Why is my transaction being declined?
There are several reasons why your card may be declined:
• Insufficient funds
• You have not activated your card
• The merchant channel has been blocked as it is not approved by your salary packaging provider
• The merchant has not been categorised correctly by their bank
• You are selecting the ‘SAV’ or ‘CHQ’ option rather than the ‘CR’ option.
https://www.beyondbank.com.au/need-help/why-is-my-transaction-being-declined