Transactions may be declined for any of the following reasons:
1. Incorrect Billing Address
The billing address entered at checkout must match the address linked to your Ferry account. You can check or update your billing address in your Ferry account settings.
2. Blocked Merchant
Some merchants are restricted and cannot process transactions with your Ferry Payroll Card. The following merchant types are not allowed:
- Quasi cash merchant (like CashApp)
- Gambling transactions: sportsbook, fantasy, and social gambling
- Government Owned Lotteries
- Internet Gambling
- Government Licensed Horse/Dog Racing
3. Spend Limit Reached
Your Ferry Payroll Card has daily and per-transaction spending limits. If you’ve reached your limit, you’ll need to wait for it to reset or use a different payment method.
4. Card is inactive
If your Ferry card is frozen or expired, the transaction will be automatically declined.
5. Incorrect card details
If any of the card information was entered incorrectly during an online transaction, it would lead to a decline. Please make sure the card number, expiration date, and CVV code match the numbers on your active Ferry card.
Note: As long as your Ferry card number was entered correctly, you will receive an email with more information regarding the specific transaction decline.