Visa Prepaid Reloadable Personal Cards (2024)

FAQs

Why does my prepaid Visa get declined? ›

There are a number of possible reasons why a purchase could be declined: You don't have enough money left on your card. You haven't activated or registered your card. The address you gave to make an online or phone purchase is different from the address you have on file with your prepaid card provider.

Prepaid cards are available online and at retail locations, and buying one is anonymous when you go the latter route. However, while you'll be able to load funds to a prepaid card obtained in store at the time you get it, you won't be able to anonymously reload it for recurring use.

A prepaid card is not linked to a checking account. Instead, it is pre-loaded with a balance of funds. Then each purchase you make is deducted from that balance. In most cases, you can't spend more money than you have already loaded onto your prepaid card.

Generally, with prepaid cards and debit cards, you can't spend more than you have loaded on the card or than you have in your account. If you try to spend more, the transaction is denied. However, some bank and credit union accounts allow you to make overdrafts, and so do some prepaid cards.

The most common reasons are that the card hasn't been activated, the cashier is running the wrong type of transaction, the dollar amount being charged is greater than the card's balance or the credit card processing machine is bumping up the charge amount to either place a hold on the card or to allow for a gratuity.

The three main reasons credit card transactions are declined are 1) the funds are unavailable, 2) incorrect security code, or 3) billing address does not match. Please contact your credit card vendor to see why the transaction was declined.

Because these cards aren't tied to a specific issuing bank or lender, they are hard to track for fraud prevention purposes. However, many prepaid cards are tied to credit card networks, which provides some level of security.

Prepaid cards that don't require a social security number include Bluebird American Express and Serve American Express.

Netspend^® Visa^® Prepaid Card

We will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver's license or other identifying information. Card use restrictions may apply. See netspend.com or card order page for details.

Do you need a bank account for a reloadable Visa card? ›

A reloadable debit card, on the other hand, is not linked to a bank account. So, unlike a bank debit card, which normally allows you to spend as much money as you have in the account, a reloadable card limits you to the money you have loaded onto it. Using a reloadable debit card is fairly simple.

What Can You Not Do With a Prepaid Card? With a prepaid card, you cannot borrow money. 3 (It does not function like a credit card.) You only have access to the funds loaded on the card, which can be reloaded, but you cannot utilize more money than you have.

Prepaid cards can be declined because you don't have sufficient funds in your account, the card hasn't been activated, the merchant doesn't accept the network's cards, or you have exceeded your spending limits. Any information you provide to the merchant must also match what's on file with the prepaid card issuer.

You can use the gift card to purchase goods and services at any merchant within the U.S. that accepts Visa debit cards, including online merchants. Your gift card cannot be used for internet gambling, international purchases and/or any illegal activity.

An application may be denied because the consular officer does not have all of the information required to determine if the applicant is eligible to receive a visa, because the applicant does not qualify for the visa category for which he or she applied, or because the information reviewed indicates the applicant falls ...

There isn't enough money on the card

With a prepaid card, you need to know your balance before spending to avoid declines due to low funds. For example, if you have $4.27 on your prepaid card, but try to buy a $5 item, the transaction will fail since the card balance is insufficient.

Your visa application might be rejected if you had previously travelled to the country and were involved in unacceptable activities. Also, your application will be rejected if you do not have good relations with the country for any reason.

Please ensure that you are entering the card number, expiration date, and security code (CVV) accurately, without any errors. Additionally, it may be helpful to check the balance on your card. There is a possibility that the card is empty or does not have sufficient funds for the purchase.