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USslugga

Why is my thai card getting declined for an online purchase??

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I have an account with Krungthai and have used my Krungthai Shop Smart card to make online purchases in the past (2 weeks ago it worked), but now when I try it it says my card was declined.  What gives?  Why did it work 2 weeks ago on lazada but now on a different site it gets declined?  Does it matter if the online retailer is based in Thailand or not?

 

Any ideas on how to fix this, fellas?

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And if nobody knows how to fix this, maybe I can try to transfer money from my Krungthai account to paypal.  Not sure how to do it though.  On the phone app under payments and transfers, there is no paypal option.

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Posted (edited)

Call your bank and ask them why it was declined.  

 

At the start of the Covid restrictions here I had the same problem with my KTB card on an account that I used only for online purchases.   The first question KTB asked me was whether I was out of the country on a certain date in February (I wasn't) and they told me that the card had been cancelled as they had connected my card number with an attempted fraud.   I had to get a new card and all was back to normal.

Edited by Bob A Kneale
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18 minutes ago, USslugga said:

And if nobody knows how to fix this, maybe I can try to transfer money from my Krungthai account to paypal.  Not sure how to do it though.  On the phone app under payments and transfers, there is no paypal option.

Only a guess if you have been buying stuff paying baht if the item you buy only deals $.. £,, € .. it won't be accepted. 

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1 hour ago, USslugga said:

maybe I can try to transfer money from my Krungthai account to paypal.

If you have a Thailand-based paypal account you should be able to register your Krungthai debit card (or the Krungthai account) to use for funding purchases.

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Posted (edited)
19 minutes ago, RichCor said:

If you have a Thailand-based paypal account you should be able to register your Krungthai debit card (or the Krungthai account) to use for funding purchases.

yep, not wrong and if KTB doesn'T want to help you with online purchases out of Thailand this might be one of  the only ways.

 

my Kasikorn Bank visa debit card seems to be declined with everything that isn't charging THB as well, no clue if its something the bank can sort out but it's annoying

 

edit: there is also that issue with UnionPay cards bs that doesn't work half the time

Edited by kekalot
words
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Posted (edited)

Had similar problems with my BKK Bank debit card. 

Couldn't pay my True vision bill over the internet ( card not valid etc. ) 

Last week it worked , but I couldn't use it to pay TOT  ( card not valid etc. ) 

Works on Lazada and E bay all the time.

I don't know if it is because Mastercard is not as secure as Visa , who knows.

Edited by NE1
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1 hour ago, Bob A Kneale said:

The first question KTB asked me was whether I was out of the country on a certain date in February (I wasn't) and they told me that the card had been cancelled

Good security but my first thought was why hadn't they let you know?

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18 hours ago, topt said:
20 hours ago, Bob A Kneale said:

The first question KTB asked me was whether I was out of the country on a certain date in February (I wasn't) and they told me that the card had been cancelled

Good security but my first thought was why hadn't they let you know?

The bank couldn't answer that either but as I had not suffered any loss it didn't matter.

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On 5/30/2020 at 6:07 PM, RichCor said:

 

I was chuckling slightly when I ran across this sight at my local MegaHome. So much for using a single terminal and card processing agent. 🧐

 

275716625_MegaHomeCardProcessingStation.jpg.72c05dacc68e1b64faf59cd8c329a74d.jpg
 

My guess would be that different banks might charge the vendor different rates on different cards. So if the customer pays with x bank's issued card the shop will use the machine of bank x for a lower fee 

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It happen to me Last week  as I tried to pay with my international Visa credit card, I selected to use Kbank for authorization site, when I went to pay for it and putting my info in, it took me to Kbank Visa authorization site and it got declined with 2 different credit cards. I went back merchant website and then chosed UOB bank for authorization and that worked.
Since this has happened to me before, there was something wrong on Kban Visa authorization website.

 

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Posted (edited)

I always use my Thai PayPal account linked to my kbank virtual credit card for overseas purchases. That limits the number of places that know the cc details to ONE (PayPal). 

 

For in country purchases/bills I use kbank app. 

 

Never had a problem. 

Edited by Keesters
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