On-Ramp Best Practices

The fastest way to learn why debit or credit card payments can fail for crypto purchases

Card Payment Best Practices for Crypto On-Ramp

Card payments for buying cryptocurrency are complicated by numerous factors beyond just the card issuer. Success depends on your account setup with the bank, the bank's internal risk policies, whether you're using a credit or debit card, and regional regulations. Even cards from the same issuer can behave differently based on their fraud prevention systems.

Payment Method: Credit vs Debit

Debit cards have significantly higher success rates for crypto purchases. Credit cards are often blocked entirely by major issuers or treated as cash advances. If you have access to a debit card, that should be your first choice.

Before You Buy

Enable 3D Secure (3DS) authentication on your card if you haven't already. This is required for most transactions, especially in Europe. Verify that your billing address on file with your bank matches exactly what you'll enter during purchase—even small mismatches in postal codes cause declines. Check your available balance and understand any daily or monthly limits your bank has set on the card.

During the Purchase

Use your regular internet connection (avoid VPNs), enter your information carefully, and be ready to authenticate through your bank's app or SMS code when prompted. If the payment is declined, do not retry immediately. Wait 24-48 hours before trying again, as multiple rapid attempts can trigger additional security holds.

If Your Card Is Declined

Check your bank's app or online banking for any holds or alerts. Contact your bank using the number on the back of your card to ask whether they allow cryptocurrency transactions and if they can whitelist the payment. Some banks block crypto purchases automatically, and you may need to authorize it manually or use a different card from a more crypto-friendly institution. Certain major banks in the US and UK are known to block crypto card payments more consistently than others.

Common Reasons for Decline

Billing address mismatches, VPN usage, unverified accounts, multiple failed attempts in short succession, or cards flagged by your bank as high-risk for crypto transactions are the main culprits. If your bank has a restrictive policy on cryptocurrency, consider opening an account with a financial institution that is more supportive of crypto transactions.

For persistent issues, contact your bank's fraud or customer service team directly to understand their specific policies and get permission for crypto purchases.