Today I attempted to make an online payment with Curve via a fairly new credit card. My payment was rejected, and I got a notification from Curve saying I had exceeded my spending limits. This confused me, as I’m at less than 20% of my daily, monthly, and yearly limits.
I tried with another card backing Curve, and the payment went through. Then I tried another payment with the original card, and it failed. Even after deleting and re-adding (and re-verifying) the card, payments still failed.
I then deleted the card and re-added it again, but this time I signed up for 3D secure when verifying it (I hadn’t enabled it on this card before), and after that I’m able to use it again.
Based on this, it seems like I had exceeded some limit on the card when it was verified without 3D secure. This was not obvious at all, however. I don’t think most users would figure it out.
This process could be massively improved by (a) giving an accurate message in the notification, and (b) having a way to re-verify cards without deleting and re-adding.