While making a payment online, sometimes you will encounter an error message that says “Your card does not support this type of purchase”. Even if you have enabled e-commerce and international transactions on your credit/debit card, the same message will appear, making it difficult for you to complete the transaction.
The majority of Internet users encounter this error on a daily basis when using their credit or debit card to pay for merchandise or services online. In this article, we will discuss what are the possible reasons that can cause this “your card does not support this type of purchase” error and how you can fix it quickly.
Why this payment error occurs?
There are several reasons that can lead to this payment error. Below we have listed them all –
1. Your card requires E-mandate
E-mandate, also known as standing instruction, is an electronic form of authorization that allows customers to give permission to merchants, businesses, or service providers to debit their bank accounts or credit card for payment.
As per the RBI rules in India, the bank requires an e-mandate on recurring payments. If you are signing up for a service that will automatically debit your bank account at pre-defined intervals like Netflix, you will need to have an e-mandate registered on your bank for that merchant or service provider.
If the bank doesn’t have your e-mandate, the transaction will fail and you will get an error message like “Your card does not support this type of purchase”.
2. International transactions are disabled
Another reason why people experience this payment error is because their credit or debit card does not support international transactions. Most banks and card issuers have this feature disabled by default. This is as per the rules outlined by the RBI to protect customers from fraudulent online transactions.
3. Your card requires 3D secure authentication
3D Secure is a form of authentication that is used to protect your online credit or debit card transactions. This additional layer of security is designed to verify the identity of the cardholder and ensure that the transaction is legitimate.
3D secure authentication helps to reduce the risk of fraud and identity theft. It requires the card holder to provide a one-time passcode during the checkout process in order to complete the transaction. This passcode is sent by the bank to the cardholder’s registered mobile number.
Most banks have this 3D secure authentication enabled on their debit or credit cards. While some online websites do not have the ability to process 3D secure authentication, this might be the reason why you are getting “Your card does not support this type of purchase” error.
4. Your bank is blocking authorization
There are a few other restrictions that can cause your bank to block the authorization of your card. These restrictions can include blocking transactions in certain countries, limiting the amount of money that can be spent each month, or blocking transactions over a certain amount.
Payment stops on your card can also restrict you from making transactions. This usually happens with a credit card that has a monthly spending limit. Some banks may also block transactions that are deemed to be high-risk, such as those involving gambling or certain types of online purchases.
5. You are using a debit card
The error message “your card does not support this type of purchase” may occur if you are using a debit card to make the purchase. Some merchants do not accept debit cards. You can contact the service provider and ask them what type of cards they accept.
6. The bank has flagged the transaction as fraudulent
To protect customers, banks have systems in place to detect and prevent fraudulent transactions. If a transaction is flagged as suspicious, the bank will decline the payment automatically. Sometimes this can happen by mistake as well.
How to fix “Your card does not support this type of purchase“
Different methods can be employed to resolve this payment error, based on the reasons why it occurred. Let’s explore all the methods!
1. Allow authorization from your bank
If your transaction has been cancelled due to some banking restrictions, the best way to fix it is by contacting your bank in person or via call and letting them know that you want to authorize the transaction. If the problem is due to an e-mandate, ask your bank to authorize the merchant for recurring payments.
Note: Some merchants are non-compliant with e-mandate and this will leave you with no other option than to find an alternative way to make the payment. Please contact your bank and they can assist you further.
2. Enable international transactions
If the merchant is located in a different country other than where you are living, you are likely to encounter cross-border restrictions on your transactions. This can be easily fixed by enabling international transactions on your credit or debit card.
If you are using internet banking, log in to your account and go to the Card Usage section. There you will find an option to enable your card for international usage and e-commerce transactions. You can also do this from the official mobile banking app such as YONO SBI.
Some banks also provide SMS service to enable these transactions on your card. You can search on Google to look for specific instructions for your bank. Alternatively, you can visit your bank branch and ask the customer executive to enable international usage on your card.
3. Use a credit card
As we discussed previously, some merchants do not accept debit cards. If this is the reason why you are getting the payment error “your card does not support this type of purchase”, you have to use a credit card to make the purchase. If you don’t have one, ask a family member or friend.
4. Use a different payment method
You could try using a different card or an alternative payment method such as PayPal, Google Pay, or Apple Pay. If you don’t have any other payment options, contact the merchant directly to find out what other payment methods they accept.
5. Contact your bank
If all else fails, the last resort is to contact your bank to find out why your card isn’t working. Make sure to provide them with all the necessary information related to your issue. Also, let them know what solutions you have already tried. They may suggest you to get a new card.
Frequently asked questions
It could be due to insufficient funds, your card may be expired, or your bank may have blocked the card for security reasons. You should contact your bank to know why your debit or credit card is not allowing online purchases. If everything is in order, you may need to contact the merchant to resolve the issue.
Yes, you need to activate your debit card for international usage and e-commerce transactions. You can usually do this by contacting your bank or by logging into your bank’s online portal. After activation, you can use your debit card for online purchases.
It depends on the issuing bank. Some banks may restrict the use of debit cards for online purchases, while others may allow it. It is best to check with your bank to see if your debit card can be used for online purchases.
It could be due to several reasons. Maybe your card has expired, you have reached your daily purchase limit, the card is blocked due to suspicious activity, or the card issuer has declined the transaction. Contact your bank for more information.
So that’s how you can fix the “your card does not support this type of purchase” error. The reasons for this payment error should now be clear to you. Let us know what was causing a problem with your credit or debit card. We have also shared some alternative ways to make your transaction successful. If you want to ask any questions regarding this topic, let us know in the comments below.