Credit Card declined

[thayeb]

I have been having this issue for the passed 2 days. I cant purchase anything from Steam. I get this message:

"Your purchase has not been completed. Your credit card information has been declined by your credit card company.

Note that in some cases, your credit card company may put a 'hold' on funds in your account, but you will not be charged. After correcting any errors in the information displayed below, please try your purchase again."

I have contacted my bank and nothing is showing on their side and nothing has been restricted on my account. I contacted Steam support and they tell me to contact my bank, which I already did.
my brother have the same issue as well with another card and another account.

any suggestions?

[nullable]

You probably need to get beyond tier 0 support at the bank. This is an issue we see here and it's bank issues. This is really simple after all. Steam requests the funds from the bank authorized by you. Steam either gets a yay or nay response. There's nothing Steam can do if the bank returns a nay response but inform you that your bank has declined the transaction.

In which case you need to deal with the bank.

[thayeb]

引用自 Brockenstein：

You probably need to get beyond tier 0 support at the bank. This is an issue we see here and it's bank issues. This is really simple after all. Steam requests the funds from the bank authorized by you. Steam either gets a yay or nay response. There's nothing Steam can do if the bank returns a nay response but inform you that your bank has declined the transaction.

In which case you need to deal with the bank.

Thanks for replying dude,

I have contacted my bank and nothing is showing on their side and nothing has been restricted on my account.

the bank says that the error showing to them "No web secure was found", then they told that the bank from visa company require web secure confirmation before the final payment done. They said after the purchase I should have been redirected into the websecure site. So I believe that is some thing steam has to configure.

[nullable]

My card is a VISA and has been for years and I haven't had to jump through that hoop you describe. But I've only used a handful of cards in the U.S. over the last fifteen years. I remember having to do something similar on Newegg years back the way you describe it, but never on Steam. I would argue though after 16 years and billions of transactions, Steam has CC's figured out and configured how they want. If your bank has wonky requirements, that's still going to be on them methinks. But maybe there's a better consensus if other folks have cards with multi-step checkouts involving external sites that they can confirm.

I guess my question is how is that additional websecure stuff managed when you go to the grocery store, gas station or restaurant? The bank may think Steam needs to jump through that hoop, or has arbitrarily applied that requirement. It still may not be something for Steam to fix, as it wasn't their doing and they have no control over it. But you, the bank's customer, is being negatively impacted. That may be something for them to sort out.

[J4MESOX4D]

Make sure all your details are 100% correct.

[thayeb]

引用自 Brockenstein：

My card is a VISA and has been for years and I haven't had to jump through that hoop you describe. But I've only used a handful of cards in the U.S. over the last fifteen years. I remember having to do something similar on Newegg years back the way you describe it, but never on Steam. I would argue though after 16 years and billions of transactions, Steam has CC's figured out and configured how they want. If your bank has wonky requirements, that's still going to be on them methinks. But maybe there's a better consensus if other folks have cards with multi-step checkouts involving external sites that they can confirm.

I guess my question is how is that additional websecure stuff managed when you go to the grocery store, gas station or restaurant? The bank may think Steam needs to jump through that hoop, or has arbitrarily applied that requirement. It still may not be something for Steam to fix, as it wasn't their doing and they have no control over it. But you, the bank's customer, is being negatively impacted. That may be something for them to sort out.

Thanks my dear for your support, it is clear now, I have contacted the bank management and it appears that STEAM is on the black list of my Bank :S
they claim that there are several unknown transactions from STEAM and they stopped all transactions with STEAM.

Thanks again.

[Dr.Shadowds 🐉]

When using credit card ensure you put in the exact details that display on your credit card account.

Or you can use a bank transfer such as PayPal, or etc see if you can link your card, if able to then you can use to pay on Steam with the bank transfer instead, and shouldn't have an issue.

[Zekiran]

引用自 thayeb：

Thanks my dear for your support, it is clear now, I have contacted the bank management and it appears that STEAM is on the black list of my Bank :S
they claim that there are several unknown transactions from STEAM and they stopped all transactions with STEAM.

Thanks again.

..... A bank that literally does not want a business ... doing... business... with their customers.

Find a new bank, man. That is bad news.

[voidCaster]

引用自 Zekiran：

引用自 thayeb：

Thanks my dear for your support, it is clear now, I have contacted the bank management and it appears that STEAM is on the black list of my Bank :S
they claim that there are several unknown transactions from STEAM and they stopped all transactions with STEAM.

Thanks again.

..... A bank that literally does not want a business ... doing... business... with their customers.

Find a new bank, man. That is bad news.

This really isn't at all uncommon. When I go on a spending spree with Google Play or Google TV/Movies or, yes, Steam, my nationwide/50+ year old banking institution always freezes additional payments until I call in to tell them: "Yes, I authorized that." I pretty rarely resist the urge to snark: "Are you not able to see that I spend ridiculous amounts of money with these exact companies every month?" The answer is invariably what OP got - something about a rash of unauthorized transactions resulting in customer-requested chargebacks leading to an automatic block on new transactions for everybody who uses the bank.

It's legit business in 2019, with the stigma of identity theft and protection against it.

[couch_potato]

what if your using a visa gift card? i used all the correct digits and letters and i triple checked but it still says that it dosent work

[cinedine]

引用自 couch_potato：

what if your using a visa gift card? i used all the correct digits and letters and i triple checked but it still says that it dosent work

Make sure you have enough money on the card to also cover the fees and the additional verification charge. A $50 card won't be enough to pay for a $49.99 game (even ignoring taxes).

[V0lcanF1re]

引用自 thayeb：

Thanks my dear for your support, it is clear now, I have contacted the bank management and it appears that STEAM is on the black list of my Bank :S
they claim that there are several unknown transactions from STEAM and they stopped all transactions with STEAM.

Thanks again.

Does this issue fixed at the end?
Had to tell your bank to not black list steam?
or there other solution?

Thanks for help, same issue.

[thayeb]

引用自 V0lcanF1re：

引用自 thayeb：

Thanks my dear for your support, it is clear now, I have contacted the bank management and it appears that STEAM is on the black list of my Bank :S
they claim that there are several unknown transactions from STEAM and they stopped all transactions with STEAM.

Thanks again.

Does this issue fixed at the end?
Had to tell your bank to not black list steam?
or there other solution?

Thanks for help, same issue.

Yes, I contacted the bank and the claim that Steam is stealing your money and we are protecting you, at the end last month they remove Steam from the black list and I managed to use my card again.

thanks and regards,

[Dr.Shadowds 🐉]

引用自 thayeb：

引用自 V0lcanF1re：

Does this issue fixed at the end?
Had to tell your bank to not black list steam?
or there other solution?

Thanks for help, same issue.

Yes, I contacted the bank and the claim that Steam is stealing your money and we are protecting you, at the end last month they remove Steam from the black list and I managed to use my card again.

thanks and regards,

Yup, classic story from those compaines, most likely due to someone file a fraud protection agasint Steam, and try to convince them that Steam was a scam service, or they're just jerks causing problems for no reason.

[steelmidnight]

I am having the exact same issue, with the SAME CARD I have used with Steam for 8 years now....Its very aggrivating! And same story- Bank says no issues, steam says talk to the bank. WTH! There is MORE then enough in funds! This all started after steam had tech issues about 4 months ago or so (I dont remember exactly when, it was was still an issue last time I tried when Total War Warhammer 3 was announced and then just now, as I hoped it was just a technical screw up that would fix with time..Thats ridiculous, steam.

Going to call again, and have them make sure thier is no block or hold, but I dont know why thier would be, because no one else uses this card but me.

[Dr.Shadowds 🐉]

引用自 steelmidnight：

I am having the exact same issue, with the SAME CARD I have used with Steam for 8 years now....Its very aggrivating! And same story- Bank says no issues, steam says talk to the bank. WTH! There is MORE then enough in funds! This all started after steam had tech issues about 4 months ago or so (I dont remember exactly when, it was right when TWW3 was announced and I tried to pre-order, which I ended up pre ordering the key elsewhere....Thats ridiculous, steam.

If you link your card via paypal, and then paid by paypal, the bank magically see no problem sending the money, but if you directly try to send it to Steam, it's a problem, and makes no sense really, I been using my credit card with no problems for years with Steam, but there one two gift card I have problems which are Vanilla gift card via visa and master card as for whatever reason they gave me issues, so I did work around, and problem solved.