When it comes to using a debit card, there is nothing worse than finding out a transaction has not been accepted.
In these situations the worst-case scenarios tend to play out in our minds: thoughts of no money in your account, debit card fraud or something worse could be the first thing you think of.
Then there is the embarrassment if you are holding up a queue of shoppers while you try to figure out what went wrong.
Luckily there are a few things you can do to resolve the problem without losing your cool.
Check Your PIN
Whether you have just got a new PIN or used the same one for years, it doesn’t take much to accidentally enter the numbers wrong.
Some of the keypads that come with different EFTPOS terminals are unstable or incredibly resistant to typing, which means some of the numbers may not be registered if you have a lighter touch.
Check The EFTPOS Receipt
In some cases it is a machine or processing error that leads to declined transactions.
When this happens, the machine should print out a receipt saying that the transaction was not processed and citing a reason.
Either you or the cashier should be able to figure out whether the error is technical or on your end and figure out a solution from there.
Try The Same Card Again
If you are certain you have entered the right PIN and have enough funds in the account then you can simply try again.
Often that will be enough for processing to go through smoothly, leaving the stress of a faulty card behind.
Switch To Another Payment
When all else fails you may want to try another card or pay for purchases with cash.
But after getting through the transaction it is a good idea to contact your bank so that you can come up with an explanation for the problem.
While dealing with a declined debit card is never enjoyable, with a few of these tactics in mind you should be able to stay calm and solve the problem as quickly as possible.