Your Divvy card may decline when attempting transactions. This article outlines some of the reasons why your card might decline and how you can troubleshoot the issue to start spending again as quickly as possible.
Find Transaction Declines
Click the Transactions link in the Navigation Menu [1]. Then click the Declined link [2].
In the Decline Reason column, view the decline reason for each declined transaction.
Decline Reason Definitions
Below is a list of common reasons for declines and troubleshooting solutions.
Decline Reason | Definition | Troubleshooting Tips |
Address Verification Failed | Transaction includes Incorrect billing address | Use your company’s current and correct billing address |
Account Load Failed | Connectivity error occurred at the card network | Reattempt transaction |
ATM Transactions Not Allowed | Card not permitted for ATM transactions | Divvy cards cannot be used for this transaction |
Blocked Card | Card has been blocked | Log in to Divvy and unblock your card. If you cannot, reach out to your admin. |
Cardholder Not Active | Inactive cardholder | Contact your Divvy admin |
Card on Hold | Card is on hold | Contact Divvy Customer Support to remove the hold |
Cashback | Cashback transaction attempted | Divvy cards cannot be used for cashback transactions |
Cancelled Card | Card has been cancelled | Contact your admin to order you a new card |
Company Not Active | Company is not active in Divvy | Contact your admin and inform them that the company needs to be activated |
Digital Wallet Token Failure | Mobile wallet timeout error | Reattempt the transaction with the merchant. |
Expiration Date Does Not Match / Expiration Mismatch | Expiration date connected to transaction does not match expiration date on card |
|
Inactive / Not Active Card | Card has not been activated in Divvy | |
Insufficient Funds | Spend limit on the card does not contain enough funds to cover the transaction | |
Invalid Chip Data | Chip is invalid | Try using the card another way: tap to pay, swipe, or manual entry |
Invalid CVV/CVC Code | CVV/CVC code is invalid |
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Invalid MCC Code | Merchant does not accept your card | Complete the purchase with another merchant |
Invalid Message | Connectivity error occurred at the card network | Reattempt transaction |
Invalid PIN / Debit Unsupported | Debit transactions are not supported | Run the card as credit instead of debit |
Merchant Not Allowed | Merchant has been blocked for any of the following reasons: industry, fraud risk, or location | Purchase from another merchant. Contact your Divvy admin for more information. |
Network Decline | Connectivity error occurred at the card network | Retry transaction |
Network Over Capacity | Network is unable to process transactions due to high volume | Retry transaction later |
Quasi Cash | Transaction is to purchase item(s) that can be converted directly into cash. | This type of purchase is not supported |
Service Error | Card processing error | Try the transaction again. |
Suspended Card | Card is frozen |
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Suspicious Activity | Transaction has been declined for suspicious activity | Confirm the transaction is legitimate, then contact Divvy Customer Support the hold to be removed |
Transaction Not Allowed | Transaction is not allowed. | You cannot use your Divvy card for this type of purchase |
Unsupported Currency Code | Currency used is unsupported | Transaction needs to be made in US dollars |
Unsupported Transaction Type | Purchase is outside our rules of servicing and is restricted | This type of purchase is not supported |
ZIP Code Mismatch | Billing ZIP code does not match ZIP code on card | Check the ZIP code used in the transaction to ensure it matches the ZIP code on the card. |
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!