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Declined Transactions

Declined Transactions

Updated this week

Card declined? Here are some common reasons — and how to fix them.

What to do

  1. Open the Atlas app and go to the Card or Money tab

  2. Scroll down to Recent Transactions and tap the declined charge to see why it didn’t go through

Common Reasons for a Decline

  • Not enough funds
    Make sure your Atlas Card has enough available balance to cover the purchase.

  • Spending limits
    You may have reached a daily or per-transaction limit.

  • Wrong card details
    Double-check your card number, expiration date, CVV, and billing address — especially for online payments. A small typo can cause a decline.

  • Card status
    Your card might be paused or closed. To check: Go to Card tab > Physical & Virtual Card, then tap your card to view its status.

  • Security checks
    Some transactions may be flagged for review to help protect your account. If needed, you’ll hear from us or can contact support.

  • International transactions
    Your card may not be set up to work in certain countries or currencies.
    See how to use Atlas internationally

FAQs

Q: Why was my card declined even though I had money?

A: It could be due to pending transactions, card limits, or security settings. Check the app for details.

Q: What should I do if I didn’t make the transaction?

A: If you get a popup, tap “No” to report it. If not, reach out to Support and we’ll help right away.

Q: Can I retry the transaction?

A: Yes—just make sure your card is active and you have enough available balance.

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