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# Declined Transaction at Point of Sale (POS)

If your card is declined at a POS terminal, there may be several reasons.
This guide helps you identify the issue and fix it before retrying the payment.

# Before you retry

* Make sure your wallet or company wallet has enough balance
* Confirm the POS terminal is connected to the internet
* Check that the card is not damaged or wet

Some declines are related to the card itself.

# Card issues

* Chip is scratched or damaged
* Card is expired or blocked
* Card was swiped instead of inserted

###### What to do:

* Clean the chip gently
* Insert the card and enter the PIN
* Request a replacement card if the issue continues


Other declines happen due to incorrect usage or limits.


# PIN, balance, and limits

* Incorrect PIN was entered
* Wallet or company wallet balance is low
* Daily, monthly, or per transaction limit is reached
* Merchant category or time restrictions apply

###### What to do:

* Check your PIN in My Card
* Review card limits and status in the platform
* Contact your company administrator if needed


###### In some cases, the issue is external.


# Network or merchant issues


* Temporary banking partner issues
* POS terminal not properly connected
* Wrong payment mode used

###### What to do:

* Wait a few minutes and try again
* Ask the merchant to use Card Present mode
* Insert the card and enter your PIN

###### If the card cannot be read, it may be demagnetized.


# Muted or demagnetized card

* POS shows **Muted card**
* Card was exposed to phones or metal

###### What to do:

* Wipe the chip gently and retry
* Cancel the card from the platform
* Request a replacement card


|| Always complete your first transaction using your PIN. Keep your card away from phones and metal objects. Check your balance before making a payment.