Crédit agricole: online payment declined : CCM

Réponse 1 / 22

3l Indio

Hello everyone, I know this topic is outdated, but I’m going to share what this lovely advisor from Crédit Agricole Nord Est told me.

Basically, for the Mozaic cards (I don't know about the others), there is a limit (which in my case was not mentioned when acquiring the card) for what they call remote purchases (online payment). It is equal to half of your general monthly withdrawal limit. There is also a limit of 30 payments per month.

For example, if your monthly payment/withdrawal limit is €400, your remote purchase limit is €200 or 30 payments.

Best regards...

Nelfe22 Posted messages 38 Status Membre 38

Thank you for the info 3l indio! I'm still with Crédit Agricole, but this time in the Lorraine region, and I'm still having the same issue. At my previous agency, I eventually changed my card and therefore stopped using the Mozaïc card. I had way fewer problems.

Once I moved to Lorraine, I immediately asked NOT to have a Mozaïc card, but they made a mistake and I ended up with one again. It is completely IMPOSSIBLE for me to order anything online, even for amounts that are more than minimal (around €10). I asked them why that was the case, and as always, they replied that it might be because I filled up on fuel and that it blocked at the limit... Well no actually! I rarely fill up, I just found a job, but for a year and a half before that, I couldn't afford anything and my expenses were limited to automatic withdrawals (mobile plan, PEL, car insurance...). I didn't even exceed half of the limit your advisor mentioned.

I have too many issues with Crédit Agricole agencies anyway; the previous one took over a year to close the current account I had with them!! Moreover, I communicated my new address to them several times, but they kept sending my mail and bank statements to my parents' place (thank goodness they still live at the same address for now!).

Anyway, as soon as I move again, I will completely change banks... I'm fed up with Crédit Agricole!

Thanks anyway for your help :).

zao > stan

I believe that through these multiple obstructions, the banks, whose situation is more than questionable, are trying to keep their clients' money in their accounts. It should be noted that many French and European banks are certainly more in the red than the majority of their depositors. I had to experience two payment refusals yesterday for online orders with the CIC, even though my accounts are well funded: one with my personal account, the other with my business account. Could this not be a precursor to a major banking crisis, similar to what Cyprus, Greece, or Lebanon have recently experienced?

Réponse 2 / 22

jpoinpoin Posted messages 4 Status Membre 13

During some of my online purchases, my payments are systematically rejected and my Mastercard Gold is blocked by my bank, Advanzia Bank.
I use the Google Chrome browser and I have noticed that the screen requesting the entry of the SecurCode only appears fleetingly, without giving me time to enter this confidential code. Obviously, my transaction is rejected.
Do you have any suggestions for configuring Google Chrome so that the screen asking for the SecurCode remains stable, allowing me to enter the SecurCode?
This problem has been ongoing for many months, disrupting my online purchases and making it almost impossible to use my Mastercard Gold. Of course, this is not a problem related to the credit limit.
I have reported this issue to Mastercard and my bank, but there has been no solution so far.
Thank you in advance for any suggestions.

Mandine76

Hello, what was the problem because it's happening to me right now?

brucine Posted messages 24385 Registration date Status Membre Last intervention 4 098 > Mandine76

Hello,

It is generally an extension or security software (firewall or other) that blocks scripts and thus the redirection to the payment page.

Réponse 3 / 22

Lazarey Posted messages 3255 Registration date Status Membre Last intervention 745

Tell them frankly, online shopping is very secure.
Your parents may have power of attorney over YOUR account, but you're still the account holder. So call the bank (or buy a phone card at worst), or go see them and ask them.
They shouldn't be hovering over you 24/7.

Moreover, you can tell your parents that banks have insurance; if your card number gets hacked, they are OBLIGATED to reimburse you because they provide you with a secure payment method.
I know someone who had their card hacked without ever shopping online. Someone made a double-sided photocopy of their card and that was enough. Explain this to your parents.

Nelfe22 Posted messages 38 Status Membre 38

Thank you very much, I now have solid arguments thanks to you ^^
--

Beware, life is cruel

Réponse 4 / 22

Nelfe22 Posted messages 38 Status Membre 38

Here is the response from my bank if it can help those who also have a Mozaïc account:

"Hello,

The monthly limit of your card for its "payment" function is 360 euros; at your request, we can increase it to 560 or 900 euros.

Some payments do not require limit verification, those are the ones that are accepted."

--

Cave ne cadas, vita crudelis est

Réponse 5 / 22

Yetino78

I encountered the same problem when trying to order something for 240 euros. I tried several times before calling Fnac's customer service, who told me that I must have made a mistake when entering my card details. However, I tried one more time and... still nothing. Given your reactions, I'm afraid my problem is the same as yours, so I should contact my bank and ask them to increase the limit. Thank you for your responses that have confirmed my hypotheses.

Réponse 6 / 22

sibemol39 Posted messages 27 Status Membre 7

So far, I haven't had any problems paying for anything online with my card directly or via PayPal.

However, for the past three months, I've seen three payment refusals (one for a small publishing house POLE, another for registering with an association, and the last one for imusic school today)

It's not a limit issue or anything like that; if I go on Amazon, I can buy whatever I want.
I spent three hours on the phone with various services at La Banque Postale, and not only did I not get any explanations, but I also received contradictory information (like I had the e-Blue Card service, then I no longer had it with another person).
I spent two hours with my financial advisor who tried to sell me life insurance, car insurance, home insurance, a phone plan, among other things, but didn't provide any answers to this issue:
either they don't want to respond, or they don't know how to respond, but in both cases, I find it worrying because I've discovered that things are changing for online payments, and knowing a bit about the technical sides of banks, I fear both the ignorance of financial advisors and technical bugs.

In any case, the only clear answer I've received comes from PayPal.
Indeed, after failing to pay imusic school, I tried via PayPal, and there, bam, new refusal. While researching, I discovered that PayPal no longer accepts national cards.

Added to the fact that my financial advisor hinted at one point that it might be because my card is not a MasterCard, but that La Banque Postale no longer offered MasterCards anyway, it wouldn't take much for me to suggest that we are going to be victims of a war between the different card formats and the different banking institutions and that we can expect to see online purchase problems multiply in the near future.

Réponse 7 / 22

oYo

I faced the same problem, and after calling my bank, I was confirmed that it was actually a limit issue.
To make "large" purchases online when you're, for example, a holder of a Mozaic payment card, you need to request a limit change or go through someone with a higher limit.

Réponse 8 / 22

;)

I too, having had the same problem as you with a similar card, contacted my bank. They explained to me that some sites do not directly query the servers of the bank in question, but rather an organization responsible for processing transactions. However, these organizations do not take into account our types of cards. To be able to pay online, it is better to have a "standard visa."

Réponse 9 / 22

Louise

In fact, there is a limit on online payments that should not be exceeded each month. For example, if you have made purchases online, you cannot spend beyond a certain monthly amount.
You can change this capped amount with your banker.

Réponse 10 / 22

Lazarey Posted messages 3255 Registration date Status Membre Last intervention 745

Call the Crédit Agricole hotline. They will have more answers from us.

nelfe22

It's been since they changed their software. For me, it's the same, a disaster. And the bank tells me that everything is correct on their end. Before the new software, everything worked, but now it doesn't. Do you have any updates????
*

Nelfe22 Posted messages 38 Status Membre 38 > nelfe22

Well, I really don't understand ... It's not me who wrote the message above, I was informed via my email ... So the person who is having fun replying in my name, that's not very proper ... Please use another username!

dede

Hi, having worked at Crédit Agricole, it might simply be because the "remote purchase" function is not unlocked (when ordering a Mozaïk bank card, it is automatically blocked online). For Crédit Agricole Loire Haute Loire, the unlocking is completely free and immediate; however, if you have already made purchases with this same card online, then there is indeed a problem!

azerty > Nelfe22 Posted messages 38 Status Membre

Call from a landline is free.

Manutp > Nelfe22 Posted messages 38 Status Membre

Hello, I have the exact same issue as Nelf, I already paid with one before and it worked, and now it's blocking me, they tell me to try again with another number, it's strange ://

Réponse 11 / 22

Lechieur55 Posted messages 3 Registration date Status Membre Last intervention 4

For more than three years, Crédit Agricole IDF has been unable to make the 3D Secure system work on my bank cards. This system is used to confirm the payment of an online purchase by sending a code to a mobile phone or by email. Of course, my account has not been overdrawn for more than 15 years, and I have been typing on a keyboard for ages, which should rule out the idea that I am incapable of filling out a form.
Despite this, no lasting solution has been provided by CA, and despite dozens of emails, faxes, letters, and even reaching the general director, the branch I depend on, the mediator, and the customer service whose head refuses to take clients on the phone (the client is so bothersome that they should be forbidden to express themselves).
And worse, if we have the misfortune to tell them that they are useless, they stop responding.
So I confirm, in case these incompetent people read this review, that Crédit Agricole IDF is of unparalleled commercial and technical incompetence.

Réponse 12 / 22

MMMMMissax

In fact, there is a checkbox that says yes or no to online purchases; please check if it has been unchecked.

Réponse 13 / 22

PIKATOUT Posted messages 2053 Status Membre 353

Hello,

You'll tell me it's obvious, but you just need to contact Mozaic Mastercard.

Nelfe22 Posted messages 38 Status Membre 38

Yes, but on top of that, even though I am 19, my parents have the right to "interfere" with my account. There might be an option that prevents online purchases, and they could have activated it (since they didn't like that I had already bought things online).

I'll try to contact my bank then. Thank you.

--

Beware, for life is cruel.

Réponse 14 / 22

jenn

I have the same problem with my Visa from LCL
Does anyone have a solution
Because obviously there is money in this account
But it says that my bank refuses, sorry

Réponse 15 / 22

Fen0meneGG

Hello everyone, I'm having the same problem =/ I'm with LCL, MasterCard Inventive, and for the online purchase (3suisses), my card was declined for an amount of 23 something euros even though I have over 200 euros in my account. It's all so confusing. xD

Anonyme

Hi, I have the same problem and I'm with Crédit Agricole, on my card it's written "electronic only" so I can only pay directly I think because even purchases of 5 euros on the highway were refused.

marcel

1 year after your post, I'm here because I have the same problem as you, with the same card.... I wanted to buy an item in the USA, I have more than enough to cover the expense and it gets denied every time!

mammad

I'm very late but I'm also having this issue, I'm with LCL, I have a Maestro card, and some websites refuse my card, telling me that the payment information is incorrect (even though it's not) or that the payment is simply declined (even though I recently funded my account and I have enough to cover these expenses), while other websites accept it without any problem! If someone could help me that would be great, thanks!

joraline Posted messages 44569 Registration date Status Modérateur Last intervention 304 > mammad

Hello,

I'm very late but I'm also encountering this problem; I'm with LCL, I have a Maestro card, and some websites refuse my card, telling me that the bank details are incorrect (even though they are not) or that the payment is simply refused (even though I topped up my account recently and I have enough to cover these expenses), while other websites accept it without any issue! If someone could help me, that would be great, thanks!

I found this, it might help you understand.

-->steeve Posted messages 150 Status Membre 2 > joraline Posted messages 44569 Registration date Status Modérateur Last intervention

Good evening,
Could it be that you are "banned from banking"?

Réponse 16 / 22

mamytas

I'm also with BNP, and at the beginning of January, I received a new card, but I'm unable to make online purchases as it's declined every time, even though I have money in my account. I'm waiting for a new card.

Réponse 17 / 22

tilou2991

Hi, I had the same problem as you all, but I could make online purchases as long as I didn't exceed my limit.

Well now, I've switched to the Mozaic card with no balance control and a limit of €1500 for online purchases, so there's no more problem!!

Réponse 18 / 22

Nanouch85 Posted messages 2 Status Membre 1

Hello,

I had the same issue trying to pay online, even though I had money in my account.
I called my bank, and they told me it was a limit problem: we don't have a specific limit for online purchases, but a general payment limit.
That's why sometimes, even for small amounts, it is not possible to make a payment (especially think about it if you are at the end of the month).

In the blink of an eye, my advisor increased my limit, and within minutes I was able to make my purchase!

Réponse 19 / 22

Jùly

Hello,

If the numbers are not embossed on your debit card, you cannot make purchases online. You need to order another card with embossed numbers.

FrauX

The numbers on my card are not embossed and I was able to make purchases online...

Réponse 20 / 22

dona

Hi!
So for me today it's the same, my Visa card is not accepted for payment on a clothing site while yesterday I paid without any issues on another similar site. At first, I was scared and thought maybe I got scammed and someone took my code and now my card is declined because I don't have a penny left, but from what I've read here, I'm a bit reassured :)
I can't consult my bank because I'm not in France right now, so I guess I'll just have to wait until I get back.
If anyone has any advice, I would be grateful
Thank you.

Crédit agricole: online payment declined

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