Due to SpankPay's strict "zero chargeback" policy, there might be an instance when a debit card transaction fails. More often than none, it would be due to "high fraud risk". The following points are considered high fraud risk and might result in a debit card payment declining:



1.  Check with your bank-issued card to see if you have any holds/blocks for cryptocurrency transactions 


2.  Apple Cash Cards and Prepaid Cards are not accepted 


3.  Review your Apple Pay info and card billing info 


4.  Visa and MasterCard only


5. Cards connected to business accounts not allowed 


6.  P.O. BOX address not accepted 


7.  You will need to use a mobile phone # and not a landline/VOIP # 


8.  If you use a different device to complete the transaction (smart phone, laptop/PC, tablet, etc.)


9.  Clear your browser history/cache and cookies


10.  The customer's card is over the limit for the week/month.  Please check this doc for more info on limits.


11.  The email used during the transaction was newly created.  Please use an established email account.


If the problem persists, please wait 1-2 business days since your last attempted transaction before attempting another purchase.


If you have any further questions, our support team is happy to help.  Feel free to email us anytime at support@spankchain.com