Why can't i purchase on-line with my debit card?

Answer 1

It could be several things: Some banks will not authorize transactions from certain types of Internet sites, for example, gambling.... Also if the site does not have a system that makes sure all transactions have a certain amount of encryption, most sites have Vericheck?? (I think that's what its called). As someone mentioned earlier only debit cards (not check cards) can be used online - they are issued with VISA or MasterCard. if non of the above seems to be the problem for you give your bank a call I am sure they can answer your questions and offer solutions....

Answer 2

If you've moved recently the bank may have your old address listed. For fraud prevention some companies such as Dell may require that your billing address on the card and the address that the item is shipped to match perfectly. Most companies who do business online have a number you can call to order over the phone.

You can sometimes tell the difference between a credit card and a debit card in that some banks put restrictions on how much you can spend via online aka mail order merchants or on how much you can spend per day. When we process a card where i work we have to ask credit or debit so we can set the system to bypass those restrictions and if it is a debit card we ask if the bank offers a full day window for the full amount. We find however that for what we sell people are using credit cards less and less and prefering to finance direct. Show me a person who refers to a credit card as cash and i'll show you someone who is financially irresponsible.

I know Cingular will not allow people in certain zip codes to order over the phone or online due to high fraud in those areas particullarly if you live in some areas of Chicago or Jamacia NY.

It depends on the companies and their practices and their contracts with the credit card companies your best bet is to ask the company directly and they usually will tell you.

Answer 3

If you card has a Visa or MasterCard logo, the site CAN'T tell the difference between a credit card and a debit card. Visa and MasterCard both require banks to offer the same protections for debit cards used as credit cards that they do for credit cards. Assuming you are entering the information properly, the only thing that should cause a problem is if your bank rejects the charge.

Answer 4

as far as i know, if your debit card was issued by a bank or credit union and has sufficient funds in the account at the time of the purchase, the transaction should go through. EXTREME care should be taken though, because once the company/individual has your debit card # it may be charged for further unauthorized charges if you are not happy with the original transaction this is hard to stop without issuance of another card

Answer 5

One additional advice. Did you active your debit card? Myself. I got to take it to the my bank ATM (located at a branch) and check my balance or do an ATM withdraw. Then wait 2 to 3 business days before I can use it online or by phone.

Answer 6

Your debit card should have a Visa or MasterCard logo to be able to use it online. If it does and you still can't use it, it is probably the site you are using. I have never had a problem using mine online.

Answer 7

Because sites aren't linked up to your bank.

Answer 8

if there is no money left in the account it won't work