Why Can’t I Use My Debit Card for Online Purchases | Top 8 Vital Reasons


Information presented on this web page is intended for informational and educational purposes only and is not meant to be taken as legal, financial, investment or tax advice. We do not accept any responsibility for any trading or investment related losses. Please review our disclaimer on before taking action based upon anything you read or see.

Online shopping is on a boost these days, but sometimes there are some technical issues with your payment methods. Have you been having problems using your bank debit card for online purchases? Yes! It happens most of the time. Indeed, the internet has changed the world into a global village, as certain things can be done unlike before. People are connected to social media platforms as well! For example, online shopping has made the task easier, as their favorite products are available on their doorstep. In this article, your question “why can’t I use my debit card for online purchases, will be answered.

In some cases, the short answer is that banks set a security measure that prevents your card from becoming misused on the web. Therefore once you put in your card information on internet sites, your card prevents you from undertaking the transaction. So you must get in touch with your bank and affirm you end up penalizing the transaction.

Moreover, you will learn how you can discover it and how you can fix it. Keep reading, and you will get the information.

Why Can’t I Use My Debit Card for Online Purchases?

Why Can’t I Use My Debit Card for Online Purchases

You came across some instances where your bank debit card and ATM Cards might fail to make online purchases; here is a list of few possible reasons for this issue and how you can solve it.

  • Insufficient funds
  • Reach your daily withdrawal limit
  • Card has expired
  • Your bank was suspicious of the transaction
  • You have made an international purchase
  • Technical issues
  • You haven’t activated the card yet
  • Your joint holder deactivated your card

Insufficient funds

The most common reason for which you can’t use your bank debit card is that you have insufficient funds in your account. If you don’t keep your eyes on your spending regularly, you may run out of your cash and not be alert. But still, you can proceed with the transaction if you have overdraft protection. It protects to ensure that your withdrawals will move even if you have less balance in your account. 

How to fix it:

The best way to cope with an insufficient balance is to keep your bank balance regular through online banking or a mobile app. 

You may reach your daily withdrawal limit

Most banking institutions have imposed a 24-hour withdrawal restriction on client accounts. This guarantees that the money of customers is safe from fraudulent activity. You may have reached your daily withdrawal limitations, which is why your card was declined.

How to fix it:

If you plan on making large online buys or disbursements, you may ask your merchant to increase your daily limit. You may also tell your bank that you want to purchase above your budget.

Your card has run out of validity.

When you use your expired card to purchase or withdraw money from an ATM, it will not be accepted.

Most individuals, for example, seek answers on the internet as to why their Venmo Bankcard and EDD debit card transactions were successful. They may consider all options, but the card’s expiration date does not register in their brains.

How to fix it:

Keep an eye on your bank debit card’s expiration date. You may request a new card once you are informed of the expiration date.

Your bank has doubts about the transaction.

When you acquire a debit card from a bank, you agree that they have the right to halt a transaction if they see something suspicious. The majority of the time, the cause is over expenditure.

This sort of security feature delays payment but protects you if your bank debit card ends up in the hands of someone looking to steal from you.

How to avoid it:

When making significant payments or withdrawing substantial sums of money, you should notify your banks ahead of time to get preauthorization.

You have made a foreign acquisition.

If you’ve engaged in any odd conduct, such as an overseas purchase, you won’t be able to use your bank debit card. MasterCard is now accepted for online purchases.

However, this implies that your card might be stolen and used to transact anywhere in the globe.

You may also cancel or suspend a payment made using a Bank of America account. To seek a reversal, contact your merchant directly. If the seller disagrees, you may request that the charge be halted.

How to avoid it:

Notify your bank when you want to go; this way, the institution will not permit you to retain money on you.

Problems with the technology

Transactions may be delayed owing to technical reasons on occasion.

For instance, they might be going through things like,

  • Power outages in wireless card reader systems.
  • Transactions that are overburdened
  • Slow Internet connections

How to fix it:

As the fault lies in your bank or merchant, you might not control these issues. However, you can:

  • You have the option of using a different terminal.
  • Give it another shot later.
  • Wait for the system to be able to get through and run.

You haven’t activated the card yet

Most banks allow their card users to activate their prepaid debit cards. Some instructions might include calling a specific phone number or withdrawing money from ATM. 

How to fix it:

To avoid this hassle, you should follow every instruction given by the bank for activation. You can contact your bank to get help.

By accessing the Apple Watch app on your phone, you may use a bank card on an Apple watch. Then, you can pay with Apple with a touch on my watch or Wallet. If you’ve recently deleted debit cards from your other Apple devices, touch Add beside a card, then input the CVV.

Your joint holder deactivated your card.

When you have a joint account with your partner or another individual, you will lose the power to use the card if the other person deactivates it. To prevent fraud, most banks enable one spouse to deactivate a debit card without the consent of the other. If the card is stolen, this might work to your advantage since you can ask the other individual to delete the account. As a result, if the other party disables your bank debit card, you will be unable to make online purchases or withdrawals.

How to fix it:

In the event of a shared account transaction, it would be beneficial if you notified the other party. Furthermore, you may stipulate that substantial changes need your signature, such as deactivating debit cards.

Read More: How Old Do you Have to be to Get a Debit Card

Why Can’t I Use My Debit Card for Online Purchases: FAQs

How do I make debit card payments eligible for an online purchase?

Your bank debit card can work for online purchases, but debit cards are not a good way when you shop online. Credit cards are safer as compared to debit cards when you buy things online.

Can I use my debit card as a credit card for online purchases?

If you are paying for something online, you can use your bank debit card just as you use your credit card. You don’t need to specify that you want to use your bank debit card; select the credit card option to pay.

Do I need to activate my debit card for online purchases?

For the activation of a debit card for online purchases, insert the card into the ATM, enter your PIN, and the card will activate. You can withdraw money or check your account balance to make sure that your card is working. Some banks allow you to activate your bank debit card. The first time you make any purchase using your PIN.

How do you fix a declined debit card?

To fix a declined debit card, firstly find out the cause for the rejection. When the rejected payment takes place, your Credit Card Company or bank may share the reason for the decline with you. So it would help if you had contact with your company or bank.

Can a Visa debit card be used for online purchases?

If you are paying for something online, you can typically use your bank debit card just like a debit card. You don’t need to specify you are using a “debit card”; select the “pay with credit card” option. You should start by indicating the type of card you have, like a Visa or Debit card.

Why is my payment method being declined?

The main reason for the payment’s declination is that your card is registered to a different address. Check the zip code matches your current address; if it is not so updating the address.

Why should the bank decline a transaction?

The bank can decline a transaction for two reasons.  To begin with, the transaction was denied by the customer’s credit card issuing bank. Insufficient money, a blocked account, an inaccurate credit card details, or a card that has expired are all possibilities.

How do I activate my Visa debit card online?

For online debit card activation, go to the official website of your bank. Sign in, and click on the “customer services” tab. Then find the option for card activation and follow the given steps. 


To wrap up the article, why can’t I use my debit card for online purchases? It will not be wrong to say that if your bank debit or credit card declined with the option of no backup can spoil your regular plan of the day. To overcome the situation, you need to have the changes made at the right time and connection with the bank. The bank will assist you in getting through the online purchases and withdrawal successfully. Moreover, you can fix up your prepaid cards and cater to emergencies if the debit card situations are unresolvable.

error: Content is protected !!