账户里有钱，银行却拒绝了付款
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| Payment method type | What to consider |
|---|---|
优点
缺点
| Point in the chain | What it decides | What you can do about it |
|---|---|---|
| When you buy | The added risk | What to arrange beforehand |
|---|---|---|
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常见问题
Why did the same card work fine for other online purchases but got declined here+
The bank assesses each transaction's risk separately rather than applying the same criteria to every merchant. A cross-border digital purchase like an eSIM can be read as carrying different risk from a merchant you use regularly, so it gets scrutinised more closely.
The bank confirmed there is nothing wrong, but the transaction still fails, what next+
Leave a short gap and try again — sometimes a temporary lock from the previous attempt has not fully cleared even though the bank says there is no issue. If it still fails after that, try another card or payment method, and contact our team if every option has failed.
The OTP never arrives, or arrives very late, what should I do+
This is directly tied to the issuing bank's own SMS or app delivery system. Contact the bank to check whether the phone number or notification settings on the account are still working normally before attempting the transaction again.
Can a prepaid card be used to pay+
It depends on the specific issuer. Some prepaid cards support cross-border transactions with digital merchants normally, while others carry restrictions the issuer sets on its own. Check directly with the issuer before relying on one.
If there is no backup card, are there other payment methods to choose from+
Whichever payment methods are supported are shown directly on the checkout page at the time of purchase. If every option shown there still fails, contact the team with details of everything already tried so it can be checked.
The message says to contact the bank, but the bank says it sees no transaction at all — is that possible?+
Yes, if the attempt was stopped before it reached the bank — at the checkout page or at the payment provider. In that case the bank has no record to look at. Re-check everything you entered, change browser, switch off any VPN, and try once more. If nothing changes, message us with a screenshot so we can see where it is stalling.
I completed the verification but the page hung and never returned to the shop — what now?+
Do not immediately pay again. Wait a moment and check your email for an order confirmation first, because the payment sometimes succeeds while only the redirect back to the site fails. If no email has arrived after a reasonable wait, then start a new order, and keep the screenshot from the first attempt in case it needs referring to.
Can using a VPN really cause a decline?+
It can, because risk checks look at where the connection appears to come from alongside the card details, and an obvious mismatch is a signal to look harder. The thresholds differ by bank and by payment provider, so it does not happen every time — but switching the VPN off during payment is the easiest variable to eliminate.
If my trip is still some way off, should I buy early just to avoid payment trouble abroad?+
Settling the payment while you are still at home definitely removes the OTP problem, but check when the plan you choose starts counting its validity, since that differs from plan to plan. Read the plan's own details before deciding, or ask us if you are unsure which one suits your dates.
Can a family member's card be used to pay instead?+
Yes, provided the cardholder enters the details and completes the verification themselves. The order attaches to the email used at checkout rather than the name on the card, so use the email of whoever will actually use the plan, to make sure the installation details reach the right handset. Never have one person type another's card number.