There are several reasons why your CoinZoom Visa Crypto Debit Card transaction may be declined. If you are trying to make a debit card deposit and are declined, see the separate article on debit card deposit issues.


Spend Wallet Configuration

Your CoinZoom Visa Card can spend from any supported currency in your account, but only one currency per transaction. If your Spend Wallet is set to a different currency than the one you are trying to use, the transaction will be declined.

  • If you have a USD balance but want to use BTC, you must change your Spend Wallet to BTC before making the purchase.

  • Even if you have multiple coins (for example, $50 in BTC and $50 in LTC), the card cannot combine them in one transaction. You must spend from one coin at a time.


See the Spend Wallet Configuration article for detailed instructions.


Funds on Hold

Funds that are on hold cannot be spent until the hold period expires. This is common when depositing funds and trying to spend immediately.

  • Check the Deposits on Hold card in your account to see the amount, hold expiration date, and when funds become available.

  • If you attempt to spend more than your available (not on hold) balance, the transaction will be rejected.


For details on checking holds, see the Check Withdrawal Restrictions article. Hold times for debit card deposits are explained in the Hold Times for Debit Card article.


Fees

Transaction fees must be considered when making purchases or ATM withdrawals. ATM fees, in particular, can cause transactions to be declined if you attempt to withdraw your full available balance without accounting for the fee.


See the CoinZoom Fees page for all current rates.


Pre-Authorized Charges

Some merchants place a temporary hold (pre-authorization) when the final purchase amount is not known at the time of payment.


Examples include:

  • Hotels (to cover room rate and potential extras)

  • Gas stations (to cover estimated fill-up cost)


Pre-authorization holds can temporarily reduce your available balance and may result in declined transactions until the hold expires or you add more funds.


KYC Restrictions

If you make changes to your account profile (such as address or phone number), your account will be restricted for 48 hours while your KYC is revalidated. During this period, funds cannot be moved or spent.


Once the restriction is lifted, transactions can be processed normally. See the How to Check KYC Status article for details.