Why Won’t Spotify Accept My Card? (Solved)

Although Spotify is safe for credit and debit cards, some people run into the issue of the app not accepting their cards. Here are a few reasons why Spotify is not accepting your card.

1. You are using the same card for more than one account

Check whether you have registered your credit or debit card before. It turns out, you cannot use the same credit or debit card for more than one Spotify account.

If you try to register the same card for more than one account, any further payment will get temporarily blocked. I found out about this after reaching out directly to customer support.

There might be some info about this card restriction, but certainly, it was not shown on the payment page. I think Spotify needs to be more clear about this restriction.

2. Your card is expired

Make sure your credit or debit card is not expired. Credit cards expire every three to five years, while debit cards typically expire every two to three years, depending on the issuer.

Generally, the expiration date is represented as a numerical month and a year. For example, an expiration date of 06/27 means the card will expire on June 31st, 2027, depending on the issuer.

3. Your credit card has been canceled

Although your credit card is not expired yet, it could be canceled. You may not even get a warning because your credit card issuer has the right to cancel your credit card at any time. 

According to the balance money, here are 6 reasons the issuer may cancel a credit card:

  • You stopped using the card.
  • You stopped making payments.
  • Your credit score dropped.
  • You rejected a rate increase (or other changes).
  • Your issuer is getting rid of the card.
  • The bank is closing.

If your credit card has been canceled, contact the credit card company about the cancellation. You may be subject to a credit check, but most issuers would be able to reinstate your account.

4. Not enough money in your checking account

If you use your debit card to pay Spotify on a monthly basis, you may not have enough money in the current account linked to the debit card to complete the transaction.

It’s a good idea to check your balance before making any payments. Fortunately, checking your account balance is a lot easier to do nowadays with mobile banking apps.

5. You have exceeded your card’s limit

If the balance on your bank account is too low, or you get close to or go over the maximum amount of credit you’re approved for, your credit card may be declined. 

Similarly, debit cards often have daily limits. 

Check your daily limit. Regardless of how much money is in your checking account, a transaction could be declined if you have exceeded your debit card’s daily limit.

Debit card limits are designed to protect you from fraudulent activities by stopping sudden purchases of high values. Don’t worry, you can pay for Spotify the next day.

6. You did not enter the correct details

As simple as it may sound, many people fail to enter the correct payment details when signing up for a subscription service. Double-check your payment details on your Spotify account page.

Also, make sure your bank or payment provider has your correct details. They may need to verify your identity, so any discrepancies may result in your card being declined.

7. The billing address did not match your Spotify country

As a Spotify Premium user, your card needs to match the country that you set in your profile. If your billing address does not match, your card won’t be accepted. 

8. Your card is not enabled for recurring payments

Make sure your card is eligible for foreign, secure online, and recurring purchases. If you are not sure, get in touch with your payment provider and ask for the information about your card.

For example, some payment providers no longer support recurring payments due to new banking regulations in India. As a result, Indians are encouraged to switch to a prepaid plan.

What to do if Spotify won’t accept your card

If you cannot use your credit or debit card to process payments on Spotify, it’s not the end of the world. Here are some workarounds you can try to pay for Spotify Premium.

1. Connect your card to PayPal

If Spotify is not able to process your card, you can always link your card (credit or debit) to a PayPal account, then pay for Spotify Premium using PayPal.

In order to process Spotify payments using PayPal, you need to make sure your PayPal account is verified and is registered in the same country as your Spotify profile.

2. Buy Spotify gift cards

You can use gift cards to buy individual Premium plans. Unfortunately, you cannot use gift cards on discounted plans like Premium Student, Premium Family, Premium Duo, or trial offers.

You can buy Spotify gift cards on Amazon.

3. Pay by mobile

You can add your Spotify payments to your phone bill.

All you need is to verify your phone number under the Pay by Mobile section. Then, all Spotify charges will be added to the phone bill you receive per your postal PIN code.

Alternatively, users who’ve downloaded Spotify from the Google Play Store will be presented with a choice to pay with either Spotify’s payment system or with Google Play Billing.

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