How to Fix Crypto.com Card Not Working ‘Declined by Issuer’ Error?

Facing the “Declined by Issuer” error and your Crypto.com card not working can be frustrating, but there are steps you can take to resolve it. Start by ensuring your internet connection is stable and verify that your card details are accurate and up-to-date. Check if your card is valid, not expired, and has sufficient funds. Transaction limits or restrictions imposed by the issuer could also be causing the issue. 

If you’ve checked all these boxes and the problem persists, it’s time to take a closer look. Let’s explore how you can troubleshoot and fix this common, albeit annoying error.

Check your internet connection

To resolve the “Declined by Issuer” error on your Crypto.com card, first make sure your internet connection is stable and strong. A poor internet connection can lead to transaction failures, including the Crypto.com Declined by Issuer error.

Check if your device is connected to a reliable Wi-Fi network or has a stable mobile data connection. If your Crypto.com payment failed, you’d be surprised by how simple a solution might be.

If you’re experiencing connectivity issues, try restarting your device or switching between Wi-Fi and mobile data. Also, check for any outages or disruptions in your internet service that could be affecting your ability to access the Crypto.com platform.

If problems persist, consider troubleshooting your network settings or contacting your internet service provider for assistance.

Once you’ve confirmed your internet connection is secure, you can proceed to check other potential causes of the error, such as incorrect card details or merchant restrictions.

Verify card details

Verify that the card being used is still valid and hasn’t expired. If the card is no longer active, transactions will be declined.

Make sure that your card is registered with the correct billing address, as discrepancies can lead to transaction declines by the issuer.

Lastly, check if there are any restrictions set by the card issuer for the specific type of transaction or merchant category being used, which could lead to declines.

Resolve card limit issues

Card limit issues can often cause declined transactions on your Crypto.com card. To resolve this, ensure that your transaction amount does not exceed the card’s balance limit. If necessary, you can request a limit increase through the app for approval by an admin.

Regular monitoring and management of your remaining balance should be conducted. Transactions may be declined if the total exceeds this limit, which can prompt a need for manual payments to clear outstanding balances.

If you encounter a decline due to a card limit issue, check your transaction history and the activity feed for any notifications or alerts indicating that you have exceeded your limit.

Crypto.com’s help center will help you resolve the most common issues

If this is the case, contact Crypto.com’s support for assistance in adjusting your limit or providing additional verification to ensure your rightful transactions are processed. They can help resolve any merchant restrictions or miscategorization that could lead to declined transactions.

Fix suspected fraud flags

When dealing with suspected fraud flags on your Crypto.com card, immediate action is necessary. If your card is declined due to these flags, then verify any alerts or restrictions placed on your account. If your Crypto.com debit card declined a transaction, it may be blocked due to unusual spending patterns or locations that don’t match your typical behavior.

Here’s a step-by-step guide to resolving suspected fraud flags:

1. Contact Support: Reach out to Crypto.com to confirm if there are any alerts or restrictions on your account. Clarify that the transaction is legitimate to have the flags lifted.
2. Update Bank Information: Make sure your bank and card information within the Crypto.com app is up-to-date to prevent mismatches that could lead to declined transactions.
3. Keep Transactions Typical: Maintain (relatively) consistent spending patterns to avoid triggering fraud prevention measures. High-value purchases without prior notification can often result in declined transactions.

Update Card Information

Confirm that the billing address associated with your Crypto.com account matches the address on file with your card issuer. Discrepancies can lead to transaction failures.

Regularly monitor your card’s expiration date and make necessary updates on your Crypto.com account before the card expires to enjoy uninterrupted service.

If you’re experiencing continued declines after updating your card information, contact the card issuer to confirm that there are no restrictions or issues on their end.

Contact Crypto.com support

Crypto.com is not letting me buy anything, and I tried all of the above

If you find yourself in this situation, you may need to get direct assistance from their support team to resolve the issue. If you’ve already checked your internet connection, card details, card limits, fraud flags, and transaction history without finding the cause, you shouldn’t hesitate to reach out to them for help.

Crypto.com provides direct customer support with fast response times

To contact Crypto.com support effectively:

1. Use In-App Chat: Open the Crypto.com app and go to the support section to start a chat. This gives immediate assistance and allows for quick exchange of information.
2. Dedicated Hotline Numbers: Look for region-specific hotline numbers on the Crypto.com website to call directly for assistance. This method can provide more detailed and immediate support.
3. Provide Detailed Descriptions: When contacting support, include all relevant details such as transaction attempts, error messages, and any steps you’ve already taken to resolve the issue. This helps the support team understand and address the problem more efficiently.
4. Follow-Up: If the initial contact doesn’t resolve the issue, follow up with the support team. Persistent problems may require a deeper investigation into your account status and transaction history.

The bottom line

To resolve the “Declined by Issuer” error on Crypto.com, verify that your card details are accurate and that the card has sufficient funds and no restrictions. Check for fraud alerts with your bank and ensure your billing address is correct in the Crypto.com app. Ensure that your internet connection is stable and retry the transaction after addressing any potential issues. If the problem persists, update your card information and contact Crypto.com support for further assistance.

If your issues take too long to resolve, you can consider alternative options, like buying Bitcoin with Apple Pay. Alternatively, you can even buy Bitcoin with a Visa gift card.