Monzo.me "Your card was declined" message

Help
1

Hey all.

My husband has managed to pay me via Monzo.me loads of times before and never had a problem.

However, over the past couple of days he gets a “Your card has been declined” message whenever he tries to pay me. He has tried both his Lloyds account and Barclays account, both of which are Visa Debit to no avail. He has enough money in his account. We also got a friend to try with her Halifax and it’s the same. It doesn’t even get to the Visa secure screen etc. The page just acts like it’s going through and then after a second they get the message.

It’s not over the daily limit. It’s only for like £5.

Is anyone else having this problem please? I know they could just bank transfer it to me but I find Monzo.me an easier way to keep track of payments sometimes.

They’ve also tried clicking the link I send them and also inputting my username manually to no avail.

I’ve got in touch with support, but I’m wondering if there’s some sort of block on my account which has stopped Monzo.me payments? It was fine up until 2 days ago. :confused:

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2

Could be the 30-day limit:

In a 30-day rolling period, you can’t receive more than £1,000 through Monzo.me or send more than £500 from a single debit card.

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3

Even if nothing has changed on his end, check that the name and address are exactly how it is on his account/card.

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4

Definitely name/address v important.
And I tried it a few occasions with a credit card before I found out that it does only work with debit cards. Support was helpful finding out.

5

I am having this issue for the last few days, i am well within my limits.

I have escalated to Monzo support but it has been 3 days now and still waiting for an expert to contact me

6

Just a waiting game I’m afraid.

7

It’s likely the sender’s bank blocking it. Not all banks or account types like their customers using these services.

8

We have tried from 7 or 8 different accounts and different people even people that were able to use it at the beginning of last week now get a card declined error

10

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11

Long shot… but do you have Settings → Privacy and security → Profile privacy → QR code or payment link = OFF ?

If you do, toggle it to ON and try again

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12

Thanks for the reply… I have checked this and all seems ok from a privacy end

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13

Toggled on and off let me try again

14

Still the same error…

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15

How much have you received over the last 30 days?

I think If it’s anything like cash withdrawals, it’s 30 days from the event, not 30 days whole period.

Say you get £200 on the 3rd, that £200 renews 30 days later.

Leaving you £300 for 30 days.

You then get £100 on 7th, which then renews 30 days later.

That leaves you with £200 for 26 days and so on.

Have you tried a much smaller amount?

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16

Hi, the figures range from £1 to £50 and they are all declined, I checked my limits and none of them have been meet, I am at a loss to understand what is going wrong for it all of a sudden to stop working.

Still waiting for Monzo support to come back to me

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17

I wonder if this is linked to the ‘small payment from unknown party via monzo.me suddenly ends in account closure’ back-end filtering?

That situation forced me to turn the 'QR code or payment link ’ OFF

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18

There’s definitely unadvertised limits such as max £500 from a single card in a month, I would guess you’re hitting some kind of limit on number of transactions to stop people using it for commercial purposes, the £500 goes 1st -1st not rolling month, maybe this too.