While the vast majority of your Fijoya purchases will go without a hitch, sometimes you'll get that frustrating message: "payment failed."
There are multiple reasons why a Fijoya card transaction might not go through. Let's go through several common reasons and explain what steps you can take to get that transaction to succeed.
The product/service price exceeds your remaining budget
If you have insufficient funds in your Fijoya allowance, your payment with a Fijoya card will be declined.
Before attempting to pay for a product or service, check that you have sufficient funds to cover it. You can see your remaining monthly allowance at the top of the Fijoya App Home Screen.
You used the Fijoya card with the wrong vendor
A Fijoya card is issued for a specific vendor and can be used to pay for services offered by that vendor only. For example, a Fijoya card issued for Headspace may NOT be used for paying for services offered by Calm.
To check if this was the cause of the failed transaction, open the Fijoya App and find the product or service you want. Tap the "Pay with Fijoya card" button to issue your Fijoya card. Go through the entire vendor payment process within the Fijoya App (your card details will always be on the bottom of the screen, available by swiping up) to ensure that you are using the correct card with the correct vendor.
You tried to use the Fijoya card to pay outside the Fijoya App
Fijoya cards are configured to be used as part of a payment process initiated within the Fijoya App. Attempting to use the card to pay for products and services outside the Fijoya App (even if those products and services are covered by Fijoya!) may result in declined transactions.
To check if this was the cause of the failed transaction, open the Fijoya App and find the product or service you want. Tap the "Pay with Fijoya card" button to issue your Fijoya card. Go through the entire vendor payment process within the Fijoya App (your card details will always be on the bottom of the screen, available by swiping up). Do not go to the vendor's site on an external browser and try to use the Fijoya card.
Your Fijoya card was expired
Fijoya cards, like all credit cards, have an expiration date that is noted on the card. Trying to use the card details to pay after the expiration date will result in a declined transaction. Additionally, for security reasons, Fijoya cards that were issued but not used for an extended period of time may be rendered inactive, requiring you to re-issue the card.
If you suspect that an inactive or expired card was the cause of the failed transaction, return to the vendor page and issue a new Fijoya card by tapping the “Pay with Fijoya card” button.
You accidentally put in the wrong details on checkout
Failure to properly insert card details on checkout (name, card number, expiration date, or CVC) is a common reason for a transaction to fail.
To remedy this problem, use the copy icon next to each of the details on your Fijoya card to make sure you transfer them accurately to the relevant field on your checkout screen.
The vendor had technical issues or suspected fraud
Sometimes the product or service vendor may decline a transaction due to technical issues or security reasons (e.g. suspected fraud or abuse).
If you have gone through all of the above steps (e.g. re-issuing the card, using the copy icons to make sure card details are transferred accurately, etc.) and your transaction is still failing, start a chat with our support team or contact us at [email protected]. We’re here to help.
If your transaction looks like it went through, but it does not appear in your Expenses tab, read:
👉🏽Transaction not showing in the Expenses tab