Understanding Transaction Declines
If your card is declined at a merchant, it is often due to external factors rather than your TRIA account.
Foreign Card Acceptance: Tria is a foreign-issued card. While we do not restrict usage, some merchants or their banks do not support foreign cards.
Changed Merchant Policies: If a card worked previously at a merchant but now fails, the merchant's internal policies or payment gateway rules may have changed.
Network or Security Restrictions: Temporary network issues or VISA-placed restrictions due to high-risk patterns at a specific merchant can also cause declines.
Refunds for Failed Transactions
If a transaction fails but the money is still deducted from your account:
Contact the Merchant: Confirm with them that the refund has been initiated.
Standard Timelines: Once processed by the merchant, funds are usually credited within 14 business days. However, depending on VISA processing, it can take up to 31 business days.
Support Escalation: If you have not received your refund after 2 weeks, please contact TRIA support with your refund transaction ID.