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Friday April half dozen, 2018

Why Won't My Gift Carte du jour Piece of work?

How it Feels when a Carte du jour Gets Declined

If you take ever been at a store or eating place and had a credit or debit card declined, then you know it can exist an embarrassing experience. I take had cards reject because the magnetic striped stopped working, the menu had been compromised (the number stolen even though I still had the plastic), and yes, a few times, the purchase amount exceeded my credit limit.

Gracious cashiers or servers are understanding. Some will run the card a second time to see if the carte still declines. Others volition quietly ask you for another card or some other form of payment so the people behind you lot in line don't hear. Some cashiers will even offer an alibi to save yous public embarrassment by saying things like, "We've been having issues with our credit bill of fare machine all 24-hour interval" or "nosotros just had a change to our organization that might exist causing the card to decline." No matter how well the cashier handles the situation, being asked for a unlike card can be embarrassing–or just plain frustrating.

The same affair can happen if yous employ a gift card to brand a buy.

Souvenir Cards THEN and NOW

THEN: When Giftcards.com first started selling Visa® Gift Cards more than than a decade ago, few consumers knew how to utilise the cards and many cashiers were every bit confused. Cashiers didn't know if they should run the cards as credit cards, debit cards or gift cards. Instructions on the cards didn't help. Many Visa souvenir cards say "debit" carte on the front but have printed instructions on the dorsum that say the card should exist run as a "credit" transaction. (Credit transactions don't require personal identifcation numbers (Pivot) to be entered.) And lastly, customers would frequently press "gift bill of fare" on the terminal because the carte du jour is, after all, a gift menu. That was then.

NOW: Today, souvenir cards are the most-requested gift for the holidays, birthdays and other special occasions. Bank-issued souvenir cards such as Visa, Mastercard, American Express souvenir cards and Notice souvenir cards are amongst the most popular gifts to requite because they can be used nearly anywhere. These gift cards are redeemable in stores, online and over the phone wherever those brands are accepted as debit or credit cards.

Because gift cards are more than popular and our technology has become more advanced, people experience fewer issues paying with souvenir cards. Though the gift card decline rate has gone downwardly significantly, it does still happen on ocassion.

The Primary Reasons Gift Cards Turn down

Though occassionally souvenir cards get damaged, in general, our souvenir cards are very reliable. So when a card does refuse, information technology is well-nigh often a lack of understanding on the customer side or a problem with the bespeak-of-sale (POS) terminal on the business concern side. Let me explain further:

Consumer Education. When people come across the Visa or Mastercard logo on a prepaid bill of fare, some assume the card will work exactly like a credit carte du jour. There are 2 distinct differences, withal. Gift cards more often than not have a low value on them with no credit line or overdraft protection. Then a buy attempt of even $0.01 over the menu remainder will pass up. Secondly, you tin can get cash back from a credit card. That is not the instance with a gift card. So if you attempt to get cash from the gift card either at an ATM or past asking a cashier to accuse more than the purchase amount, the unabridged transaction will reject as well.

Technology Problems. A good portion of the existing credit card transaction systems and POS terminals that are used to procedure card transactions (credit, debit, gift and prepaid) were designed before network-branded prepaid cards existed. Though many stores and restaurants accept now upgraded their systems, you may withal find a cash register that is not equipped to handle a gift card transaction unless the cashier knows how to run the card precisely.

Four Times Gift Cards May Reject

In no particular order, hither are the top four places that your Visa, Mastercard, Discover, or American Express Gift Menu may be declined and how to avert the trouble:

1. At Gas Station

The adjacent time you are pumping gas, look for a credit card dominance limit sign. When paying for fuel at the pump, near all gas stations pre-authorize cards for a payment of $75 to $125 in advance. They do this considering the system does not know how much gas you volition pump. So if your souvenir carte du jour does not take a residue college than the pre-authorization amount, the card will decline–fifty-fifty if you lot simply intend to pump a few dollars worth of gas.

To avert this problem, take your menu into the gas station and tell the attendant how much gas you lot would like to purchase. Run the transaction in the store for that verbal amount. Then render to the fuel pump to pump your gas.

Here's more than information on how to utilize a gift bill of fare to purchase gas.

2. At Restaurants.

Many credit card systems at restaurants are designed to authorize 20% above the full amount of the neb. They do this to ensure the customer will exist able to exit a standard tip in additon to paying the base of operations cost of the meal.

Then you lot have a $100 Mastercard gift card and the pecker at your favorite local restaurant is $ninety.  This should not be a problem, simply the restaurant terminal volition run the card for $108 which is 20% over the $90 bill. Since your carte has a $100 limit, the transaction will turn down.

To avoid this, tell the server how much is on your card and that you lot would like to pay the tip separately. You could alternatively use the entire gift card for the buy (in this case, giving a 11% tip) and then leaving a few extra dollars in cash. Either way, you must tell the cashier not to exceed the residuum of the card.

Here's more information on how to use an egift card at a restaurant.

3. Without Activation.

When you receive a new gift bill of fare, you may be required to actuate the card before information technology can be used. This is a security measure to prevent someone else from using the card if it gets lost or stolen earlier the intended recipient tin can claim it. Some people forget to activate their gift cards earlier attempting to utilise them. Here's more than information on how to activate a gift card.

iv. When Insufficient Funds.

The great thing about souvenir cards existence so commonplace at present is that almost terminals are designed to accept both gift cards and some other form of payment in a single transaction. But not all credit carte terminals have been updated.

Recently, I received a Visa reward card. I used the card several times throughout the 24-hour interval. As I attempted to brand a last purchase at the grocery store, notwithstanding, the card declined because I did not have enough money on the carte du jour to encompass the full transaction. I had hoped the system would accept the remaining balance and and so allow me to complete the purchase with my debit carte–this is what ordinarily happens when I shop major retailers. Since this grocery store had older technology, the card didn't work at all.

To avoid this issue, bank check the remainder of your gift card before getting in line at the greenbacks register. If I had know the residual of the card, I could have asked the cashier to run the payment again for a specific corporeality.

Here'due south more information on how to run a separate tender transaction with a gift card.

Overall gift card decline questions driblet every year every bit people become more than comfortable using their gift cards and payment processing systems get more sophisticated. If you have read this postal service and your gift card still doesn't piece of work, cheque this list of 12 Things to Try if Your Visa® Gift Card is Not Working.

Practice you have other gift card questions or demand more gift card assistance? Let me know in the comments beneath or reach out to me on Twitter (@GCGirlfriend).

Endmost:

Happy Souvenir Carding!

~Shelley Hunter, Gift Card Girlfriend

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Source: https://www.giftcards.com/gcgf/why-wont-my-gift-card-work

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