Transaction Declined

Why was my card declined?

Your card may be declined for various reasons, including an expired card, exceeding your account limit, or insufficient balance. If you’ve made recent purchases, reserved funds may be in place until those transactions are cleared, impacting your available balance.

What should you do if your card is declined?

First, double-check that you’ve entered your details correctly and have sufficient funds. If attempting a contactless payment, be aware of limitations—five consecutive payments, a maximum individual payment of 50€, and a total of 150€ for consecutive contactless transactions. Use your card’s chip and PIN for the transaction. If issues persist, contact your Tuomioistuinlaitos office for assistance.

Can I reduce the chances of a declined card?

Yes, stay proactive by monitoring your account regularly, keeping track of your card’s expiration date, and staying aware of your spending habits and account balance.

Is there a way to avoid reserved funds?

Reserved funds, lasting 1 to 30 days (typically 1 to 8 business days), secure transactions on your account. These are visible in “waiting” status on MyPortal. Allow at least eight business days for automatic clearing. If needed, contact the merchant after this period. If issues persist, contact your Tuomioistuinlaitos office for further assistance.