Your credit card company will be able to check the transaction log for your credit card and help fix the problem. Should the transaction continue to fail you might want to get in touch with your credit card company. Also ensure your card is actually a credit card and not just a debit card. In most cases this would solve the issue.ĭo carefully check the card details before confirming the transaction for processing. In case of a transaction failure, ISHS recommends to first try using an alternative credit card, or to give it another try with the same credit card again but at a later time. This means that unfortunately ISHS cannot assist in solving the issue which is strictly a matter between the card issuing credit card company (who refused to authorize the transaction) and the credit card holder (who initiated the process to have the amount of the transaction charged to his/her credit card). Your credit card company would even not disclose to ISHS the exact reason for your transaction to fail. It should be understood that ISHS has no control over such transaction refusal. In other cases the reasons are less obvious and may relate to the ever increasing fraud prevention and/or other security measures implemented by credit card companies to protect the cardholder against card abuse. Sometimes online credit card transactions would fail - the reasons for such failure may simply be the use of a wrong card number or the card limit has been reached, etc. If you're the forgetful type, start hanging on to the receipts from your debit card transactions so you can compare these against your online transactions.Secure online credit card transactions are processed in real-time on behalf of the ISHS by the authorized merchant payment service provider Ingenico (previously Ogone) using the highest levels of security available on the market. If you see unfamiliar transactions, call the bank right away. The sooner you detect fraud, the easier it will be to limit its impact on your finances and your life.
Check your balance and recent transactions daily. The easiest way to spot problems early is to sign up for online banking if you haven't already. If your bank isn't cooperating, try contacting a government agency like the Office of the Comptroller of the Currency.If you find evidence of debit card fraud, contact your bank immediately and report the activity.Getting bank alerts, going paperless, destroying old debit cards, and protecting mobile devices are recommended ways to help prevent debit card fraud.The easiest way to spot debit card fraud is to sign up for online banking and monitor your account for suspicious activity.Debit card fraud occurs when a thief accesses your card or PIN number and makes unauthorized transactions.
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