If an error message appears on your screen after you try to pay from your Credit Card, or if we confirm your payment has not been successful, then you have not been charged. Credit Card payments can be unsuccessful for a number of reasons.
Payment Declined - By Your Bank:
The most common reason for an unsuccessful card payment is that your bank has declined it. This means they have sent a 'Do Not Honour' response to TransferWise. It's normal for them to stop a payment that they might perceive to be unusually large or to a new and unknown recipient - just in case.
The best way to resolve this is to give your bank a quick call, let them know it is you making this payment and that TransferWise is a trusted recipient. Ask them to approve the transactions with our (TEMOK's) descriptor (payment gateway/ processor) which is WWW TEMOK COM MDA CHISINAU.
Once they've confirmed this, your next attempt should be successful.
3D Secure Verification Issue:
If your card is flagged as not 3D Secure, or if you’re having issues with the 3D Secure data not being accepted (Verified by Visa/Mastercard Secure etc.), it is best to contact your bank to confirm if there is an issue and to make sure your card is 3D Secure.
If the issue persists, you can always make a bank transfer to us instead (if possible) or use an alternative card or can make payment via PayPal.
Insufficient Funds:
Your bank might also stop your card payment if there isn't enough money in your account or if you have a per-transaction limit. They could also be treating your payment as 'cash withdrawal'.
Though card limits vary from card to card and from bank to bank. Other banks may treat card payments as cash withdrawal, meaning your cash withdrawal limit will apply.
To find out more or to adjust your limits, please get in touch with your bank. It can take some time for the changes to take effect, so we recommend paying by bank transfer or PayPal or setting up a smaller transfer in the meantime.
Other:
In the majority of cases, card payments are unsuccessful due to one of the above reasons. If you see a more generic error message, the best option is to try an alternative payment method.
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