In case of bank card payment rejection

Card issuers, card payment organizations, payment intermediary service providers that cooperate with card payment organizations, and card acceptance units must refuse card payments in the following cases: Using cards to make fake payment transactions at card acceptance units and card transactions prohibited under the provisions of the Decree on non-cash payments; Cards have been reported lost by the cardholder; Cards have expired; Cards are locked.

Card issuers, card payment organizations, payment intermediary service providers cooperating with card payment organizations, and card acceptance units may refuse card payments when there is doubt about the honesty and transaction purpose of the cardholder according to the law on anti-money laundering.

Card issuers, card payment organizations, payment intermediary service providers cooperating with card payment organizations, and card acceptance units may refuse card payments according to agreements in the following cases: The remaining payment account balance, card balance, credit limit or overdraft limit (if any) is not enough to cover the payment; The cardholder violates the regulations of the card issuer in the agreements between the cardholder and the card issuer, according to which the card is refused payment.

The card issuing organization is responsible for notifying in writing or by data message about the cases of card payment refusal specified in Clause 1, Clause 2, Clause 3, Article 25 of Circular 18/2024/TT-NHNN to the card payment organization;

Upon receiving a notice from a Card Issuing Organization in Vietnam or a Card Issuing Organization abroad or an International Card Organization in writing or via data message regarding cases of card payment refusal specified in Clause 1, Clause 2, Clause 3, Article 25 of Circular 18/2024/TT-NHNN, the Card Payment Organization is responsible for notifying the Payment Intermediary Service Provider that cooperates with the Card Payment Organization and the Card Accepting Unit.

Notifications of card payment rejection (including notifications from foreign card issuers and international card organizations) are effective from the time the party involved in the card payment transaction receives the notification in writing or by data message.

After the relevant party has received the notice but still pays the card and allows the card to be exploited, the determination of responsibility is agreed upon by the parties.

Source: https://daidoanket.vn/truong-hop-bi-tu-choi-thanh-toan-the-ngan-hang-10291367.html