--- title: Troubleshooting International Card Payments description: Issues with foreign transactions --- [Skip to content](https://support.mightycall.com/troubleshooting-international-card-payments#main-content) [![Logo MightyCall 32x35](https://support.mightycall.com/hs-fs/hubfs/Logo%20MightyCall%2032x35.png?width=33&height=35&name=Logo%20MightyCall%2032x35.png)](https://support.mightycall.com/?hsLang=en) - [View status page](https://status.mightycall.com/) - [Submit ticket](https://share.hsforms.com/1soAJALfaT0uWAbdbOnNPWA8ozk) - [Visit our website](https://mightycall.com/) Open main navigation Close main navigation - [View status page](https://status.mightycall.com/) - [Submit ticket](https://share.hsforms.com/1soAJALfaT0uWAbdbOnNPWA8ozk) - [Visit our website](https://mightycall.com/) - How can we help you? - There are no suggestions because the search field is empty. 1. [MightyCall Help Center](https://support.mightycall.com/?hsLang=en) 2. [MightyCall Call Center](https://support.mightycall.com/mightycall-call-center?hsLang=en) 3. [Payment Methods](https://support.mightycall.com/mightycall-call-center?hsLang=en#payment-methods) # Troubleshooting International Card Payments If you're trying to make a payment using a **debit or credit card issued by a non-US or non-Canadian bank**, but your transaction gets declined, you're not alone. This issue typically originates from **the card-issuing bank or local regulations**, not from the payment system used by MightyCall. Below is a detailed explanation of why this happens and how it can be resolved. - [What causes these errors?](https://support.mightycall.com/troubleshooting-international-card-payments#cause) - [Card issuer limitations](https://support.mightycall.com/troubleshooting-international-card-payments#issuer) - [Regulatory restrictions](https://support.mightycall.com/troubleshooting-international-card-payments#regulatory) - [Authentication requirements (3D Secure)](https://support.mightycall.com/troubleshooting-international-card-payments#authentication) - [Unsupported card networks or products](https://support.mightycall.com/troubleshooting-international-card-payments#unsupported) - [What you can do](https://support.mightycall.com/troubleshooting-international-card-payments#can-do) ### What causes these errors? We use trusted third-party payment gateways such as **Stripe** and **Authorize.net**, which support international payments. However, some cards (especially those issued by banks in **India**, **Pakistan**, or **the Philippines**) may fail due to: #### **Card issuer limitations** Many banks in these countries issue cards with **international usage disabled by default**. This applies especially to **debit cards**, which may be restricted to domestic transactions only. - **India & Pakistan**: Most debit cards are local-use unless explicitly enabled for international e-commerce. - **Philippines**: Many cards, including those from major banks like BDO, BPI, and Metrobank, require **manual activation** for international or online use. Even if the card appears to be enabled, banks may block: - Certain **merchant categories** (e.g., software, digital services); - **Recurring or subscription-based** purchases; - Transactions made through **foreign gateways**. #### **Regulatory restrictions** Central banks in some countries impose strict controls on cross-border payments, for example: - **India**: The Reserve Bank of India (RBI) enforces foreign exchange compliance and may block non-compliant international payments. - **Pakistan**: The State Bank of Pakistan (SBP) restricts outbound international transactions, especially for non-essential services. - **Philippines**: Bangko Sentral ng Pilipinas (BSP) does not prohibit international payments, but individual banks may impose their own risk controls or require user consent. #### **Authentication requirements (3D Secure)** Issues can arise when the cardholder hasn’t enrolled their card in 3D Secure. #### **Unsupported card networks or products** Some cards, especially from India, Pakistan, or the Philippines, may be branded with: - **RuPay (India)**: often domestic-only; - **UnionPay** or **local-only** Visa/Mastercard variants**;** - **ATM cards mistakenly used as debit cards** in online environments. These may not be compatible with international payment gateways. ### What you can do If your card was declined: 1. **Contact your bank** and verify that: - **International** and **online payments** are enabled; - Your card supports **recurring payments** (if applicable); - **3D Secure authentication** is active and set up properly. 2. **Try a different card**, preferably: - A **credit card**; - A card from a **globally recognized bank**. 3. Use an **international virtual card** or **PayPal** (if available). 4. For customers in the Philippines: You may also consider using services like **GCash with Mastercard**, **PayMaya**, or **virtual prepaid cards** that are enabled for international transactions. - [MightyCall Call Center](https://support.mightycall.com/mightycall-call-center?hsLang=en#main-content) - [Profile & Settings](https://support.mightycall.com/mightycall-call-center?hsLang=en#profile-settings) - [Subscription & Billing](https://support.mightycall.com/mightycall-call-center?hsLang=en#subscription-billing) - [Payment Methods](https://support.mightycall.com/mightycall-call-center?hsLang=en#payment-methods) - [Auto Dialer](https://support.mightycall.com/mightycall-call-center?hsLang=en#auto-dialer) - [Calling & Messaging](https://support.mightycall.com/mightycall-call-center?hsLang=en#calling-messaging) - [Messaging Compliance](https://support.mightycall.com/mightycall-call-center?hsLang=en#messaging-compliance) - [Call Flow Setup](https://support.mightycall.com/mightycall-call-center?hsLang=en#call-flow-setup) - [Numbers](https://support.mightycall.com/mightycall-call-center?hsLang=en#numbers) - [Team Management](https://support.mightycall.com/mightycall-call-center?hsLang=en#team-management) - [Workspaces](https://support.mightycall.com/mightycall-call-center?hsLang=en#workspaces) - [Reports](https://support.mightycall.com/mightycall-call-center?hsLang=en#reports) - [Mobile App](https://support.mightycall.com/mightycall-call-center?hsLang=en#mobile-app) - [Desktop App](https://support.mightycall.com/mightycall-call-center?hsLang=en#desktop-app) - [Integrations](https://support.mightycall.com/mightycall-call-center?hsLang=en#integrations) - [Deskphone Guides](https://support.mightycall.com/mightycall-call-center?hsLang=en#deskphone-guides) - [FAQs](https://support.mightycall.com/mightycall-call-center?hsLang=en#faqs) - [MightyCall Classic](https://support.mightycall.com/mightycall-classic?hsLang=en#main-content) - [Personal Settings](https://support.mightycall.com/mightycall-classic?hsLang=en#personal-settings) - [Subscription & Billing](https://support.mightycall.com/mightycall-classic?hsLang=en#subscription-billing) - [Calling & Messaging](https://support.mightycall.com/mightycall-classic?hsLang=en#calling-messaging) - [Messaging Compliance](https://support.mightycall.com/mightycall-classic?hsLang=en#messaging-compliance) - [Call Flow](https://support.mightycall.com/mightycall-classic?hsLang=en#call-flow) - [Team & Roles](https://support.mightycall.com/mightycall-classic?hsLang=en#team-roles) - [Business Numbers](https://support.mightycall.com/mightycall-classic?hsLang=en#business-numbers) - [Mobile App](https://support.mightycall.com/mightycall-classic?hsLang=en#mobile-app) - [Integrations](https://support.mightycall.com/mightycall-classic?hsLang=en#integrations) - [Deskphone Guides](https://support.mightycall.com/mightycall-classic?hsLang=en#deskphone-guides) - [FAQs](https://support.mightycall.com/mightycall-classic?hsLang=en#faqs) [mailto:support@mightycall.com](mailto:support@mightycall.com) Copyright © 2025, MightyCall