Why Is Venmo Declining My Payment? (9 Reasons Why)

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Oberon Copeland

Oberon Copeland is a graduate of Southern Illinois University Carbondale, with a degree in economics and HR.

If you are a frequent Venmo user, you enjoy the convenience of being able to transfer money instantly and pay for goods and services immediately.

Payment and transaction decline messages are frustrating, and Venmo can’t always say why a payment is declining. However, there are several reasons why Venmo is declining your payment.

Why Is Venmo Declining My Payment?

1. Insufficient Balance

The most common reason that Venmo declines a payment is for an insufficient balance. There simply are not enough funds available in the account to cover the cost of the transaction.

If you try to make a payment and you see a message saying that your payment was declined, check to see if you have enough money in your account to cover the cost of the transaction.

If you do not have enough money, you will need to add more funds to your account before making the payment.

You can add funds to your Venmo account by linking a bank account or using a credit or debit card.

2. Payment Is Too Large

Your Venmo payment may be declined if the payment is too large. The maximum amount you can send in one transaction is $4,999.99.

If you’re trying to send a payment that’s larger than that, you will need to split it up into multiple transactions.

Venmo also has daily purchase limits and a limit on the number of transactions that can be processed in your account in one day.

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Check your account limitations to make sure you are not exceeding daily limits. If you’re still having trouble, you can try contacting Venmo’s customer support team for more help.

3. Trying To Pay A Business

If you’re trying to use Venmo to pay a business, your payment might be declined. Venmo is designed for peer-to-peer payments, and businesses are not considered peers.

There are a few exceptions to this rule. For example, if you’re paying a business that uses Venmo as a payment method (like a taxi or food delivery service), your payment will likely go through.

But if you’re trying to pay a business that doesn’t use Venmo, your payment will probably be declined.

Businesses are subject to different regulations than individuals regarding payment processing and are designed to protect consumers from fraud and scams.

4. Expired Credit Or Debit Card

If you’re trying to use a credit card that’s no longer valid, expired, or canceled, your payment will be declined.

Make sure you’re using a current and active credit card when you try to make a payment on Venmo.

If you have received a new card from your bank, you may need to log into your Venmo account and update your card information.

Check your credit card details in your Venmo account to ensure everything is up to date, and your account is ready to process payments.

5. Compromised Card

Compromised Card

If your credit card has been compromised, it may be flagged with a security alert and issue declines on all incoming transactions.

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Venmo may decline a payment attempted on a credit card that has been flagged with fraudulent activity.

If you think your credit card may have been compromised, you should contact your bank or credit card company immediately.

If you find unusual activity on your credit card, you have a right to dispute charges you know you did not make.

6. Deposits Pending

If deposits are still in pending status on your account, Venmo may decline payments until the deposit has been fully processed and funds are available.

Deposits can be processed instantly or take several days to go through, so keep this in mind when transferring a deposit into your Venmo.

7. Connectivity Issues

Poor internet connection might cause Venmo to decline a payment because the transaction does not fully process.

Internet connectivity and slow internet are among the most common problems with instant payment processing.

Check your network connections, Wi-Fi signal, and incoming internet service to ensure you have enough bandwidth to process payments through Venmo.

8. Network Or System Issues

The problem may not be with your account or your internet at all. Instead, network or system issues could cause Venmo to decline your payment.

If Venmo’s systems or your banking network are experiencing technical problems, all transactions may be declined across the entire network.

9. Your Venmo Account Is Suspended

If your Venmo account is suspended, you will not be able to use it to make or receive payments. You may have received a notification from Venmo about this suspension.

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If you did not receive a notification, you could check the status of your account by logging in to the app and tapping on the “Account” tab.

The most common reason for account suspension is a violation of Venmo’s User Agreement, including using Venmo to send or receive payments for illegal activity.

Another reason for account suspension is if you have outstanding payments or an outstanding balance. This means that you have failed to pay someone or a deposit has failed.

You will need to pay the outstanding balance to remove the suspension. Contact Venmo customer support to resolve any suspension issues.

To learn more, you can also read our posts on why Venmo is not working, why Discovery Card is a joke, and why your Visa gift card is being declined.


There are several reasons why Venmo is declining your payment, from insufficient funds to incorrect or outdated information.

Be sure to check all of the information associated with your account and try again. If you still can’t make a payment, contact Venmo customer support for further assistance.


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