You can pay with your ADV Europe card wherever Visa/Mastercard cards are accepted. However, if the merchant requests 3D Secure confirmation, this payment may not pass as the card does not have this function enabled. Also, in some cases, certain security settings are applied on the merchant's end. For example, the merchant can only accept cards issued in your country of residence. We recommend contacting the merchant directly for decline reasons. On our side, we do not stop payments from being processed if the card has sufficient funds, including the possible currency exchange fee of 2.95%.

We also recommend mentioning the MCC code of the shop or website where you tried to pay. Certain MCC codes may be blocked by the card vendor according to their antifraud and AML policies.

Payments made with your ADV Europe card may be declined for these types of services:

• Wires, Money Orders
• Financial Institutions
• Non-Financial Money Orders
• MoneySend Intercountry (for example, Transferwise)
• MoneySend Funding
• Betting/Gambling