5 Common Online Shopping Payment Issues and How Cardtonic Solves Them

I still remember the day I decided to upgrade my wardrobe and purchase new clothes on Temu. After spending hours picking, unpicking, and then adding the ones I finally fell in love with to the cart. I reached the checkout to pay for them, but I received the “Transaction declined” error message.

Tried over and over again, the same error message. You can imagine how frustrated I was. 

I decided to search online for ways to solve this problem. Later found an article talking about virtual cards, and Cardtonic came out as one of the top ones. I decided to give it a try, and hey! I was totally stunned.

What I had been trying to pay for for hours got completed in a twinkle.

So, in this article, I’ll be talking about the top 5 most common online shopping payment issues and how Cardtonic could help you solve them.

Top 5 Issues In Cross-Border E-Commerce Payments And How To Solve Them 

The common online shopping payment issues include card rejections on global sites, low international spending limits, hidden maintenance fees, security concerns, and unpredictable network downtime. Cardtonic solves them by providing virtual cards that are globally accepted, with high daily transaction limits and 24/7 network availability.

1. Card Rejection on Global Sites: 

The issue with card rejections on many global sites is that they use BIN (Bank Identification Number) filters. 

If your card is not from a supported region or does not have the ‘3D Secure protocols’ that most international vendors require, the transaction will usually be automatically declined.

Cardtonic steps in here by providing you with virtual dollar cards issued by global providers. Because these cards are widely accepted for international payments, they just “work” on sites where local cards will typically fail. 

Even better, Cardtonic now has a new type of card called Platinum cards, which are even more impressive than the regular virtual cards. With it, you can enable the contactless tap-to-pay feature, where you don’t have to enter your card details before paying. Just literally ‘tap’ and ‘pay’. Cool, right?

2. Low International Limits:

This is one of the biggest issues shoppers encounter when purchasing items on international platforms. 

Though local banks have now increased the international spending limit on naira cards from the old $20-50 limit to around $1,000-2,000 per quarter (depending on the bank). 

Let’s be real. If you’re a business owner running global ads or someone who likes to bulk-shop, $1,000 over three months is still very restrictive. 

One big purchase and your hands are tied for the next 90 days!

Cardtonic steps up the game by expanding daily limits to $50,000 and an unlimited cumulative funding limit.

So, whether you want to pay for a $30 subscription or you’ve got a high-volume business transaction to execute, you can fund your virtual card through your wallet and spend freely! 

3. Unpredictable Network Downtime:

While Naira cards may be back for international transactions, the underlying infrastructure is still largely catching up. 

Throughout late 2024 and early 2025, a lot of major local banks went inactive and had service disruptions that lasted days (and even weeks for some) because of  said “core system migration and technical upgrades”. 

Cardtonic’s infrastructure is cloud-native and it is designed specifically for international and high-velocity digital payments. 

So, you can always be assured that whenever you’re ready to click “Pay now”, the transaction is always ready to be executed!

4. Hidden Maintenance Fees:

Have you ever tried paying a simple $10 subscription fee, only to be charged a monthly card maintenance fee, an international transaction fee, and a currency conversion fee? 

By the time the transaction is complete, the $10 item will cost $13- $15. How unnerving it can be!

With Cardtonic‘s one-time $1.5 card creation fee and $0 monthly maintenance fee, you can be sure your international shopping transactions remain transparent. 

Also, foreign exchange rates are updated in real time. So, you are always well aware of the actual cost of your transaction before proceeding.  

5. Security Concerns (Fraud): 

Digital payment fraud is one of the biggest issues faced by online shoppers today. 

For context, according to Statista, digital payment fraud cost consumers over $40 billion globally in 2025 alone. 

Using your primary bank card on every site you find online can significantly increase your security exposure and risk of compromise. 

Cardtonic’s virtual card acts as a “firewall” for your finances. Since it’s a virtual card, it’s not linked to your main bank account. You only need to move the money you need to spend.

Also, other anti-money laundering (AML) measures have been put in place, including a know-your-customer (KYC) process, two-factor authentication (2FA), and the ability to instantly freeze your card upon noticing any suspicious activity.

With these, you can be rest assured of a safe and secure transaction session while shopping on your favourite platform. 

Frequently Asked Questions 

1. Why Is My Local Debit Card Being Rejected On International Websites?

Most local cards lack the international Bank Identification Number (BIN) clearance required by global merchants or have lower spending limits. 

Cardtonic offers a virtual card that works across most global shopping platforms, with impressive spending limits. 

2. Can I Use Cardtonic To Pay For Subscriptions Like Netflix, X, Or ChatGPT?

Absolutely! Cardtonic cards are perfect for recurring payments on Netflix, X, ChatGPT and many other subscription-based platforms. Ensure your card is funded before the billing date to avoid service disruptions.

3. How Can I Get the Cardtonic Virtual Card?

Getting a cardtonic virtual card is absolutely seamless. First, download the app on Google playstore or Apple appstore and sign up to create your account. Complete the KYC (Know Your Customer) process. Then, fund your cardtonic wallet via any of the different funding options (bank transfer, card, USSD, gift cards). 

Finally, select your preferred type of virtual card (Regular or Platinum and Visa or Mastercard). Your card details will be instantly sent to you. 

4. How Do I Fund My Cardtonic Virtual Card? 

You can do this in 3 easy steps. First, fund your Cardtonic Wallet via a bank transfer. Then, go to the “Virtual Card” section in the app. Finally, click “Top Up” using your wallet balance, and Voila! Your virtual card is now funded.

5. What Is The Most Common Method Of Payment When Shopping Online?

Digital wallets and debit/credit cards make up over 70% of all e-commerce payment methods globally. They are the most used because of their security and transaction execution speed. 

6. Are There Any Monthly Maintenance Fees For The Virtual Card?

No! Cardtonic charges no monthly maintenance fee for its virtual card. You only pay a one-time $1.5 card creation fee to create your virtual card.

Conclusion 

So, there we have it! The top 5 most common online shopping payment issues and how Cardtonic’s virtual card is well-positioned to ensure you have a smooth shopping experience. 

Online shopping should be enjoyable, not a hassle. 

If you’re really ready to up your shopping game, head over to the Cardtonic app, register, get your virtual card funded, and begin the turn of a smooth and absolutely stress-free shopping experience.