Visa Debit can't make online purchases

musiknonstop

Hi, I've tried using my Visa Debit card twice today for online purchases. Both times it was declined. Does the card need to be activated in order to use online? It works fine in ATMs/contactless etc.

Bank of Ireland: Kareana

Hi musiknonstop,

Thanks for your post here on Boards.

We are sorry to hear this.

If it is a new card you would need to activate the card at a BOI ATM before you can use it online.

Would the funds be cleared on your account as in have you lodged a cheque recently as cheques can take 3-5 working days to clear.

Please let me know if there is anything else we can help you with.  

Thanks,

Kareana

musiknonstop

Bank of Ireland: Kareana wrote: »

Hi musiknonstop,

Thanks for your post here on Boards.

We are sorry to hear this.

If it is a new card you would need to activate the card at a BOI ATM before you can use it online.

Would the funds be cleared on your account as in have you lodged a cheque recently as cheques can take 3-5 working days to clear.

Please let me know if there is anything else we can help you with.  

Thanks,

Kareana

Hi,

There are funds in the account. I just tried to make a payment of €5 to Leap Card and again the transaction was declined. 

Bank of Ireland: Kareana

Hi musiknonstop,

Have you ever made a online transaction before with the card?

Have you activated the card at a BOI ATM?

Have you checked the 365 online to ensure the transactions haven't came out as it maybe a issue with the website.

Thanks,

Kareana

musiknonstop

Bank of Ireland: Kareana wrote: »

Hi musiknonstop,

Have you ever made a online transaction before with the card?

Have you activated the card at a BOI ATM?

Have you checked the 365 online to ensure the transactions haven't came out as it maybe a issue with the website.

Thanks,

Kareana

Hi Kareana, 
Thanks for your help. I generally make online purchases with a credit card, but as I'm paying fees for the debit card, I'd like the facility to be available there too.
I've tried 3 different sites to make purchases today, (revolut, An Post and Leap) all declined. The card was activated at an atm when I first received it.

Bank of Ireland: Kareana

Hi musiknonstop,

Can you confirm are you seeing anything about the 1 time passcode required to complete the purchase?

Can you tell me how you activated the card as in did you withdrawal funds? 

If this still continues you will need to submit your query through the Online Service Desk when you are logged in online and an advisor with account access will be happy to help you.   

Thanks,

Kareana

Ally Dick

Give them a ring. They may have flagged your card for a fraud through no fault of your own 

musiknonstop

Ally Dick wrote: »

Give them a ring. They may have flagged your card for a fraud through no fault of your own 

Thanks Ally Dick, Kareana, I'll call them up. Looks like it could be something to do with recent changes to 3D Secure. 

Agent Coulson

This happened me two/three weeks ago and I rang and was told my card wasn't flagged buy any of the fraud checks and couldn't understand why it was happening and blamed multiple websites for the issue not the card.


They ended up sending me a new card which now works fine.