When you receive a push notification or an email letting you know that a payment didn’t go through, you do not always know why.
So why was your transaction declined? There can be several reasons.
Your card is blocked
You may have cancelled your card a while ago. If so, you need to unblock it to make new purchases with it.
You have insufficient funds
This is the most common reason. Your Lydia card takes money directly from your Lydia account. So if there are insufficient funds on this account, the payment will be declined.
From the 5th rejected Lydia card payment due to insufficient funds in a month, a €0.50 fee applies to each rejected card payment during the current month (€25 maximum per month per user, 1 rejection per day per merchant).
How do I put money on my Lydia account?
Your card hasn’t been activated
Make sure your card is activated otherwise it won’t work.
Your card has expired
All bank cards have an expiry date and so do Lydia cards. Make sure the expiration date on the front of the card has not passed. If your card has expired, you can order a new one.
How do I replace my plastic card?
You went over the limits
You may have set daily or weekly payment and withdrawal limits. Going over these limits will block the card. You may also have exceeded the limits set by Lydia.
The merchant does not support systematic authorisations
The Lydia card is a card with systematic authorisation. Before each transaction, it checks that the Lydia account used as source of payment has sufficient funds.
Systematic authorisation requires good network coverage for the retailer’s payment terminal to call the bank. Cards with systematic authorisations may be declined in places with poor coverage: Airplanes, trains.
Places where your payment could be declined can also include:
- Motorway tolls;
- Automatic petrol pumps;
- Street vendors.
