Venmo Payment Declined: Here’s What You Need To Know

Written by Shalini Kapoor
Last updated:
Reviewed by Daisy Martinez
Our site offers educational and informational content only, not professional financial advice. Consulting a financial advisor about your particular circumstances is best.

Venmo payment declined is an issue when you receive an error message while trying to make payments. This can be bothersome when you are in a rush. We are here to analyze the cause of this error. We will discuss what is the reason behind this and what could be the possible solution.
So stick with us to the end of this article. This will help you further in avoiding this issue. In this article, we will discuss the following things: 

What Is Venmo?

First, let’s get familiar with Venmo. Venmo allows you to send and receive money with your phone. You can pay your friends, share costs, shop online, and trade crypto. It’s a fun, secure way to pay that tens of millions use.

How Does Venmo Work?

Venmo is an app that lets you send and get money by linking it to a bank account, credit card, or debit card. You can pay your friends, share costs, shop online, and even trade cryptocurrencies with Venmo.

Venmo takes money from one user and gives it to the other user in their Venmo balance. You can also use Venmo’s debit card, QR code, or direct deposit to use your money.

venmo payment

Reasons For Payment Declined Venmo

In this section, we will discover why Venmo says the payment was declined. Let’s discuss the most common reasons first.

1. Insufficient Funds In Your Account

Venmo payments can be declined if there are not enough funds in your Venmo balance or linked bank account. Make sure to add funds to cover the transaction amount before attempting again.

2. Internet Or Technical Problems

Connectivity issues or weak internet connection can result in Venmo transaction declines. Try connecting to a different network or restart the app and your device. If the problem persists, contact Venmo customer support.

3. The Card Issuer Or Bank Declined The Payment

Sometimes, the bank or card issuer may block the transaction due to suspected fraudulent activity or freeze your account. Contact your bank or card issuer to resolve the issue.

4. Venmo Payment Limits Exceeded

Venmo has transaction limits, and if you exceed them, your payment may be declined. Regular users have a max weekly limit of $999.99, but identity-verified users can send up to $19,999.99 a week. The transfer limit is set at $5,000 per transaction. If you wish to transfer an amount exceeding $5,000, you will need to initiate multiple transfers.

If you surpass these limits, you’ll need to use an alternative payment method.

5. Incomplete, Outdated, Or Unverified Account Information

Failure to complete the account setup or verify your account can lead to Venmo declined payment. Ensure that you have provided accurate and up-to-date information, including a valid bank account number.

6. Account Is Locked Or Frozen

Multiple failed login attempts or issues with two-factor authentication can result in Venmo locking or freezing your account temporarily. Wait for a few minutes or hours to try again, or contact customer service for immediate assistance.

7. Suspicious Payment Activity Or High Volume Transactions

Engaging in a large number of transactions within a short period, particularly if they involve high-risk activities, can trigger a Venmo transaction decline. Examples include international payments, high-risk account transactions, or sudden spikes in transaction volume.

8. Products Or Services Are Considered High-Risk

Venmo may decline payments related to high-risk businesses or industries, such as those with a high chargeback ratio, high transaction volume, or involving certain categories like adult products, alcohol sales, firearms, gambling, and more.

9. Transaction Allowance

Venmo may decline international transactions or transactions that exceed the ACH limit set by the platform.

10. Application Issues

Application problems can lead to Venmo transaction declines. Ensure stable internet connectivity and check for any application-related issues.

11. Card Status Or Bank Account Block

Blocked bank accounts or card statuses can result in Venmo payment declines. This can occur due to busy servers, peak hours, or other factors related to your bank or card issuer.

12. Device Settings

Incorrect device settings can prevent Venmo from working properly. Check and adjust your device settings to ensure compatibility with Venmo.

13. Venmo Flagged The Transaction

Venmo may flag a transaction if it triggers automated security measures. This can happen with large or irregular payments or if the transaction is associated with a website flagged as suspicious.

It’s important to note that while these reasons outline common causes for Venmo payment declines. Each situation can vary, and contacting Venmo customer support or your bank can help resolve specific issues.

What To Do When Venmo Says Payment Declined?

1.  Contact Your Bank Or Card Issuer

If you don’t know why Venmo didn’t work, contact Venmo by email or phone. They can tell you what went wrong. If the problem is with your bank, call your bank directly. Venmo can’t access your bank account.

2. Try Using A Different Payment Method 

If there is an issue with your payment Venmo you can use another way to pay. For example, you can use Stripe, Cash App, or PayPal. They are also good for payments.

3. Check Your Venmo Account

Make sure everything is correct in your account. Check your card number, expiration date, and name. Make sure they match your bank account. Also, make sure you have a good internet connection.

4. Get A New Card

If your card is old, it may not work. Call your bank or card company and ask for a new card. Activate it before you pay again.

5. Don’t Spend Too Much On Your Credit Card

Look at your credit card limit and how much you have spent. Keep your credit utilization below 30% to avoid temporary dips or over-limit fees. Pay what you owe to fix the problem.

6. Ensure Sufficient Funds

Make sure you have enough money in your bank or Venmo account. Add more money if your account is low or empty.

7. Make Sure Your Card Is Not Blocked

If your card is blocked, you can’t pay with it. Check if your card is working and not blocked. Ask Venmo to unblock your account if you need to 

8. Check Your Address

Make sure your address matches the one on your card. This can help avoid errors. Some sellers may not check your address, but you should still give the right one.

9. Know Your Limits

Look at how much you can send with Venmo. It depends on if you are verified or not. Don’t send more than your limit.

10. Only Use Venmo In The U.S.

Venmo only works in the U.S. and U.S. territories. You can only send and receive money from U.S. citizens. Check if the seller takes U.S. dollars and is in the U.S.

11. Try Making The Payment Again At A Later Time

If Venmo payment is declined, you can try again later if you’ve checked with your bank or card provider.

12. Fix Any Errors

If something goes wrong, try these steps: clear the app data, log out and log in again, update the app, and check your internet. If it still doesn’t work, call Venmo.

It’s important to note that these solutions only provide general advice; for specific issues, contact Venmo customer support or your bank directly.

Alternatives to Venmo

Here’s a simple bullet list of peer-to-peer platforms or digital payment platforms with peer-to-peer features that are alternatives to Venmo:

  • Zelle
  • Cash App
  • Facebook Pay
  • Apple Pay Cash
  • Google Pay
  • PayPal (with “Send Money” feature)

And we have made a quick comparison table to explain their pros and cons:

PlatformPeer-to-PeerPayment LimitsFeesMobile AppSecurity Features
VenmoYes$19,999/week for verified usersFree for bank transfers and major debit cards; 3% for credit cards and some debit cardsYesPIN and biometric authentication
ZelleYes$500/ weekly send limit
$5,000/ weekly receive limit
FreeYesTwo-factor authentication
Cash AppYes$1,000/ 30 daysFree for personal use; 1.5% for instant transfersYesPIN and Touch ID
Facebook PayYes$10,000/transaction for MessengersFreeYesPIN and biometric authentication
PayPalYes$10,000/transactionFree for personal use; 2.9% + $0.30 for instant transfersYesTwo-factor authentication
Apple PayYes$10,000/transactionFreeYesFace ID and Touch ID
Google PayYes$2,000/transactionFreeYesPIN and biometric authentication
Note: Payment limits and fees are subject to change and may vary based on account verification status and other factors. Please refer to each platform’s website for the most up-to-date information.


Why Won’t Venmo Let Me Send Money From My Balance?

Venmo can decline your payment for suspicious activity or payment limit reach, etc.

How Do I Pay My Bills When My Sending Limit Has Been Reached?

The purchase and sending limits are separate. Purchases of up to $7,000 are permitted.

How Do I Increase Venmo Transaction Limit?

Venmo Account history and activity affect your limits. Limits may change over time based on these factors. You can have the full potential if you have verified your identity.

Is It Possible To Get A Refund If My Venmo Payment Was Declined?

When a payment is declined, the transfer of funds is often automatically canceled. In this case, you will not require a refund.


Venmo is a convenient app that lets you buy things and pay for services without using cash. However, Venmo is not perfect, and sometimes your transactions may fail for various reasons. 

You can try to fix this by using a different bank account or PayPal or by making sure your card has enough money. 

If your Venmo payment is declined, don’t worry. There are many easy ways to solve the problem. It is recommended that you contact support to resolve your issues faster.

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Shalini Kapoor

Shalini Kapoor is a dedicated financial writer and editor at Currently pursuing her Master's in Accounting, she possesses a unique blend of academic rigor and practical insight into personal finance. Shalini is fervent about empowering individuals with actionable financial advice, grounded in her in-depth studies and natural flair for simplifying complex topics. As an editor, she ensures every piece of content meets the highest standards of accuracy and relevance. With a passion for continuous learning, Shalini is not just sharing knowledge but also constantly expanding her own, to benefit the readers of

Disclaimer: The opinions, analyses, and information expressed by this author are for informational purposes only and do not constitute financial, investment, or other professional advice. Always conduct thorough research and consult with a professional before making any investment decisions.

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