GCash Mastercard Declined: What to do?

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The GCash Mastercard is a physical debit card linked to your GCash wallet balance. It is easy to get one through the app or one of the partner stores of GCash.

This article will tell you all about the GCash Mastercard and the common issues you may encounter when using the card.

Why was my GCash Mastercard declined?

There are a couple of different reasons as to why your GCash Mastercard declined at the cashier.

1. Insufficient GCash balance

You might not have enough funds in your GCash wallet thus causing the transaction to fail.

2. GCash app is down

The GCash app might be down or going under maintenance. Their product team conducts regular maintenance to fix bugs and update the app with new or improved features.

3. The store’s POS system is offline.

Sometimes the problem may not lie with GCash but instead with the store’s POS terminal. If their network is offline, you won’t be able to use your card.

4. Your card has expired or is damaged.

Debit cards always have an expiry date. Assuming the issue is not with the GCash app or the POS system, then your Mastercard might no longer be active. Another possible reason is that your card may have suffered some damage.

What do I do if my GCash Mastercard was declined?

Here are the troubleshooting steps you can take to check why your GCash Mastercard did not work:

Step 1: Open the GCash app on your smartphone.

Step 2: Try to log in to GCash. If you encounter an error, the app might be down. Otherwise, if you’ve logged in successfully, go to the next step.

Step 3: Check your wallet balance and see if the amount is enough to cover your purchase. If you have sufficient balance, proceed to the next steps.

Step 4: If you have enough money in your GCash wallet to pay for your purchase, the problem may be with either your Mastercard or the store’s POS. Double check with the cashier if their POS system is online.

Step 5: Should the cashier confirm their system is indeed online, check your card to see if it is expired or if it is damaged in some way.

Benefits of using GCash Mastercard

1. You don’t need wifi or data.

Some places have a weak signal or perhaps you forgot to load your phone with mobile data. In this situation, you can use your card.

2. You can pay for purchases in stores that don’t have a GCash QR code.

Some stores are still pretty traditional and won’t have a GCash QR code set up. If they have a POS terminal, you can still use your GCash balance to pay for your purchase with your GCash Mastercard.

3. You can withdraw cash from your GCash wallet.

Although online banking and payments are becoming more popular, many shops still have a cash-only policy.

With a GCash Mastercard, you can withdraw your balance at any ATM to pay for your cash purchase.

Frequently Asked Questions (FAQs)

How do I get a GCash Mastercard?

You can request your very own GCash debit card on the Gcash app if you are a fully verified user.

How much is the GCash Mastercard?

It costs Php150 to get a GCash Mastercard plus delivery fees.

Conclusion

There are many things that can go wrong when using your GCash Mastercard. Use the information in this article to figure out the root cause of the problem.

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