Insufficient funds on your account: here's how to load funds to your card 

Wrong PIN: if you've forgotten your PIN you can reset it by calling 1-855-564-6999 and choosing option 4

PIN Not Synced: your PIN may not have synced with the card properly when you first set it up. This is amongst the most common reasons a card is declined, and resetting the PIN quickly resolves this. Just call 1-855-564-6999 and choose option 4

Mismatched CVV or expiration date: double check the CVV and/or expiration date on your card match what you've provided the merchant. This is particularly important if you've recently received a new card

Locked card: unlock your card from within the KOHO App or on KOHO Web

Cancelled card: Have you had your card replaced? It's possible the merchant is attempting an old, invalid card number

Merchant doesn't accept pre-paid credit cards: the KOHO card won't work for online gambling or adult entertainment sites, and some merchants may not accept prepaid credit cards (double check with them)

Blocked country: it's possible the merchant is located in a blocked country

Purchase limits exceeded: wait until limits reset on your account. To view your daily transaction limits in-app, tap the profile icon > Account velocity limits.