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  • Why are so many card payments declined by bunq?

Het is vrij vervelend dat Bunq veel CC betalingen
Afkeurd zonder feedback te vragen aan de eigenaar van de rekening. Waarom Besluiten jullie een betaling te blokkeren?

    Elise changed the title to Decide for yourself if a card debit should be approved or rejected.
      Jan Brodda changed the title to Why are so many card payments declined by bunq?.

        Er zijn veel online services waar je juist een Bunq pas voor wil gebruiken. Dat is ook de reden dat ik Bunq zakelijk heb afgesloten

          Hey @Lukas-Maroon-Panda#34890 👋
          To make sure that I understood your correctly: You have many card payments, which are rejected by bunq, so the merchant can't charge your card? If so, you can check the specific reason in the individual card payments. There should be a text below the transaction icons at the top.

          If the payment does not appear in the app at all, the merchant may have tried to charge your card without an online connection. This is not supported by bunq.

            @Lukas-Maroon-Panda#34895 Er staat (praktisch?) altijd een reden voor weigering bij de details van de geweigerde betaling. En in de meeste gevallen dan ook een optie om het probleem te verhelpen (bijvoorbeeld een land toevoegen aan de whitelist/een limiet verhogen). 🙂 Heb je hier al naar gekeken?

              @JanBrodda#34896 Yes for instance headspace.com or an email service I just wanted to buy. It just gives me a canceled payment - it happened for about 3-4 services already on several Bunq accounts. When I use my mastercard from ABN it goes without a hassle. So that’s why im wondering why shouldn’t we as Bunq users decide what to approve and what not.

                @Sander#34899 Nee waar staat dat? Ik zie alleen een rood kruis met - betaling geannuleerd.

                  @Lukas-Maroon-Panda#34901 As said before: You should always see a reason displayed in the declined transaction. It could be a limit that is set too low, or maybe an issue with 3DSecure (more information in this topic: https://together.bunq.com/d/202)

                    @Lukas-Maroon-Panda#34903 Ga naar je event overview (tweede tabje onderin) en klik op de betaling die zojuist geweigerd is. Direct onder het bedrag zou je een reden tot weigering moeten zien als die bekend is bij bunq. In sommige gevallen kan private support nog wat dieper graven voor je. Als de betaling niet in de App verschijnt dan gaat het ergens anders al fout, voordat de betaling bij bunq aankomt hoogstwaarschijnlijk. 🙂

                      @JanBrodda#34904 It just says: Mislukt

                        @Sander#34905 Hi. Allemaal gecheckt de betalingen geven slechts aan: ‘omschrijving: mislukt’

                          @Lukas-Maroon-Panda#34907 I can see more details in my transactions. See the attached screenshot for an example. Is this the location where your are looking?

                            @JanBrodda#34909 Yeah exactly that. But for me it just says canceled i see you have more information :)

                              @Lukas-Maroon-Panda#34910 If it says cancelled, they it might also be cancelled by the merchant. They do this to verify your card details. Are those cancelled transactions only 0.01€ or 1.00€ ? If so, then this is not a "real" payment and completely normal.

                              This would look similar to the following screenshot:

                                @JanBrodda#34911 Thanks for the help by the way :)

                                  @Lukas-Maroon-Panda#34912 Did you whitelist the merchants? If yes you might want to contact Private Support to check out why they got denied. 🙂

                                    @Lukas-Maroon-Panda#34912 In the past it was typical that bunq has rejected any transaction and after this you whitelisted the merchant, and the second payment works. Then bunq introduced "dodgy payments" which give you the choice to allow the same risky methods as other banks use it (maybe your ABN card does it like this) Some merchants do not correct check the CVC (Amazon for example). Try to raise the dodgy payments or try to whitelist the merchants, hope this helps.