Connect with verified singles from 200+ countries
12,847 Online Now
Payment Help

Card Getting Declined?

It happens. Banks are overly cautious with dating charges. Here's exactly how to fix it.

Australia

Australian Users

Australia has the highest dating decline rate in the world by a large margin. Local banks are extremely strict with dating categories. Skip the frustration — go straight to Wise or Revolut, verify your ID first, and have a backup card ready before you try.

Quick Fix

Get Back Online in Minutes

1

Get a Fintech Card

Download Revolut, Wise, or Cash App. These approve dating charges way more often than traditional banks.

2

Create a Virtual Card

Generate a fresh virtual card in the app. This bypasses any blocks on your existing card number.

3

Enable Online Payments

Turn on "online payments" and "international" toggles in your card settings before trying.

4

Start Small

Try a small purchase first. Once it goes through, larger amounts usually work fine.

By Region

Cards That Actually Work

Fintech cards approve dating purchases far more often than traditional banks

US

United States

Fintech beats big banks every time
C
Cash App Most consistent US approvals
R
Revolut Virtual cards that work great
W
Wise Not recommended Recent banking changes causing issues
GBDEFR

Europe & UK

Strong fintech options available
R
Revolut Best EU/UK option for dating
W
Wise Works well with multi-currency
N
N26 Solid in supported countries
AU

Australia

Highest decline rate globally — use fintech
W
Wise Best option for Aussies — verify ID first
R
Revolut Great backup with virtual cards
SGHK

Singapore & Hong Kong

Smooth for travelers and expats
W
Wise Great for multi-currency spending
R
Revolut Instant freeze/unfreeze controls
We're independent from these providers. This is practical guidance based on what we see working, not financial advice.
Why It Happens

It's Not You

Category Blocks

Many banks auto-block "dating" and "adult" merchant categories regardless of your balance.

Location Mismatch

When your IP address doesn't match your card's country, fraud systems get suspicious.

3D Secure Failures

Delayed or missing verification prompts cause silent failures. Fintech apps handle this better.

Pro Tips

Maximize Your Success Rate

Disable VPN During Checkout

Set your location to match your card's country when making a purchase.

Expect the First Decline

It's normal. Fintech apps let you unlock and retry instantly — legacy banks don't.

Verify Your Identity First

Complete ID verification in your fintech app before attempting payment.

Try a Different Card

If one keeps failing, generate a new virtual card number and try again.

Still Getting Declined?

Message our support team with a screenshot of the decline. We'll help you figure out the best next step for your specific situation.