Is your Capital One virtual card not working?
If you are having issues with Capital One virtual debit card, you have landed in the right place.
This post explains all the possible reasons why the Capital One virtual visa debit card may not work for you and what you can do to fix it.
So, let’s get started.
Why is my Capital One virtual card not working
There can be a dozen of reasons why the Capital One virtual card is not working, such as the retailer does not accept the card type, the card does not have a sufficient balance, the card limit has been reached, international transactions are not supported, or enabled, or transaction detected as suspicious one, or the servers of the Capital One are having issues.
Below, we have explained all the reasons why a virtual Capital One card may not work.
1. Card not activated
The first reason Capital One virtual card is not working or getting declined could be that the card is not activated yet.
So, before using the card, make sure that it is fully activated.
2. Capital One Eno browser extension not working
Another reason the Capital One virtual card is not working could be that the Capital One browser extension is not working properly.
You need to install the Eno browser extension to use the virtual card. As per Capital One:
To use virtual card numbers, first add the Eno browser extension. Once you’ve registered your Capital One credit card, Eno will generate a virtual card number for you when it’s time to pay. The only thing you need to do is fill in the shipping and billing information. And Eno automatically saves virtual card numbers for each merchant so they can be used again.
3. Card do not have sufficient balance
Another reason the Capital One virtual card is not working could be insufficient funds.
If your account does not have sufficient funds to cover the payment for your purchase, your card will not work.
The Capital One virtual card is a debit card associated with your bank account, so ensure your account has a sufficient balance.
4. Card Expired
Moving on, your virtual card may not work because it has expired, and you aren’t aware of that.
You might have received an email or notification about the expiration of the card.
So, make sure the card is not expired before using it.
5. Wrong credentials
Another reason your card is not working online could be the wrong details and credentials.
It could be that you have entered the wrong card number or entered the wrong pin.
Also, make sure that you are entering the right CVV number.
Moreover, if you are asked to enter your name, enter your official name (Cardholder’s name), the same associated with your card.
Do make sure to enter or use the correct shipping and billing information as used on the file.
6. Card type not accepted by Retailer
Moving forward, your virtual card may not be working because the retailer where you are using the card does not accept your card type.
So, before using the card, make sure that the merchant you are using buying with accepts your card type.
7. Card limit reached
There are limits associated with debit cards and credit cards for every type of transaction.
There are different limits for different types of transactions, such as online transactions, tap and pay (contactless) transactions, ATM withdrawal, international transactions, etc.
Apart from these, there may be other daily, weekly, or monthly transaction limits associated with your card.
So, when using the card, make sure that you have not exhausted or reached your card’s limit.
To check the limits associated with the card, you can log in to your net banking and adjust them there.
8. International transactions disabled or not supported
If you are shopping with an international merchant and your card is not working or getting declined, the reason could be that the card does not support the international transactions or they are not enabled yet.
So, before using the card on an international website, ensure that your card supports international transactions and they are enabled.
9. Capital One server’s down
Moving forward, another reason the virtual card is not working could be due to the Capital One server issues.
It’s always good to know whether the issue lies on your end or on the client’s end.
That being said, you can check the server status of Capital One servers online for free.
We would suggest visiting the downdetector page for Capital One. Here check the user comments and number of reports.
If the reports are significant, it means the servers of Capital One are having issues.
In this case, you would like to use your card till the servers get restored.
10. Merchant technical issue
If the servers of Capital One are working fine, then there could be a server issue or other technical difficulties with the merchant website with whom you are shopping.
If the issue lies on the retailer’s website, there isn’t much you can do to fix it apart from contacting its support or just using its alternative.
11. Suspicious transaction
Your transaction might have been detected as suspicious, which could be why your Capital One virtual card is not working or getting declined.
In some cases, banks set a security measure that prevents your card from being misused online.
So when you enter your card details on websites, your card prevents you from carrying out the transaction.
So you are required to contact your bank and verify that you are yourself authorizing the transaction. Then the transaction is processed.
12. Card blocked or frozen.
Lastly, your card not working could be because the card has been blocked or frozen by the bank itself.
Now, there can be several reasons why the card might have been frozen or temporarily blocked.
In this case, you might have received an email or SMS from your bank about your card blockage.
Contact Capital One support to unblock the card if this is the case.
So, that’s all, folks. I hope after reading this post, you have got an idea why was your Capital One virtual card was not working.