Why Was My Meal Voucher Payment Declined?

You tried to make a payment with meal vouchers, but it was declined? On this page, you'll find the most common errors and can pay again with your card with confidence 💸

👩‍💻 Check your account settings

• My account is activated

💳 Check your card settings

• If this is your first payment with the physical card, use your PIN code: Get my Swile card PIN code
• Check that contactless payment is enabled: How do I enable or disable contactless payments?
• If you want to pay online, make sure online payments are enabled: How do I enable or disable online payments with my Swile card?
• Your card is still active and hasn't expired: My card is about to expire, how do I get a new one?

🙌 Conditions for a successful payment:

• The merchant accepts meal vouchers: Where can I pay with my Swile card?
• Your balance is sufficient to cover your purchase:
  • Check your balance and view your spending
  • Why haven't I received my meal vouchers yet?
• Your meal voucher payment is within the daily limit (€25), or you've enabled the card relay option:
  • How much can I pay in meal vouchers with my Swile card?
  • How do I use the card relay option?
• Payments can be made Monday to Saturday. You can pay on Sundays and bank holidays only if you work on those days and your employer has enabled this option: Can I pay on Sundays and bank holidays?

👀 I've met all the conditions, but my payment was still declined

• Go to your Swile account in the "Accounts" menu to view your history. On the mobile app, tap "Show all".

• For the failed transaction, you can see the reason for the payment failure. If the shop is shown as ineligible but should be eligible, you can click "Make eligible - Refund".

💡 By downloading the app, you'll receive a notification telling you why your payment was declined.