The State Duma introduces total control over cash transactions

Hello. I recently tried to pay for an item via Paypal using a linked card, but I received the following error message: “rejected by the card issuer,” what does this mean in Paypal?

There are several reasons why a bank card may be rejected by the issuing bank when paying via PayPal:

Bank card is not activated;
There are not enough funds on the card (to make a payment, you must have at least $5 in your account);
Incorrect card details (number, last name and first name of the owner, etc.);
The card is not suitable for online payments (you need to check with the issuing bank);
Limiting the use of the card only in the country where it was issued (if the restriction is temporary, this can be corrected through the bank’s technical support);
The issuing bank has set a limit for online transactions (you can change this limit through the bank's technical support);
The security systems of the bank and the resource are not compatible (for example, requesting a CVV code - in some banks it is mandatory, but other resources do not support it).

In short, if when making a payment through PayPal you receive a message “rejected by the paypal card issuer,” then first check its activity and balance. And if everything is in order, then feel free to call the technical support of the issuing bank (your bank) - they will help you solve this problem and find its cause.

Contact your bank or credit card company

If you can't find out why your credit card payment was declined, or you can't resolve the problem yourself, contact the organization that issued your card. Google Ads support won't be able to help you because your bank, not Google, is rejecting the payment. To contact the bank, follow these steps:

Call the customer service number found on the back of your credit card.
Tell the bank employee that you wanted to pay for Google Ads services, but the payment was declined. Indicate the date and amount of the rejected payment.
A bank employee will tell you the exact reason for the rejection and help you solve the problem.
Once the problem is resolved, try making the payment again using one of the methods below.

The most common problems and their solutions

Resume your ads

Select one of the options below to have your ad appear again.

If the issue with your card is resolved and you want to make the payment again, try again in your Google Ads account.
If the problem with the original credit card could not be resolved, provide the details of another card.

Method A: repeat payment using current card

If you want to charge a credit card that is already in use, follow these steps:

Sign in to your Google Ads account.
Click on the Settings icon and select Billing & Payments . Go
Click Payment Methods .
Find the credit card with the Fix the problem link.”
Check your credit card details. To find out if it can be used in your Google Ads account, contact your bank or issuing company.
Click Fix the problem under your credit card details.

What's next?

If the retry is successful, the debt will be written off automatically. Payment processing may take several hours. If it is not completed within one business day of trying again, pay the outstanding balance and your ads will run again. To do this, follow these steps:

Sign in to your Google Ads account.
Click on the Settings icon and select Billing & Payments . Go
Click the Make Payment .
Select a new payment method for this one-time payment or use your old option.
Enter the payment amount. The minimum amount that must be deposited into your account to resume displaying ads is indicated in the “minimum payment” section. Click the Make Payment .
Check all the details again and click Make payment .

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Try to complete the payment using the same method. Otherwise, a new payment method may be used to further charge you, or your ads may be paused next time.

Method 2: Use new payment details

To add a credit card, follow these steps:

Sign in to your Google Ads account.
Click on the Settings icon and select Billing & Payments . Go
Click Payment Methods .
To edit details (except for the credit card number), find the card you need and click Edit .
To add or change a credit card number, click Add payment method and enter the new information.
Click the Save .
Find the credit card you added and click Select as primary . It will be assigned as your primary payment method.

As soon as you provide your payment information, we will initiate debt cancellation.

Advice

To ensure your ads always appear, add a backup credit card. We will only charge her if her primary payment method fails.

If your bank account payment status is "Declined" in your Google Ads account, it means your bank has stopped you from withdrawing funds from your bank account. To resume showing ads, follow the instructions below.

Contact your bank

If you cannot figure out why the payment was declined or are unable to resolve the problem yourself, contact your bank. They will help you find out the reason and find a solution. Google Ads support won't be able to help you because your bank, not Google, is rejecting the payment.

To contact the bank, follow these steps:

Call the customer service number, which is usually listed on the bank's website.
Tell the bank employee that you wanted to pay for Google Ads services, but the payment was declined. Indicate the date and amount of the rejected payment.
A bank employee will tell you the exact reason for the rejection and help you solve the problem.
Once the problem is resolved, try making the payment again using one of the methods below.

The most common problems and their solutions

Your card doesn't have enough funds Check your account balance, and then resume advertising using the methods below.
The bank account holder name does not match the information you provided. Correct the incorrect information. To do this, follow the instructions below.
Your bank doesn't allow your account to be used for online payments or international transactions. Contact your bank to ask them to remove this restriction, then choose one of the solutions below to get your ads running again.
The bank account does not exist. Add another bank account or credit card in the payment information section. To do this, follow the instructions below.

The main reasons for the situation

If a client is faced with the problem of unconfirmed credit card transactions at Alfa-Bank, then all the nuances of money movement need to be taken into account. In most situations there is no cause for concern. Information on temporary freezing is reflected in the statement with the term “Hold”.

The movement of finances through the card involves the technological process of verification and payment verification. The actual debiting of money is carried out on the basis of files received by Alfa-Bank confirming mutual settlements. Situations with freezing of funds are possible when making non-cash payments and making payments through the Alfa-Mobile application.

There is a limited period for unconfirmed payments.

The problem of freezing money in an account is acutely felt by those who use a credit card, since a delay in replenishing the current account leads to the accrual of interest for using the limit.

The process of debiting money from an account involves the following options. When making cashless payments, the card holder activates the carrier through the terminal. After authorization, the institution is informed by the system, the information on the plastic carrier about the validity and availability of the required amount is confirmed.

After authorization, the process of reserving funds takes place. When you activate the information service, the transaction will be confirmed by an SMS notification. The text of the message will indicate the balance minus the amount spent.

The write-off is carried out after the documents are generated by the credit institution that services the terminal. The transaction is characterized by features depending on the type of self-service device and product status.

Attention needs to be paid to currency transactions. If the payment currency and the account currency differ, a different amount may be frozen and written off. The blocking period depends on the type of transaction and can range from a few seconds to 72 hours.

Resume your ads

Select one of the options below to have your ad appear again.

Method A: Payment by credit card or real-time bank transfer

Payment by credit card is the fastest way to get your ads running again. In some countries (Austria, Denmark, Norway, Finland and Sweden) you can make real-time bank transfers. It is not recommended to use regular translation, as it will take much longer to complete.

It typically takes one business day for real-time credit card or bank transfer payments to be processed. Display of ads will be resumed within 24 hours after this procedure.

Note

If you want to use Direct Debit payments as your primary payment method, you'll need to reactivate your bank account in your Google Ads account (see Method B below) after confirming your one-time payment.

To make a payment, follow these steps:

Sign in to your Google Ads account.
Click on the Settings icon and select Billing & Payments . Go
Click the Make Payment .
Select a new payment method for this one-time payment or use your old option.
Enter the payment amount. The minimum amount that must be deposited into your account to resume displaying ads is indicated in the “minimum payment” section. Click the Make Payment .
Check all the details again and click Make payment . If you used a new payment method to pay your debt, you will still need to reactivate your primary payment method.
After your payment has been processed, change or reactivate your primary payment method so that it can be used in the future.

Example

Consider the case of Mary. Her direct debit payment was declined. Her ads have been paused and she wants to resume them as soon as possible. Maria contacts the bank and finds out that the payment was rejected due to insufficient funds in the account.

To resume showing her ads, Maria makes a one-time payment from her credit card using the Make Payment (Method A). To use direct debit in the future, she will reactivate her bank account in her Google Ads account (method B). In the future, Maria must constantly ensure that there are enough funds in her account to pay for our services.

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Method B: Bank account recovery

If the problem with your bank account is resolved and you want the outstanding balance to be debited from your account, follow these steps:

Sign in to your Google Ads account.
Click on the Settings icon and select Billing & Payments . Go
From the menu on the left, select Payment Methods .
Find the bank account with the Fix the problem .
Check your payment information again. If necessary, check with your bank to see if these details can be used in your Google Ads account.
Click Fix the problem .

Go to Google Ads

Typically, once your bank account is reactivated, it will take up to 4 business days for your payment to be processed. Display of ads will be resumed within 24 hours after this procedure. We recommend using Method A (credit card payment) to continue running your ads as quickly as possible.

Method B: new bank account

If you would like to use a different bank account for this payment and future Direct Debit payments, please change your primary payment method. You must also send us a debit authorization or confirm a test payment in your new bank account. All these procedures usually take about 5 business days.

To add a new bank account as your primary payment method, follow these steps:

Sign in to your Google Ads account.
Click on the Settings icon and select Billing & Payments . Go
Click Payment Methods .
Find the appropriate payment method and click Change .
Enter new data. You must send us a charge authorization or verify your bank account before your ads can be displayed. In this case, you will receive additional instructions.
Click the Save . Once you provide your payment information and we receive your bank account confirmation or debit authorization, the debt will be cleared.

Advice

To ensure your ads always appear, add a backup credit card. We will only charge her if her primary payment method fails.

If you recently started using a line of credit instead of automatic payments and still have an outstanding balance, follow these steps to pay off your debt:

Sign in to your Google Ads account.
Click on the Settings icon and select Billing & Payments . Go
In the menu on the left, select Change payer .
Select the invoice you want to pay.
From the menu on the left, click Summary .
Click the Make Payment to pay off the debt.

If you want to close your account and have a declined payment, please consider the following:

Before you close your account, you must pay your outstanding balance.
Once you close your account, the balance will be charged to your payment method within 60 days.

The State Duma introduces total control over cash transactions

At a plenary meeting on Tuesday, the State Duma approved in the third and final reading a bill to strengthen control over cash transactions. Currently, banks are required to report to Rosfinmonitoring if a legal entity withdraws or credits more than 600 thousand rubles from an account, and the transaction is not related to the economic activities of the business - for example, crediting revenue in cash or issuing salaries to employees.

The law abolishes this condition and makes control total: from now on, all cash transactions above a threshold amount, regardless of their nature, fall under it.

The list of information that banks are required to transfer to Rosfinmonitoring is also expanding if there is a suspicion that clients’ transactions are aimed at laundering proceeds from crime or financing terrorism. From March 1, 2022, banks will report not only on the transactions themselves, but also on other client actions that are associated with them, and will also disclose all available information about the beneficiaries of the transaction or transfer.

The same requirements apply to microfinance organizations, professional participants in securities markets, non-state pension funds, insurers, gambling organizers, investment platform operators, pawnshops and other organizations.

Postal transfers in the amount of 100 thousand rubles (or the equivalent in foreign currency) will come under control.

Mandatory control will apply to the crediting of funds to an account (deposit) or debiting funds from the account (deposit) of a foreign structure without the formation of a legal entity (now this rule applies only to legal entities), to the payment of insurance compensation to a legal entity or the receipt of an insurance premium from a legal entity.

All real estate transactions (both cash and non-cash) worth more than 3 million rubles will come under mandatory control.

An exception in the law is made for state corporations, homeowners' associations and consumer cooperatives, as well as for a number of non-profit organizations. They will be allowed not to provide data. In addition, information on the transfer of money by non-credit organizations on behalf of the client is also allowed not to be provided, and transactions of legal entities and individuals exchanging banknotes of one denomination for banknotes of another denomination are also not subject to control.

According to the idea of the authors of the project, headed by the chairman of the Duma Committee on the Financial Market, Anatoly Aksakov, the amendments should facilitate the interaction of banks with legal entities: transactions in excess of the established limit will be reported automatically. Monitoring of compliance with the new regime will be remote - its procedure will be determined by the President of the Russian Federation, the law says. If adopted, the document will come into force 180 days after publication.

Refusal of the issuer in the operation - what is it?

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The article was published exactly 3 years ago, I barely found it myself to add.

If, when paying by card, you encounter some kind of error, terminal failure (“decline”), then the response code will give you an understanding of why this happened. Below is a transcript of the payment systems' responses:

Code 00 – successful operation. Code 01 – refuse, call the issuing bank Code 02 – refuse, call the issuing bank (special condition) Code 03 Invalid merchant (Invalid merchant ID), unregistered merchant or payment aggregator Code 04 – withdraw the card without specifying a reason. Card block due to fraud. Pick-up card. Code 05 – Do not Honour. (The transaction was rejected by the bank without specifying any reason.

06 Error. Unknown error on the bank's side, repeat 07 Pick-up card, special condition. The card is blocked by the bank due to fraud 08 - service with identification based on the document and signature or cancel the entire operation 12 Invalid transaction card / issuer / acquirer The merchant does not accept cards from this bank. 13 Invalid amount The amount exceeded the bank limit for the transaction, there may be an error in entering the amount 14 Invalid card number – Invalid card number or the card is blocked by the holder/bank 17 – refuse, rejected by the card user. 19 System Error – System error on the merchant/bank side, the transaction needs to be repeated 21 No Action Taken Prohibited by the bank without any explanation 31 issuer not found in the payment system 32 partially completed 34 Suspected Fraud Suspected fraud 39 No Credit Account There is no credit card account 41 Lost Card, Pickup; The card is lost, seize 42 Special Pickup; Card stolen, seize 43 Hot Card, Pickup; Card stolen, seize 51 Not sufficient funds; Insufficient funds to pay 54 Expired card; Card expired 55 Incorrect PIN; Invalid pin 57 Transaction not permitted on card; The merchant does not accept cards from this bank or the type of transaction is unacceptable for this type of card (for example, the card can only withdraw cash, without paying for purchases) 58 Txn Not Permitted On Term; The merchant does not accept this type of transaction, see 57 59 Suspected Fraud; suspicion of fraud. 61 Exceeds amount limit; the amount exceeds the allowed daily maximum for the 62 Restricted card; card account frozen, card block 63 Security violation; card account is frozen, card block 64 – the amount of authorization cancellation is different from the amount of the original authorization 65 – refuse, exceeding the maximum number of transactions for a given card //limit of spending transactions on the account 67 – the card was withdrawn from an ATM 75 Exceeds PIN Retry; pin entered maximum number of times 78 Function Not Available; card number is invalid or does not exist 80 Network error 81 PIN code error (MC) 82 CVV Validation Error; incorrect cvv code) 83 – refuse, network error (technical problems) 86 impossible to check pin 88 encryption error Pin 91 Issuer not available; there is no connection with the bank, technical problems 93 Transaction violates law; transaction is illegal 94 Duplicate Transaction; double transaction. 96 System Error; system error on the merchant side/failure to contact the issuing bank

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100 (used by Visa, similar to code 119 for MasterCard) – No permission. Incorrect data encryption method. (example: the issuing bank blocks magnetic stripe transactions for a Chip card). 101 – Card expired (examples: card expired or card was reissued) 117 – Invalid PIN code

119 for MC (see code 100 above): Unable to Encrypt Message – SecurePay's security methods were unable to encrypt the message

Code 182 – refusal of the issuing bank. The card may have restrictions on online payments.

Code Z1 – technical error of the terminal; if there is no PIN priority, the card is not serviced. Code Z3 – online does not work, but offline the terminal rejected the transaction. Q1 – card authentication failed NX – internal terminal error, for example, no network route or IP address reset

Functions performed

An issuer is a bank that performs standard functions in accordance with the regulations of any credit institution:

Operations for opening or closing accounts and other manipulations with them. For example, several bank cards can be attached to one account, which different people have the right to use (family members, company employees, etc.)
Confirmation of card operation. This means that at the time of making the payment, the bank agrees that this credit card belongs to you and the authorization process was successful
Providing complete information about transactions made with your account: replenishment or withdrawal of money from a bank card
Installation of various types of security systems: limited number of entries of an incorrect PIN code, code word, etc.
The ability to carry out payment transactions in other banks: withdraw money from “foreign” ATMs, top up the balance of a mobile phone through personalized terminals of a mobile operator, etc.

The essence of the concept of issuer is that the account is attached to a specific bank. He sets conditions and restrictions on the use of the card, and is responsible for its operation.

When using a credit card, the issuing bank guarantees that the required amount will be debited from the account in favor of the seller or another person. To confirm this, when making payments, you enter your PIN code and sign on the issued checks.

What is an unconfirmed transaction?

Unconfirmed transactions in Alfa Bank are transactions blocked by a credit institution until they receive supporting documents for the transaction.

Additional information from Alfa Click provides a definition of the amount of unconfirmed transactions:

Drawing . Unconfirmed transactions of Alfa Bank.

In other words, the client makes transactions, but the money is not debited from the card; it is held (frozen) until special clearing files are processed.

The process is as follows: The cardholder pays with the card at the store. Inserts the card into the POC terminal, authorization occurs and Alfa Bank receives a request from the payment system. Confirmation of information about the card, its activity, and the presence of a sufficient amount in the account is required.

When confirmation is received, an operation is performed to reserve the purchase amount for later debiting. If the client has an SMS notification enabled for card transactions, he will be sent a message stating that the transaction was successful and the account balance minus the purchase will be displayed.

The actual debiting of money is made after Alfa Bank receives clearing files from the credit institution that services this self-service device.

When the information is received and processed, it is uploaded into the credit institution’s system and funds are actually debited from the account.

The operation has many nuances and features, which depend on the self-service device used for payment, the bank, who owns it, the status of the card, etc.

For credit transactions in the Alfa Click account, unconfirmed transactions are also displayed:

Drawing . Display of unconfirmed transactions in Alpha Click.

There are certain rules that must be followed for a successful operation:

Third-party banks set their own deadlines for transactions , so the amount can be written off after the money is unblocked and the card balance will go into the minus (technical overdraft).
Compliance with authorization details . If a third-party organization generates files in such a way that the Alfa Bank system cannot identify them and link them to a specific transaction.
You should not change your card account while there are unconfirmed transactions on it.

Problems with credit cards and ways to solve them

In some cases, the payment system of the organization to whose account you want to transfer money refuses to carry out this operation with a reference to the card issuing bank. Most often this happens when making purchases in foreign online stores.

There are a number of reasons for such a refusal:

Reason No. 1 Card is blocked

Check the card for blocking. The bank may have deactivated (frozen) an account or a specific card without your knowledge, so the online transaction cannot be completed.

What to do?

There is only one option: call the bank’s hotline and find out why the payment did not go through. After clarification, the operator will offer options to resolve the situation. This will take some time (sometimes several weeks): investigation, processing of applications, restoration of the card.

Reason No. 2 The card does not match the payment

Check whether this type of bank card is suitable for making purchases in a particular online store. Most likely, the payment system does not support it. So, many stores only work with certain Visa series cards, and if yours is not one, then you will not be able to make purchases in this store. Also, the card may not be valid for payments in other countries, and not just in a specific store.

What to do?

Only your lack of foresight is to blame here. This means that when opening an account, you did not tell the bank employee about your wishes regarding the use of the card. If you plan to make payments that do not support working with this type of card, you will have to go to the issuing bank (the one that opened the account) and issue a new, more universal one for the same account.

Reason #3 Technical failure

This often happens for technical reasons: a server error, a non-standard failure, etc.

What to do if there are such transactions?

Well, you have learned what unconfirmed transactions of Alfa-Bank are, but what to do if you find them in online banking or in a mobile application, or maybe in a check? The fact is that the presence of such transactions does not oblige you to anything; you can withdraw money for the amount of these payments and, therefore, you will not be able to put the card in the negative. Therefore, you don’t need to do anything, wait a little and these transactions will disappear. If you wish, you can call the Alfa-Bank hotline and find out when the transaction will be closed.