My virtual card has been declined

You can view the transaction decline reason within your Novo App by navigating to the Activity tab and clicking on the declined transaction. Within the Status section, you will see "Declined" along with the decline reason.

You can find all of the possible decline reasons and what they mean below:

• Insufficient Funds: When your available balance is less than the transaction amount
• Wrong Billing Address: If you entered a zip code that does not match the business address on your account
• Card has been deactivated: When the virtual card has been closed 
• Card is Frozen: When virtual card status is frozen (you can freeze/unfreeze the card manually in the app)
• Account is not active: When your account status is not in "active" state
• Network issues: When bank network could not be reached at the time of Authorization
• Exceeds daily transaction limit: When customer reach the daily limit
• Account is under withdrawal freeze: When withdrawal freeze applied on account
• Error in the transaction: A generic decline, typically for a technical issue such as an internet disconnection, network error or power outage at the time of the transaction