Transaction Declines
❌ Declined Transactions
How can I see declined transactions?
To view your declined card transactions:
Go to the Cards section.
Select the card you want to check.
Open the Transactions tab.
Click on the Declined sub-tab.
You’ll see:
Merchant name & amount
Date & time of decline
Reason for decline (e.g., insufficient balance, card blocked, fraud, etc.)
⚠️ Why was my transaction declined with no reason shown?
In rare cases, a transaction may be declined without a visible error message. Possible causes include:
A temporary technical issue (network or processor error)
A blocked merchant category (restricted MCC)
Timeouts during processing
🔹 Common Reasons for Declines
Insufficient Balance
Your card or linked budget/account doesn’t have enough funds.
Card Limit Exceeded
You’ve reached a spending limit (per-transaction, daily, weekly, monthly, or yearly).
Card Not Active
The card is locked, expired, or hasn’t been activated yet.
Fraud Protection
Our security system flagged the transaction to protect you from suspicious activity.
Compliance Restrictions
Certain categories are blocked (e.g., ATM withdrawals, Ecommerce, or restricted merchants).
Technical Error
A temporary issue with the network, terminal, or gateway caused the decline.
✅ How to Fix a Declined Transaction
If due to insufficient balance:
Add funds to your card, budget, or linked account.
If due to fraud block:
Your card will show as Temporarily Blocked – Fraud Check.
A SiFi representative will contact you to verify your latest transactions.
You can also reach out to support@sifi.sa to speed up the review.
If due to other reasons:
Try a different SiFi card.
Use Apple Pay / Mada Pay instead of the physical card (or vice versa).
Retry after a few minutes.
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