Your card may be frozen for several reasons, for example;
If you have entered into a repayment arrangement with us or a third partyIf your second repayment attempt fails or your account is in arrears, your card will be temporarily blocked
If you have frozen your card in the app for any precautionary reasons
If your CPA (continuous payment authority) or VRP (variable recurring payment) has been suspended or expired
If there is no repayment method associated with your account
If your PIN has been entered incorrectly too many times
If your Zable card has been replaced, the old card will be terminated
Blocked Merchant Transactions: Some transactions with specific merchants may be flagged and blocked for security or policy compliance reasons
To unfreeze your card, you may need to take one of the following actions;
Make sure the payment to bring your account up to date has been cleared, including any arrears payments
Head back into the app to unfreeze the card on the home screen
Check that your card linked to your CPA/VRP is up to date and hasn’t expired
If you have entered your PIN incorrectly too many times, change your card PIN in the Zable App by tapping view PIN, then change PIN
Make sure you are using your latest Zable card, you may need to wait for your new card to arrive
Ensure your 'spend controls' are up to date on the app
FAQ
Can I recover my card if it’s damaged or replaced?
Yes, you can order replacement cards through the Zable app. Ensure your address is accurate.
Why can’t I use my card with certain merchants?
Some merchants are blocked for security or policy reasons. For specifics, consult Zable support.
Will my card unblock automatically after payments are resolved?
Not necessarily. Additional steps like updating account details or activating a new card may be required after clearing dues.
Preventative Measures
Monitor Transactions Regularly: Check all transactions for unauthorised activity and report it promptly.
Maintain Payment Schedules: Ensure timely repayments to avoid arrears.
Use the Correct PIN: Avoid multiple incorrect attempts; reset the PIN through the app if necessary.
Update Linked Payment Methods: Verify the expiration dates and validity of linked accounts or cards.
Enable Security Features: Use multi-factor authentication and avoid sharing security information.- Check the Zable App: Open the app to view notifications or messages indicating reasons for blocked or frozen cards.
Resolve Outstanding Payments or Arrears: Use the ‘Pay Now’ option in the Zable app to clear any overdue amounts or arrears.
Address Security Blocks: Approve high-value transactions in the app or verify details if prompted.