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отказ при оплате картой

Причины отказа при оплате банковской картой

Многие попадали в неловкие ситуации, когда расплачиваясь банковской картой, слышали отказ, невозможность проведения операции. Неприятный случай, ведь человек уже твердо решил приобрести товар. Особенно неловко, если нет наличных денег и приходиться с грустным выражением лица и чувством неудобства, покидать торговую точку, заведение общественного питания. Почему кредитная карта может заставить краснеть? Рассмотрим возможные причины отказа при оплате банковской картой.

ТОП 3 причины отказа

Не надо сразу впадать в панику, звонить сотрудникам банка, устраивать скандал. Нужно проанализировать причины отказа при оплате картой:

  1. Недостаточно денег на счету. Немногие владельцы карт регулярно контролируют баланс. Особенно, если человек отправился в торговый центр, осуществляя за несколько часов около 5-7 покупок. Совет: можно подключить систему уведомления о проводимых транзакциях, балансе счета. Мгновенно после совершения операции на указанный номер телефона приходит СМС-сообщения с информацией. Клиент банка сможет всегда быть в курсе, какой остаток есть на счету. Соответственно, получает отказ при оплате.
  2. Неисправность терминала. Любая техника иногда ломается. Могут быть минимальные дефекты, не позволяющие осуществлять операции; отсутствует связь с банком; устройство «не видит» карты. Сотрудник магазина самостоятельно ничего не сделает, надо вызывать мастера или обращаться в службу поддержки банка.
  3. Неправильно введенный ПИН. Клиент может банально забыть код, ввести по невнимательности не ту комбинацию, задуматься. Нужно еще раз попробовать ввести ПИН. Осуществляя покупки в интернет-магазине можно получить отказ из-за неверно введенного CVV-пароля.

Дебетовая карта зачастую преподносит неприятности по вышеперечисленным причинам. Но, бывают и другие случаи.

Лимиты

Не каждый знает о предусмотренных ограничениях, касающихся максимальных сумм в день или месяц, максимальное количество транзакций. Устанавливаются лимиты с целью защитить карту клиента, баланс на ней в случай потери или кражи. Отказ при покупке по такой причине бывает редко, так как ограничения измеряются пяти — шестизначными суммами. Позвонив в банк лимит можно в течение нескольких минут увеличить. Некоторые финансовые структуры предоставляют возможность клиенту самостоятельно изменить лимит, воспользовавшись услугой через онлай-банкинг.

Ошибка сотрудника

Неопытный сотрудник торговой точки выбирает неверный вариант операции, вводит не тот счет. В последствии – отказ на карте. Придет СМС-сообщение с текстом «некорректный счет» или «неверные данные» нужно попросить сотрудника еще раз выполнить транзакцию уже более внимательно.

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