Keep your card running smoothly with these quick checks:
1. Tidy up subscriptions
Merchants may keep charging on schedule even if a card is frozen/replaced.
Unlink Hyperbeat Pay from services you no longer use; update card details after you get a new/virtual card.
2. Check card status before you pay
Hyperbeat App → Card → Manage: make sure the card isn’t frozen, expired, or deleted.
3. Confirm funds or borrowing power
Debit Mode: keep enough USD to cover amount + any fees/FX (keep a small buffer).
Credit Mode: ensure borrowing power/health is sufficient (don’t sit at 100%).
4. Review limits & controls
Hyperbeat App → Card → Details
5. Use correct currency (avoid DCC)
At checkout, choose local currency - not “your home currency.” DCC often adds a markup and can cause mismatches.
6. Wallet setup (Apple/Google Pay)
Re-add the card if tokenization fails; enable NFC/Wallet, and set Hyperbeat as default. Try a small test tap.
7. Billing details & 3-D Secure
Enter the exact name/address on your profile; complete the 3DS challenge promptly. Re-try if the CVV or OTP fails.
8. Merchant category support
Some MCCs are restricted (cash equivalents, certain gambling/crypto services, etc.). If blocked, try another merchant or payment method.
9. Large or unusual purchases
Temporarily raise limits in Controls/Limits; keep extra buffer in beatUSD or add collateral for Credit Mode.
10. Travel prep
If traveling, enable destination countries in Controls and keep tap-to-pay active.