:

1. Your location during payment must be spoofed to match the billing region of the issued card.

2. Check the account region on the service you’re trying to pay for. It should not be registered in a restricted country.

3. The product/service must not be priced in a currency from a restricted country

Payments to services from these countries are also blocked: Russia, Belarus, Ukraine, Serbia, Pakistan.

If all of the above conditions are met but the error still occurs — the merchant is restricted by the issuing bank, and unfortunately, this error cannot be bypassed.

What not to do:

– Do not repeatedly attempt payment if you receive this error — it may result in your card being blocked.

Helpful tips and info:

Check the list of supported merchant categories and services in the List of Supported Services section.

Restricted Country (Error: “Restricted Country”)

Why does this happen?

The merchant is located in a country or region restricted by the issuing bank.

What to do:

Make sure the payment conditions meet the following requirements:

1. The service you are trying to pay for must not be based in a restricted country: Russia, Belarus, Ukraine, Serbia, or Pakistan.

2. Your location during the payment must be spoofed to match the billing region of the issued card.

3. The product/service must not be priced in a currency from restricted countries.

Try searching for alternative platforms or services that offer similar products or subscriptions in the international segment.

What not to do:

Do not repeatedly attempt the payment if you encounter this error — it may result in your card being blocked.

If you didn’t find an answer to your question or need additional information, please contact the support team.