Unable to confirm payment method: Discord declines cards

There has been a quite common issue with Discord where some users find that their payments get declined when they try to buy Discord Nitro, games, or boosts for their favorite server. The error might say something like “Unable to confirm payment method.” This can happen with any payment method – Visa, MasterCard, PayPal, or debit cards, and on any device, whether it’s a desktop browser like Chrome or a mobile device like an Android or iPhone.

This guide will talk about why Discord might be declining your card and show you some workarounds you can try to hopefully fix it. We’ll cover potential problems from Discord, your bank, or something else entirely.

Why your payment might be declined by Discord

Below are some common reasons why Discord might sometimes decline your payment.

1. Some banks don’t allow international transactions or transactions on certain platforms for security reasons. Since Discord is international, some banks might block payments to it.
2. Discord checks the details you give against your bank’s records. If there’s a mismatch in your name, address, card number, CVV, or card’s expiry date, Discord might decline your card.
3. This might seem obvious, but make sure your card has enough funds before making a purchase.
4. If your card has expired, it will definitely be declined.
5. Although Discord accepts many payment methods, it doesn’t accept every global payment method. Check if your payment method is accepted.
6. Sometimes, Discord’s own security checks might mistakenly flag a transaction as suspicious and decline it.
7. Problems might occur not with your payment method but with Discord’s payment gateway, especially during times of high traffic or server issues.

Also see: Discord Stream (Screen Share) Lag, Low Quality or FPS Drop

What can you do when you encounter payment issues on Discord?

To get past the “Unable to confirm payment method” error on Discord, try the following suggestions.

Check your card and other payment details

First, double-check the billing information linked to your payment method. Your name, address, and card details should match exactly with your bank or credit card company’s records. Even small mistakes can cause payment failures.

1. Click “Settings” in the bottom left corner of your Discord app.
2. Select “Billing & Payments” from the left-hand menu.
3. Under “Payment Methods,” click on the payment method you want to use and make sure the information is correct.

Try to call your bank if you haven’t already done so

If you think your bank has stopped the transaction, call them. Let them know you’re trying to buy Discord Nitro and ask if they can allow transactions to Discord. Many users on Reddit have said that talking directly to the bank solved their problems.

• Call your bank’s customer service.
• Check if they have stopped transactions to Discord and why. Ask them to allow your transactions if possible.

Linked issue: Discord Stream Keeps Freezing: How to Fix it

Check funds and card validity

Look at your bank account or credit card statement to make sure you have enough money for the purchase. If your balance is low, add money to your account before trying again. Also, double-check that your card hasn’t expired.

Try another payment method

If your main card keeps getting declined, try using another card or another payment method like PayPal, which Discord accepts.

• Another credit/debit card.
• Other payment methods like PayPal.

Contact Discord support

If you’ve tried everything and still have problems, talk to Discord’s support team. They can offer specific help for your situation.

1. Go to Discord’s official support page.
2. Pick a relevant issue category like “Billing.”
3. After choosing the category, select a specific question related to your issue.
4. At the bottom of the page, click on “Submit a request.”
5. Describe your problem in a support ticket, but don’t include sensitive information like your full card number.
6. Discord’s team usually responds quickly and can give you specific advice or solutions.

Wait it out

Sometimes, server issues are temporary and can cause payment declines. If you know your payment method is good, waiting a few hours before trying again can sometimes solve the problem.

Related resource: Discord Won’t Connect to Voice Channel (Fix)

Frequently asked questions (FAQs)

Can I use prepaid cards for Discord Nitro subscriptions?

Yes, Discord usually accepts prepaid cards from major credit card companies like Visa or MasterCard. Make sure the card has enough money and can be used for online, international transactions.

Why was I charged multiple times even if the purchase failed?

These are likely authorization holds, not actual charges. When you try a transaction, a temporary hold might be placed to check if you have enough money. If the transaction fails, these holds should be lifted in a few days.

I’m using a new payment method; why is Discord still declining?

It could be for several reasons like your new card not being activated, your bank setting restrictions, or even issues with Discord’s payment gateway. Always check with your bank first.

Are there any alternative ways to purchase Discord Nitro without using my card directly on Discord?

Yes, you can buy Discord Nitro gift cards from authorized retailers and use them on the platform.

Can I set up a recurring payment for Discord Nitro?

Yes, when buying Discord Nitro, you can choose to have a monthly or yearly subscription. Just make sure your payment method can handle recurring payments.