Why Your Crypto Card Is Declined?
The Weird Rules Nobody Told You
You topped up your USDT crypto card. You’re at the store. You tap… and it declines. This isn’t about insufficient funds. In the world of crypto cards, declines can happen even when you’ve done everything right. Confusing? You’re not alone. Let’s break down the real reasons your crypto card might fail — and how to stop it from happening again.
Ang MCC Trap: When the Store Type Matters
Every merchant falls under a Merchant Category Code (MCC). These 4-digit numbers categorize businesses — from grocery stores to gambling websites. Most crypto card issuers block specific MCCs, especially high-risk ones like gambling, crypto exchanges, adult entertainment, and gift cards. Even if you’re just paying a bill, the wrong MCC could mean a blocked transaction.
🛠 Fix: Stick with mainstream categories — retail, food, fuel, etc. If unsure, try another merchant or test with a smaller amount.
ATM Surprises: Why Your Withdrawal Fails
Many USDT card providers allow Mga withdrawal sa ATM — but with strict limits and regional restrictions. Some common issues include daily/monthly limits exceeded, country-specific ATM bans, or cards not enabled for cash withdrawal. Tevau, for instance, allows global ATM withdrawals with 1.9% fee, but usage may depend on local ATM compatibility.
🛠 Fix: Check your card’s withdrawal policy and test before traveling.
FX Conversions: The Invisible Barrier
Crypto cards convert your USDT to local fiat currency at point-of-sale. But if the local currency isn’t supported, there’s extreme rate fluctuation, or you selected “USD” instead of “local currency,” your transaction may fail or cost you more.
🛠 Fix: Always choose to pay in the local currency. Avoid USD when abroad.
Fraud Triggers & Temporary Freezes
Even small things like multiple transactions in quick succession, topping up from unknown wallet addresses, or using your card abroad without notice can trigger fraud detection and freeze your card automatically.
🛠 Fix: Use the card gradually. Enable location-based security in the app. Tevau provides instant in-app support to unblock if needed.
Random Glitches: When It’s Not Your Fault
Crypto cards are powered by blockchain wallets, payment processors (Visa/Mastercard), and real-time conversion engines. If any one of them is under maintenance, your card might get declined.
🛠 Fix: Wait a few minutes and retry. Enable Tevau’s transaction notifications for real-time insights.
Conclusion: Know the Hidden Rules
Crypto cards like Tevau are designed to make spending USDT seamless — but there are still guardrails. Understanding MCC codes, ATM rules, FX behavior, and security triggers can help you avoid frustration. Knowledge is your wallet’s best defense. With the right expectations, a USDT card can still be your smoothest bridge from crypto to real-world spending.