I had a declined transaction- Offline transactions

Typical reasons for declined transactions are if the wrong PIN is used or if the transaction value is higher than the balance on the card. These types of declined transactions are usually visible to us.

Typical reasons for declined transactions are if the wrong PIN is used or if the transaction value is higher than the balance on the card. These types of declined transactions are usually visible to us.

When we don’t see any declined transactions, it doesn’t mean the transaction did not happen but it does imply that the issue was on the merchant’s side.

Sometimes the connection between the merchant and the bank fails and other times it can simply be that the merchant or machine is offline.

 

When a merchant is offline, they are unable to access the account of the card to verify that funds are available. A merchant can only request a pre-authorization to have the funds held and then settle the transaction a few days later.

 

With a bank issued debit card, the merchant allows the transactions, even though he can’t check the balance on the account. This is because the issuing bank guarantees the funds. With pre-paid cards there is no guarantee there will be funds in the account when the merchant attempts to settle the transaction. The merchant therefore declines or refuses to accept the transaction in the first place. This is the case with all pre-paid cards and not just WeSwap.

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