You can use your debit or credit card to pay for your Wise transfers, but sometimes you might get an error. Here are the most common issues and what you can do to fix them.
Your bank declined the payment
This means the bank has told Wise not to take the money. It’s normal for them to stop a payment that looks unusually large, or if it’s to a new and unknown recipient.
The best way to fix this is to contact your bank, let them know it’s you making this payment and that Wise is a trusted recipient.
Your 3D secure is not working
Sometimes your internet browser can be what’s causing the problem with your 3D secure verification.
Follow these browser solutions then make your payment again. If you’re still having issues, call your bank to ask for help.
You're having browser issues
Some antivirus or firewall software can affect your card payments.
To fix this, make sure Wise is on the list of safe merchants on your antivirus software and check that any antivirus or firewall software you have installed allows pop-ups.
You received a message about insufficient funds
Your bank might stop your card payment because you have a per-transaction limit. Other banks treat card payments as cash withdrawals, meaning your cash withdrawal limit will apply.
To find out more or to adjust your limits, get in touch with your bank.
Wise declined your payment
Wise sometimes stops card payments to protect our customers from potentially fraudulent activity. It could be because your card was issued in one of the countries we don’t currently support.
Most of the time, card payments are declined for the reasons listed above. Unfortunately, if these solutions don't work, it's best to try another payment method.