Why was my payment declined if I have money in my account?

If you have funds but the payment failed, your bank is likely applying a daily online spending limit.

The $275 USD online limit

Some banks in Aruba and Curaçao cap e-commerce purchases at $275 USD per day. This is set by your bank, not Suave. Banks known to apply this limit:

• CMB

• MCB

• RBC

• Banco di Caribe

If you've already made online purchases today and reached $275, any further online transactions — including your Suave payment — will be declined, even with sufficient balance.

How to fix it

Option 1 — Wait until tomorrow. Your bank's daily limit resets at midnight.

Option 2 — Use a different card. The following banks typically allow unrestricted online purchases:

• ✅ Aruba Bank

• ✅ Revolut

• ✅ Orco Bank

• ✅ Any US bank or card

What do the decline codes mean?

• Do not honor — your bank blocked the transaction without a specific reason, often due to daily limits or security settings.

• Card velocity exceeded — your card has reached the maximum number or amount of online transactions for the day.

Both of these point to a bank-side restriction, not a problem with your Suave account.