If your card status is normal and you have sufficient balance, but the transaction is still declined by a specific merchant, it may be due to the following restrictions:
Physical Card Required:
Common Failure Scenarios: Hotel check-in deposits, car rental pickups.
Reason: These merchants usually require customers to present a physical card with their name printed on it for pre-authorization and do not accept virtual cards or Apple Pay. Currently, MPChat does not offer physical cards and cannot support these scenarios.
Card Type and Merchant Channel Mismatch:
US Advantage Card is Mastercard; Asia Advantage/Business Cards are Visa.
Please check if the merchant supports your card brand (e.g., Costco US stores only accept Visa).
Billing Address Verification (AVS) Failure:
Some online merchants (especially cross-border e-commerce) strictly verify the "Billing Address."
Troubleshooting: Please ensure that the Billing Address you enter at the merchant matches the billing address displayed in the MPChat App exactly.
Merchant Category Code (MCC) Restrictions:
MPChat prohibits transactions at high-risk merchants such as gambling, adult entertainment, and illegal trading platforms; the system will automatically block these.