If one of your payments with the amnis debit card is declined, we recommend trying to pay again as a first step. Declines may happen due to a temporary loss of connection in-store or online.
If your transaction is declined a second time, you will receive an email from us informing you why your card transaction was rejected. The table below outlines the possible reasons for the decline, along with explanations and suggested actions.
Please note: If you are card user, we recommend contacting the card administrator, such as your manager. Inform them about the reason for the decline from the e-mail so that they can take further action.
With few exceptions, all necessary actions/settings can be made both in the amnis WebApp and in the amnis Mobile App.
Declination reason* | Explanation | Recommended action |
Daily card limit reached | The card has reached its daily card limit. | As an admin user, you can adjust and increase the daily card limit. Simply select the respective card, open the "Spending limits & settings" tab and adjust the daily limit under "Spending limits". |
Monthly card limit reached | The card has reached its monthly card limit. | As an admin user, you can adjust and increase the monthly card limit. Simply select the respective card, open the "Spending limits & settings" tab and adjust the monthly limit under "Spending limits". |
Global card limit reached | The card has reached its total card limit. | As an admin user, you can adjust and increase the global card limit. Simply select the respective card, open the "Spending limits & settings" tab and adjust the global limit under "Spending limits". |
Transaction country not allowed | Option 1:
Option 2: You have restricted the usage in a specific country for this card. | Option 1: Option 2: If the country is supported, you can change the country validity as an admin user. Simply select the respective card, open the "Spending limits & settings" tab and edit the country validity under "Settings".
Note: This setting can only be adjusted in the amnis WebApp. |
Insufficient funds | The transaction amount is higher than your remaining overall balance. The overall balance is displayed in your amnis account in the top left corner. | As an admin user, please top up your amnis account. |
Cash withdrawals not allowed | You have restricted ATM cash withdrawals for this card. | As an admin user, you can enable cash withdrawals for this card. Simply select the respective card, open the "Spending limits & settings" tab and enable withdrawals under "Spending limits". |
Incorrect PIN used | You probably have entered a wrong PIN code. | Please try again with your correct PIN code. |
Incorrect CVV code | You probably have entered a wrong CVV code. | Please try again with your correct CVV code. |
Card suspended | Your card has been suspended. | As an admin user, you can reactivate the card. Simply select the respective card and click the green "Reactivate card" button, right next to the card illustration.
Note: As a card user, you can only reactivate the card if you have suspended the card yourself. |
Card not activated | You card has not yet been activated. | In order to make your first transaction, your card must be activated. Follow the steps in this article to activate your card. |
Card expired or expiry date is incorrect | The card is expired or the expiry date is incorrect. | Please try again with the correct expiry date. If the transaction is still declined, your card may have expired. In this case you will need to issue a new card.
Note: Issuing a new card must be done in the amnis WebApp. |
3-D Secure authentication error | An error has occured when authentication. | Please try again or contact our support if the error persists (see below). |
* You can also find declined card payments in the transaction overview within the WebApp and Mobile App. Rejected card transactions will show an "error" status in red. By clicking on the transaction, you can see the reason for the rejection.
If the above mentioned recommended actions didn't resolve your issue and your card is still being declined, please contact us so that we can investigate it further:
Email: [email protected]
Website: Contact Form or Chat (blue icon in the corner)
Phone (CH/LI): +41 44 512 05 11
Phone (Other Countries): +43 1 2271 251 004