PS Wallet Where the card doesn't work
Countries and merchant categories where the card may not work, reasons for declined payments, and what to do about them.
On this page
Countries
The card cannot be issued to a cardholder from these countries, and payments at merchants in these countries may be declined:
- Afghanistan
- Belarus
- Burundi
- Venezuela
- Haiti
- Guinea-Bissau
- Democratic Republic of the Congo
- Zimbabwe
- Yemen
- Iraq
- Iran
- China
- DPRK (North Korea)
- Cuba
- Lebanon
- Libya
- Mali
- Myanmar
- Nicaragua
- Russia
- Syria
- Somalia
- Sudan
- Ukraine
- Central African Republic
- South Sudan
For this reason, these countries are not in the "Country" list in the cardholder details. Enter the country where you live. If a purchase is declined because of the merchant's country, the card history will show the decline reason "Payment in this country is unavailable".
Merchant categories
Some types of payments do not go through with a virtual card. The most common ones are:
- money transfers to individuals, top-ups of other wallets and cards;
- purchases of cryptocurrency and other assets that can be instantly converted into cash;
- gambling, betting, and lotteries;
- payment at the pump at unattended gas stations;
- dating services.
If a category is unavailable, the card history will show the decline reason "Payment in this category is unavailable". This restriction cannot be bypassed — choose a different payment method.
Other decline reasons
You can see the decline reason in the card history: open the declined transaction and look at the "Decline reason" line. You will also get a "Purchase declined" notification.
| Reason | What it means | What to do |
|---|---|---|
| "Insufficient funds" | There is not enough money on the card to cover the purchase fee, or the spending limit has been exceeded | Top up the card or wait for the limit to reset |
| "3-D Secure verification failed" | The code was not entered, was entered incorrectly, or the request was declined | Repeat the payment and enter a fresh code |
| "Card is frozen or blocked" | The card was frozen by you or has been blocked | Unfreeze the card or contact support |
| "Payment in this country is unavailable" | The merchant is located in a country from the list above | Use a different payment method |
| "Payment in this category is unavailable" | The merchant category is restricted | Use a different payment method |
Card limits
The card has spending limits: $5,000 per transaction, $20,000 per day, and $100,000 per month. If a purchase exceeds them, it will be declined. For all terms, see the article Fees and terms.
What to do if a payment fails
- Check the card balance: it must cover the purchase and the fee.
- Look at the decline reason in the card history.
- If the merchant asks for a 3-D Secure code, check where the codes are sent: "Profile" → "3-D Secure codes".
- If the card is frozen, tap "Unfreeze" on its page.
- Try a different payment method at the merchant: for example, Apple Pay or Google Pay instead of entering card details.
- If nothing helps, contact support: include the time, amount, and merchant name, and attach a screenshot of the error.