Payment declines

If a payment declines, you can see the reason in your Monzo app. Tap the declined payment in your feed, scroll down, and tap Something wrong? Get help.

Chip & PIN needed After several contactless payments, you’ll need to use Chip & PIN before contactless works again.

Authentication needed Some online payments must be confirmed in your Monzo app. They may decline if cancelled, timed out, or if the amount changes.

Card settings Your payment may decline if your card is frozen, or if online/contactless payments are turned off. You can update these in Manage card.

Apple or Google Pay issues Wallet payments need your device unlocked and your card added correctly. Try re-adding your card if declines continue.

Merchant issues If the payment doesn’t appear in your app, the merchant didn’t send the request to us. Ask them to try again.

If you're still having trouble, chat to us in the app by tapping here