Auto payment failures (credit and debit cards)
Auto payments may be declined when your card:
- has been lost, stolen or cancelled,
- has expired,
- details have changed but your Linkt account hasn't been updated,
- expiry date is incorrect, or
- doesn't have enough money or credit to cover the auto payment amount.
In these situations, the bank will decline the payment request and your auto payment will fail.
When an auto payment fails, we'll notify you by email, SMS and via the Linkt app if you have push notifications enabled.
You'll also see a payment failure alert when logged in to your account. This alert will include the reason and date the payment failed so you can decide what to do next. The most common reasons are:
Insufficient funds
The card doesn’t have enough money or credit available to cover the payment amount. You'll need to transfer funds to your credit or debit account.
Card expired
Generally, this message displays when your card has expired and a replacement card (with the same number) has been issued by your bank. You'll need to update the card expiry date and confirm the card security code. It’s important to keep this information up to date to avoid your account becoming overdrawn or overdue.
Transaction failure / card declined
This usually means the card is no longer active or valid, or the card expiry date or number is incorrect. It may, for example, have been cancelled, or reported lost or stolen. You'll need to replace the old card with another payment method.
Auto payment failure
When an auto payment fails, it's important to act quickly. If your account becomes overdue or overdrawn and you continue to travel, your account may become suspended, and you’ll start receiving toll invoices and additional fees.