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Posted 06 November 2017 - 10:37 AM



Here are the answers to both previous questions:


>> Is it possible to purchase an e-book using cash as a payment method?


There are several ways to do this:


1. Open a PayPal account and then fund the account using PayPal Cash by visiting a retailer that has enrolled into the PayPal Cash service.  You can then make your purchase using PayPal (that we accept).  


2. Purchase a pre-paid debit card.  Many retailers sell these just for this purpose.


3. Ask  a friend who has a credit card/debit card to make the purchase for you and then give your friend the cash.


4. If you have a bank account, open a PayPal account and then fund it with a bank transfer.


>> Your transaction was declined. Please try again. Reason - PBE10002-Card not active for online transactions.


This means that your card has been blocked by the card issuer for online purchases.  Telephone your card provider and ask them to unblock it.


Best Regards


Mike Smart

Posted 06 November 2017 - 08:57 AM


Your transaction was declined. Please try again. Reason - PBE10002-Card not active for online transactions.

Posted 05 November 2017 - 04:27 PM

Is it possible to purchase an e-book using cash as a payment method?


Posted 26 October 2017 - 09:35 AM

Hello Jean


If your credit card company definitely know nothing about the failed authorization the problem is caused by pre-screening.


Retailers are sometimes charged a few cents by credit companies/gateway providers just for submitting a card for approval (even if approval fails).  If you have a business with a massive number of failed authorizations the cost of just asking the credit card company to authorize can amount to a lot of money.  For this reason, some retailers/gateways may decide to use a pre-authorization service. I can guess that Disneyland tickets would be a prime target for fraudsters as they are so easy to sell so Disney probably do have a lot of problems.


Pre-authorization is a little like anti-spam measures for e-mails - some legitimate transactions that should be authorized will be blocked (in the same way that you'll often find genuine e-mails in your junk folder). 


You can never second-guess which pre-authorization rules are in use.  It might be something as simple as your card being registered in a different country to the one you are buying goods in - or even "red lining" (where addresses in particular countries or even geographic areas within a country) are routinely blocked.  


It might be a good idea (if possible) to telephone the supplier and ask them to take your credit card number over the phone.  This is apparently regarded as far less risky than a credit card number supplied over the Internet and you may find that this method skips the pre-authorizaton step and will thus be approved.  It is also the case that PayPal payments are usually "always approved" (as the cash is in your PayPal account) so, if the retailer accepts PayPal you can open and fund a PayPal account (using your credit card) and then use PayPal to pay the retailer.


I hope you get to enjoy Tokyo Disney Sea (hope I get there one day)!


Best Regards



Mike Smart

Posted 26 October 2017 - 07:23 AM

Hi ! I tried to purchase theme park tickets (for Tokyo Disney Sea) on the official website, using credit cards which are supposed to be used on this website, and just when the transaction is going to be done, there's a message saying that the credit card wasn't authorized and that I should try another one. We tried different cards (mine, my mother's...) and it's still not working... Except the problem doesn't come from the card issuers (we called them) So I wonder if the problem comes from the website, or maybe it's something else ?


Posted 15 August 2017 - 09:23 AM



This is due to your card issuer implementing something called "3D Secure".  In this system the card issuer gets you to set a password and then, when you try to use the card, you are taken to a 3D Secure page that asks for the password.  The message you are describing sounds like you have entered  the wrong password too many times and then been blocked "by your card issuer" from trying any more (for security reasons).  The solution is to contact your card issuer, explain that you have forgotten your password and ask them to reset it.


Note that you can also pay by PayPal in which case you can fund your PayPal account in many ways.


Best Regards


Mike Smart

Posted 15 August 2017 - 06:13 AM



Posted 12 January 2017 - 11:44 AM

Hi Nick


I'm assuming that this error was reported when you attempted to pay using a credit or debit card and that this error originates with your card provider.


The only authority that can definitively tell you the precise meaning of their error message is your card provider.  If you phone or e-mail them and ask why your payment was declined they will tell you.  They will not tell anybody else for security reasons.


My best guess is that the error relates to an invalid account number meaning that you entered your card number incorrectly.


Best Regards



Mike Smart

Posted 11 January 2017 - 08:50 PM

What does invalid account mean.


Posted 17 October 2014 - 09:29 AM

There are many reasons why a credit card may not be authorized.  The easiest way to find out is to telephone your card company who will usually tell you the reason. Sometimes your card may not authorize and the card company may not record the reason. This would happen if you simply typed in the card number incorrectly (for example).


Here are all of the reasons why your card may be not be authorized:


Insufficient funds.


This is the most common reason for failing to authorize when there is not enough money available on the card.  You may be unaware that you have insufficient funds for a variety of reasons:




If you book car hire, hotels or any other service that you will use in the future it is common for merchants to “pre-authorize” your transaction (often without your knowledge).  For example, suppose you had $1,000 credit left on your card and you booked a hotel in a months’ time that will cost $950.  You now only have $50 of credit left for the next month.  Even if you cancel the hotel it may be still be a month before the pre-authorization is removed (as many banks do not allow merchants to remove pre-authorizations).


If you think this may have happened telephone your card company to have the pre-authorized transactions removed.


Your recent payment has not yet cleared


This is especially true if you pay by sending a check in the post.  It can take a long time (due to postal delays and check clearance) for the funds to actually clear and be applied to your account.  If you think this may have happened telephone your card company to check that your recent payment has cleared.


You entered the wrong credit card details


Your address or other card details did not match the address in the card company’s files for that card. 


This often happens when you move house but forget to tell the card company your new address.  It can also happen if you don’t spell your address in exactly the same way that it appears on your card statement.


The card will also be rejected (of course) if you type in the wrong number, wrong issue/expiry date, wrong verification code, or wrong 3D-Secure code.


Suspected fraud


Every card company has many different rules to “suspect” fraud.  One even boasts that they apply over 300 rules to screen for fraud.  This results in a huge number of “false positives”.  Some card companies are incredibly over-cautious and will decline your card for the most trivial of reasons.


If you have had a card stolen or experienced fraud in the past you may also be on a high-risk register and your card company may be even more cautious in approving your transactions.


It is impossible to second-guess all of your card company’s anti-fraud tests (if they were published criminals would work around them) but here are some of the more common ones:


The card has not been used recently.


Some card companies will stop any non-routine payment if a card hasn’t been used for a few weeks or months.


If you think this has happened telephone your card company to have your card re-activated.


Unusual spending pattern rules


Card companies have a huge number of rules revolving around spending patterns.  It is impossible to know what these rules are (if they were published criminals would work around them) but anecdotal evidence suggests that a few of them are:

  • If you have never purchased on-line before and you try to make your very first Internet purchase your transaction could be blocked.
  • If you normally buy your shopping at one supermarket and then decide to use a different one, your transaction could be blocked.
  • If you normally buy low-cost clothes and then try to buy an expensive coat your transaction could be blocked.


You are purchasing from a merchant that doesn't reside in your home country.


In a global economy it is just plain silly for a card company to do this… but some still do.  The only solution is to telephone your card company who will then remove their block on your card for overseas transactions.


Your card has been de-activated due to suspicious activity.


This may have happened because you visited a restaurant, garage or other establishment where “card skimming” criminals have been operating.  The card company may then block any card that was ever used at that establishment.  In this case your card will not work anywhere. 


If you card company has done this they may have already issued a new card which may be in the post (even though you may not be aware that your current card is blocked).


Your e-mail address is on a blacklist


Because of the large amount of spam circulating on the Internet there is now a huge database of suspected spammers.  You can get on one of these lists quite innocently.  If you send somebody an e-mail and they click the "report as spam" button on the bottom of their e-mail client when they receive it you may find your e-mail address blacked.  If you've recently found that a lot of your e-mails don't reach the recipient it may be a sign that your address is on one of these lists.


Credit card companies sometimes screen against purchasers whose e-mail address is on a list of suspected fraudsters.  For this reason, you may find that your card is authorized if you use a different e-mail address when purchasing.

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