Disputes, Chargebacks, and Declined Purchases with MySudo Virtual Cards

If you experience a problem with a purchase made using a MySudo Virtual Card, here’s what to know about disputes, chargebacks, and declined transactions.

Filing a Dispute or Chargeback

If there is an issue with a purchase, you must resolve it directly with the merchant or retailer.
MySudo cannot issue chargebacks or refunds on your behalf.

For more details, please review the MySudo Terms of Service for information about dispute procedures and your responsibilities as a cardholder.

Understanding Declined Transactions

When a transaction is declined, you’ll see a “Declined” status in the transaction details for that virtual card. The decline reason will also appear there.

Before trying again, double-check that you entered all card details correctly:

• 16-digit card number

• Expiration date

• CVV

• Billing address

If all information is correct, a decline may be caused by one of these reasons:

• Merchant limitations: The merchant may not accept Mastercard credit cards, may not be U.S.-based, or may not process charges in U.S. dollars.

• Transaction limits: MySudo virtual cards have a maximum of $250 per transaction and a $350 daily spending limit.

• Insufficient funds: Your funding source might not have had enough available funds when the merchant attempted the charge. MySudo charges your funding source at the time of the transaction.

• Bank blocking: Some banks block privacy card transactions. Contact your bank to confirm and authorize the charge.

• Prohibited purchases: MySudo virtual cards cannot be used for restricted categories such as gambling, betting, lotteries, cash disbursement, quasi-cash, money transfer, foreign currency exchange, securities, pornography, dating or escort services, firearms, alcohol or liquor, telemarketing, multi-level marketing, or any illegal activities.