What causes a decline?

Like other credit cards, sometimes your Divvy card will decline when attempting transactions. This article outlines some of the reasons why your card might be declined and how you can fix the issue to start spending again as quickly as possible.

Below is a list of common reasons for declines and troubleshooting solutions.

Decline

Reason

Troubleshooting Tips

CARD ON HOLD

Card is on hold

Reach out to your admin to remove the hold.

CANCELLED CARD

Card has been cancelled

Reach out to your admin to order you a new card.

EXPIRATION DATE DOES NOT MATCH

Card has expired

Reach out to your admin to order you a new card.

DRIVER ID INVALID

Driver’s license invalid

Ensure your driver’s license is up to date in your Divvy profile.

CARD IS BLOCKED

Card has been blocked

Log in to Divvy and unblock your card. If you cannot, reach out to your admin.

ADDRESS VERIFICATION FAILED

Incorrect zip code

Use your company’s current and correct billing zip code (ask your admin for details)

EXCEEDS CARD TRANSACTION LIMIT

Insufficient funds on the card

Request funds for that budget through the mobile app.

INVALID CVC CODE

Invalid security code

Double check the security code on the back of your card.

COMPANY NOT ACTIVE

Company is not active in Divvy

Reach out to your admin and inform them that the company needs to be activated.

MCC CODE NOT ON MCC TABLE

Merchant decline

Complete the purchase with another vendor.

Where can I see my declines?

You can see your declines by logging into Divvy.

  1. Log in to your Divvy account and select Transactions from the left menu.
  2. From the top menu, click Declined.
  3. Under Decline Reason, review the decline code and troubleshoot according to the table above.

If you are getting a decline you do not recognize, feel free to click the Help icon in the bottom left-hand corner of your screen‚— we’ll be happy to assist you!

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