Why has my transaction declined?

There are several reasons why your transaction may have declined, these include:  

• You may not have enough money in your Spend Smarter account
• You have entered the incorrect details (PIN, CVV, Expiry date)  
• Your card is blocked because the PIN has been entered incorrectly three times. If this is the case, please send an email to [e-mail], and we can unblock it for you
• Your card is frozen
• Your card has expired
• Your card is damaged
• The merchant does not accept Mastercard payments