Debit/Credit Card

How to use your debit/credit card or other with KodyPay, the problems you may encounter, and the pros and cons of using either

Written by Elizabeth Kozlowska
Updated over a week ago

How do I add my debit/credit card to KodyPay?

Once you have downloaded the KodyPay app, you can conveniently add your card. Simply tap on the payment methods/cards section in your profile and press "Add card". Here, you will be asked to fill in your Card Number, CVV, and Expiry Date. Once you have complete this, tap "Done", and we will validate your details with your bank. If your details are correct, a tick and the word "Success!" will appear on your screen. If this failed, you will have the opportunity to try again. If you continue to run into issues, please contact support. If you wish to add more than one card, you can simply repeat the process.

Why was my card rejected?

There could be many reasons why your card has been rejected. For security reasons, we can’t always be specific, but we aim to assist you in whatever way we can. The first thing we recommend is to try again. If an error persists, please get in touch with a member of our support team. If the error codes states a bank-side issue, contact your bank. The errors could be an invalid transaction, invalid card number, or insufficient funds.

You can contact our support through our live chat, email, or phone, which can all be found on our "Help" page via our website or app. If you use our live chat, a real person from the KodyPay team will quickly intervene within a couple of minutes, helping you resolve your issue as promptly as possible.

Can I use a business account as well as a personal card?

KodyPay accepts business cards, providing they run under the Visa or MasterCard card schemes. If, for another reason, the card doesn’t register, please get in touch, and we can assist.

Can I use American Express, Discover or smaller card schemes?

Card schemes other than Visa and MasterCard are not currently available on KodyPay, but we will soon be opening up this functionality. We’ll be releasing an update to tell customers when more card schemes are available. Alternatively, keep an eye on our medium page.

What’s the funny-looking verification screen after I press the add card button?

When you add a card to the KodyPay app, we perform a variety of checks with your bank. Particularly around your KodyPay account details matching those associated with your card. As part of this, your bank will often ask to verify an additional piece of information through their own systems (which is why it often looks different from the KodyPay app). This is an incredibly top-level explanation for the process, which is known as 3D-Secure. We include this process in KodyPay as part of our obligation to EEA PSD2 legislation. (It also has the added bonus of making your payments with us all the more secure.)

What risks are involved with using credit versus debit cards?

Using a credit card risks the opportunity to spend what you don't have, causing you to face steep overdraft prices. However, if a fraudulent transaction occurs, debit cards are not so well-protected. This is because debit cards take cash directly from your bank account, not allowing you time to dispute any discrepancies. But, by using credit cards, you risk removing any financial security, as you are encouraged to impulse buy. This is unlike debit cards, where once you run out of money, you have run out (unless an overdraft limit is agreed beforehand).

How do I change my card details

Once your card has been put into the KodyPay app, the only way to change your details is to directly remove your card from your KodyPay profile and add a new card with the new details. The reason for this is largely grounded in security. To remove your card, you simply need to tap your card on the KodyPay app’s payment methods/cards section, and the option to remove the card will appear. Tap on the option that reads "Remove Card", and your card will be removed. You can then use the payment methods/cards section to add your new details.

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