My payment with my Swile card was declined, but the amount has been debited from my account

Each payment made with the Swile card triggers an authorisation request to check your balance and ensure the merchant accepts your allowances. Sometimes, this authorisation request expires and is immediately marked as "failed" even though the payment was authorised on our end (which explains the visible debit on your account).

This can happen for several reasons, such as:

• The payment terminal (TPE) at the restaurant or shop has a slow internet connection,
• A brief internet outage on the merchant’s payment terminal,
• The card was removed before the payment was authorised,

👀 When will this be sorted on my account?

This transaction will remain pending until it is automatically cancelled by the banking system: it will appear in your history as “In progress”:

However, if you have the abandonment receipt, you can contact our customer service to speed up the process.

The debited transaction will change from “In progress” to “Payment failed”.