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Credit/Debit card Issues

Started by: bertiebat
On: 01/04/2012 | 19:07
Replies: 261

by: bertiebat
on: 01/04/2012 | 19:07 edited: 30/04/2014 | 13:14

Debit/Credit card payment problems can be caused by the following issues.

  • Common errors -Typos in your information - card number(omit spaces), card expiry date, incorrect card type selected, title of person not entered with name.
  • Incorrect address under card details, as registered with your bank. (omit any punctuation).
  • Insufficient funds in the account.
  • Punctuation characters used in the verification password (solution change the password to just contain letters and numbers only).
  • Non UK registered bank card used.
  • The paying bank rejecting due to their own security checks.  Please check with the bank first if you can see no other reasons for the payment to be declined on this list.
  • Attempting multiple topups in a short period on one account (do check that the payment hasn't already gone through if you had problems by checking your payments history here ).
  • Card used on multiple mobile accounts (this can include 02 contracts/PAYG or Tesco mobile)


Possible Solutions


Still no luck then If you have previously stored your card details ( then delete, reinput and try again as this has been known to cure some problems (especially with the 3 digit security code/CVV). You can also do this by clicking 'use a different card' and re-entering the card details (even if you want to pay with the same card) during the check out process.


Error "We haven't been able to process your payment due to an issue with your giffgaff account. Please contact a giffgaff agent." then try this:


  1. Delete your card if you have already set it within here
  2. Within here Click change address,input your postcode in and click find address. 
  3. Choose your address in the drop down list and click save address. 
  4. Go back to save your card again and hopefully it will now save successfully.  (Thanks to sloz for finding this). 

If still unsuccessful or you have multiple accounts then raise a case with the agents giving the following information so the team can look into your case as quickly as possible.


--> The last 4 digits of the card you are trying to use.

--> A description of what you have been trying to do or have experienced, along with any error messaging.

--> If multiple accounts are being used, the usernames, numbers of the giffgaff accounts you are trying to top up using this card. If you have other 02 or Tesco mobile accounts include this information.

--> The postcode that the card you are trying to use is registered to.


Meanwhile you can top up your account by buying a voucher (giffgaff or O2 will also work) and redeeming it (   You can then buy a goodybag/gigabag if required from the redeemed credit Buying goodybag/gigabag from credit


Note: turn off your data on the phone until you have a live goodybag/gigabag to avoid losing credit due to PAYG data usage.

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Message 1 of 262
by: bonusball
on: 01/04/2012 | 19:26

Great post Beriebat, with all the card issues this is good advice to any user in the forum new and old.


Kudos to you.

Message 2 of 262
by: bertiebat
on: 01/04/2012 | 19:32

Cheers bonusball as I've spent some time analysing the various problems and possible solutions on this.  


Hopefully we can now get some people up and running sooner and if not then they know what to do. Smiley Happy

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Message 3 of 262
by: bonusball
on: 01/04/2012 | 19:38
Will post this about if that's ok with you.

Message 4 of 262
by: bertiebat
on: 01/04/2012 | 19:42 edited: 02/04/2012 | 17:59

bonusball wrote:
Will post this about if that's ok with you.

Yes of course it is and I hope others do too (though it's polite to give the thread a kudos when this is done Smiley Wink not cool not to)

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Message 5 of 262
by: bonusball
on: 01/04/2012 | 19:43

bertiebat wrote:

bonusball wrote:
Will post this about if that's ok with you.

Yes of course it is and I hope others do too Smiley Happy

Thank you Smiley Wink

Message 6 of 262
by: sloz
on: 01/04/2012 | 20:11
All good sensible stuff. Well done Bertie
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Message 7 of 262
by: philiplittle40
on: 01/04/2012 | 20:37
Wise words as ever Smiley Happy
Message 8 of 262
by: jokeyboi77
on: 01/04/2012 | 22:03 edited: 10/06/2012 | 20:52
thanks bertiebat this is great advise mate if you don't mind i'll bookmark it and pass it around aswell because this does happen alot and you covered all possiblities with the card system in this post mate well done
Message 9 of 262
by: sirlionel
on: 16/04/2012 | 17:47

It is worth noting that if your card expires at the end of the month that no error message seems to be displayed on the Verifed By Visa page, the form simply submits without doing anything. Very confusing! When I added my new card in the top up screen all then worked fine.

Message 10 of 262