Card payment declined

Card declines usually come down to a few common causes. Run through these checks before you contact support.

Check your card balance

Your card balance is separate from your wallet balance. Open the Card section in the Kite app to see your card balance. If it’s too low, top up from your USDC or USDT balance and try again. Top-ups are free, with a 0% conversion fee.

Check your spending limits

You might have hit a spending limit. Kite Card limits for in-store and online purchases:

• Daily: $50,000 or 50 transactions, whichever you reach first
• Yearly: $990,000 or 1,040 transactions, whichever you reach first

Pending transactions count toward your limits until they settle. Daily limits reset at midnight Singapore time (SGT, UTC+8).

Check your card status

Go to the Card section. If your card shows as Frozen, tap Unfreeze and try again.

For non-USD purchases, check the total

Purchases in currencies other than USD have a 1.8% FX fee. If the purchase plus the fee comes to more than your card balance, the payment will be declined. Top up a little more and try again.

For online purchases, check your card details

Make sure you’ve entered your 16-digit card number, 3-digit CVV and expiration date correctly. You can find all three in the Card section of the app. Fix any typos and try again.

Some merchants don’t accept prepaid cards

Some merchants, such as car rental companies, hotels and some subscription services, decline prepaid cards even when your balance is high enough. Try another payment method, or ask the merchant whether they accept prepaid cards.

Still having trouble?

If none of these checks fixes the problem, email care@kiteapp.xyz with:

• The merchant’s name
• The purchase amount
• The date and time of the decline
• The error message you saw