If a payment with your BIX Card is declined, it’s usually due to one of the following reasons. Review each one before trying again, as most declined payments can be resolved within a few minutes.
Insufficient balance
Your BIX Card uses the balance loaded onto the card itself, not the balance available in your BIX Wallet. If your card doesn’t have enough funds, the payment will be declined.
Do this: Check your card balance in the app. If needed, top up your card from your BIX Wallet and try the payment again.
Spending limit reached
If you’ve set a daily or per-transaction spending limit, any purchase that exceeds it will be declined automatically.
Do this: Review your card’s spending limits in the app and adjust them if necessary before trying the payment again.
Frozen card
A frozen card cannot be used for payments until it has been unfrozen.
Do this: Check in the app that your card isn’t frozen. If it is, unfreeze it and try again.
Merchant or region not supported
Some merchants or regions may decline transactions or may not accept Visa payments.
Do this: Confirm that the merchant accepts Visa and try the payment again, or use another compatible merchant.
Pending verification
In some cases, a pending verification may prevent your payment from being processed successfully.
Do this: Wait a few minutes and try again. If the problem persists, contact our Support team.