My card was declined
Ask whether that card brand is accepted. If it is, ask to insert the card and use its PIN. If it still fails, switch to another accepted card or cash and check your bank’s app.
Do this now
- Check the payment logos and ask staff which method the terminal expects. A contactless failure does not prove the physical card is unusable.
- Read any issuer alert in your bank’s official app. Confirm travel or a legitimate transaction there, without sharing your PIN with staff.
- Use another accepted card or ask where the nearest international ATM is. Check pending transactions before making repeated online purchases.
Which situation are you in?
At a checkout
Ask staff to select credit card payment, then follow the terminal’s insert or tap instructions.
On a website
Check the billing details and issuer authentication. Contact the merchant if a payment is pending but no booking arrived.
I need cash
Use an ATM displaying your card network. Check the ATM fee and your issuer’s withdrawal conditions before confirming.
このカードは使えますか。使えない場合は、現金で支払えますか。
Can I use this card? If not, can I pay in cash?
You can take a screenshot to keep this message handy.
Before you continue
Acceptance varies by merchant and issuer. Cash withdrawals on a credit card may be treated as a cash advance. Never assume a failed screen means no charge is pending.
Related questions
Will every shop accept Visa or Mastercard?
No. Check the merchant’s displayed payment methods and any restrictions.
Should I send my card number to support?
Use the bank or merchant’s official support channel. Never send your PIN, password or one-time code to a stranger.
Sources & checking
Source review: 17 September 2026 · Desk research, not a field test. Service conditions can change.