SPIELS:

Rep:

Thank you for calling, [Customer Name]. I see you’re reaching out about a declined

transaction—let me take a quick look into that for you.

(→ Review account briefly)

Rep:

Thanks for holding. The transaction was declined because it falls under a Merchant Category

Code—or MCC—that’s currently restricted on our platform.

Since we’re a debit card designed for kids and teens, we block purchases that are considered

adult-related or inappropriate for younger users. This includes certain categories like alcohol,

gambling, and other restricted services.

Rep (Optional, if appropriate):

I know that can be disappointing, but our goal is to help create a safe and age-appropriate

spending environment.