Summary
Buying cryptocurrency with Bitcoin.com is generally straightforward, but occasionally, transactions may not go as planned. Whether you're using a debit card, credit card, bank transfer, Apple Pay, or Google Pay, certain issues can arise that prevent your purchase from being completed successfully.
This guide outlines the most common problems you may encounter when buying crypto and offers practical steps to help you resolve them quickly.
📑 Table of Contents
Common Card or Mobile Payment Transaction Failures
1. “Transaction declined by the card issuer” or “Your card has been declined for an unknown reason.”
What happened:
One or more of the following may have occurred:
Your bank’s anti-fraud rules were triggered. (These rules consider various factors and are generally not disclosed.)
There might be a temporary hold on your card.
Your purchase session may have been locked due to multiple declined attempts.
Your card issuer may not support cryptocurrency transactions.
Recommended actions:
Contact your card issuer to approve or whitelist the transaction.
Try using a different card from another bank.
2. “Your transaction has been cancelled because we were unable to accept your transaction.”
What happened:
The payment was declined by the third-party security system.
Recommended actions:
Use Apple Pay, Google Pay, or bank transfer, depending on what’s available in your region.
3. “Unfortunately, your account has been disabled due to non-compliance with our terms and conditions.”
What happened:
Multiple account registrations.
ID does not match the profile (e.g., incorrect date of birth or address).
A transaction was flagged for an unusual amount.
Recommended actions:
Contact us at [email protected], or tap the green chat icon in the bottom-right corner of the screen for further assistance.
4. Insufficient Funds
What happened:
Your card does not have sufficient funds.
Recommended actions:
Maintain a balance of at least 20% more than the transaction amount.
Top up your account.
Try a different card.
5. 3D Secure Authentication
What happened:
There may be an issue with the card issuer’s security system, or you may need to enable additional authentication.
Recommended actions:
Enable payment confirmation via your bank's app or by SMS.
Remove and re-add the card to refresh security settings.
Contact your card issuer to enable 3D Secure.
Use a different card.
6. Invalid Expiration Date or CVV
What happened:
The card has expired.
The expiration date or CVV was entered incorrectly.
Recommended actions:
Double-check the details and retry.
Request a new card if necessary.
7. Other Card-Related Issues
Recommended actions:
Contact your bank and request that they whitelist the merchant.
Try using a card from a different bank.
Consider alternative payment methods such as a bank transfer.
Common Bank Transfer Transaction Failures
1. “Transaction Limit Exceeded: This transaction exceeds your remaining daily limit of $0.00.”
What happened:
You exceeded your daily transaction limit.
Recommended action:
Follow the instructions in the widget to increase your limit.
Step 1: Complete verification (Proof of Income).
Step 2: If a new limit is reached, submit additional documents (e.g., recent tax return, payslip, or bank statement).
2. “Your transaction has been cancelled as we did not receive your bank transfer within seven days.”
What happened:
The funds were not transferred in time.
Recommended action:
Restart the transaction and ensure funds are sent promptly to the provided account.
3. Insufficient Funds
What happened:
Your account did not have enough funds at the time of the transaction.
Recommended action:
Keep a balance of at least 20% more than the purchase amount.
Top up your bank account before retrying.
4. Other Bank-Related Issues
Recommended actions:
Contact your bank to check transfer limits or restrictions.
Reach out to our support team for further assistance.
List of Crypto-Friendly Banks
Some banks are more likely to approve cryptocurrency-related transactions. Here's a list of banks historically considered crypto-friendly: Crypto-friendly bank list
For Declined Transactions
Any pre-authorizations or pending holds on your card will be reversed. This can take up to 10 business days depending on your bank.
Money Left My Bank Account — Where Is My Cryptocurrency?
If you initiated a bank transfer, funds are pulled immediately to lock in the quoted price. These funds must clear before the provider finalizes the crypto delivery.
Bank-to-bank transfers typically take 1–2 business days.
Clearing on the provider’s end may take an additional 2–3 days.
Once cleared, your cryptocurrency will be sent to your Bitcoin.com Wallet at the originally locked price.
You can track your delivery by clicking the link in your confirmation email or in the wallet app inbox.
When Will I Receive My Cryptocurrency from a Card Purchase?
Some payment methods (like credit and debit cards) require authorization through your bank.
After starting a transaction, you may be redirected to your bank’s site for approval (not required for U.S. customers).
Funds will not be debited until authorization is complete.
If the transaction is not authorized, it will automatically expire after about one hour.
Note: This applies to certain users in the US, EU, AU, and CA.
How Long Does It Take to Receive Cryptocurrency After a Card Payment?
Payments are processed immediately.
Crypto is released once anti-fraud and KYC checks are completed.
First-time purchases may take a few minutes to a few hours.
Subsequent transactions are typically completed within 20 minutes, though high demand may cause delays.
Why Was I Charged Before Receiving My Cryptocurrency?
A pre-authorization hold is placed when an order is created.
This sets aside funds without actually charging your card.
Once verification is complete, the charge is finalized.
Pre-authorizations appear as “Pending” on your statement.
Why Do We Use Pre-Authorizations?
They confirm your payment method is valid and that sufficient funds are available before processing the transaction.
What Happens if a Transaction Is Rejected After Pre-Authorization?
If the transaction fails or is canceled:
The pre-authorization will be released.
In most cases, the hold disappears the same day.
In some instances, it may take up to 10 business days for funds to return to your account.
Rest assured, you will never be charged for failed transactions.
Alternative Ways to Buy Cryptocurrency on Bitcoin.com
If your bank continues to decline your transaction, check out this alternative solution:
👉 How to Buy Crypto with Onramper on Bitcoin.com
Need Help?
If you need assistance, our Bitcoin.com Support Team is available 24/7.
🖥️ Web Support (Help Center)
Tap the chat icon in the lower-right corner of the screen.
Select “Ask a question” to begin chatting.
📱 In-App Assistance
Open the Bitcoin.com Wallet app
Tap “More” (bottom-right corner)
Tap “Help & Support”
Select “Speak with a support agent”
Then tap “Ask a question” to begin chatting
📧 Email Support
Prefer email? Reach out to us at [email protected]. We’re here 24/7 to help you!