Merchants that do not accept prepaid cards

  • While the Neat MasterCard is accepted in 300,000+ locations worldwide, there are a few merchants that we have found so far that do not generally accept prepaid cards. We are working with them to get them to accept Neat. Please let us know if you have encountered any problems while using Neat, we will talk to the merchant to try and get them to accept our card.

    Merchants we know of so far:

    E-commerce (personal)

    • Amazon (depending on country/shop/services, mostly works).
    • Chinese CTrip - make sure to use the HK website, this works
    • Linking card to PayPal -- this now works


    • Uber (you can link your card to PayPal and use it like that)
    • Lyft

    SaaS / business services

    • Shopify (unstable)
    • EA Origin
    • Microsoft Azure
    • Facebook Ads > set your currency to USD. HKD may cause issues
    • Digital Ocean (pay through PayPal)
    • Upwork
    • WPEngine
    • Vultr (pay through PayPal)
    • Filestack (pay through PayPal possible in some cases)
    • GetRevue (pay through PayPal)
    • Tilda (pay through PayPal)
    • SumoMe

  • May I know are there end to end approach to all merchant? It is hard to contact every merchant to use this technology. May I know are there any payment gateway accept this payment method like worldpay or easypay??

  • Since we are on the MasterCard network, every merchant that accepts MasterCard will typically accept Neat, except for a few exceptions of which we will keep track here! So far, after trying out the card at hundreds of merchants these are the only ones we've found.

  • I'm sure you're looking at it - is Apple Pay integration a possibility with a prepaid MasterCard in Hong Kong?

  • @nelsonmckey yes, it's technically possible to integrate with prepaid cards, but this will take a while and unfortunately I cannot yet give you a sure answer on whether we will do this as there is a certain cost involved as well. Will keep you updated!

  • Managed to link my Neat card to PayPal successfully and made my first payment via Neat/PayPal.

    However, there are some undisclosed spending limits until the card is confirmed. When you click "Confirm card", it says "card not accepted".

  • Hi, Electronic Arts Origin gaming service doesn't accept the card, it's a big franchise. They sell a lot of big games

  • Just confirmed, EA's Origin ( says this when trying to add a Neat card:

    Your request could not be processed.
    We're unable to verify this credit card.

    Also, Microsoft's Azure service doesn't accept the Neat card.

  • @Anton @TopEngage thanks, I've contacted their support, I need to see whether it's them blocking prepaid cards or whether it's an issue on our card issuer's side.

  • I wonder why would online services like Amazon, EA origin don't accept Neat card... maybe you didn't have enough balance? Or you're purchasing with your US-account? If you're purchasing with an US-account, or overseas account, they may not accept a HK-issued card. This is not related to Neat card.

    If you open an HK account and pay with the Neat card, they may accept it. Just a thought.

  • @Link1001 Indeed there is no reason for them not to accept... Of course with non pre-determined prices there are some concerns (though there are ways to make it work).

    EA just told me that they only accept US or Canada issued prepaid cards, which doesn't make much sense as there is no difference. We'll talk to their payments team.

  • @Anton For Azure I think there is unfortunately not much chance they will accept prepaid as they do not accept it at all in any country, under any circumstance (with all other companies listed above they make exceptions for certain countries, cards etc).

  • @iris_neat I kind of understand why EA doesn't want to deal with prepaid cards except US or Canada. It is way too easy to buy Russian or EU-issued prepaid Visa cards using bitcoin or stolen money, which creates AML issues for the merchant.

  • I just tried NEAT card with HSBC PayMe Service. It is not accepted.

  • @Anton weird. I can't link my NEAT card to my PayPal account. it said "not accepted/declined by issuer". :/

  • Our issuer is working on fixing PayPal this should be done anytime now. We will keep this topic updated.

  • Great news! Linking neat card to PayPal ought to solve Uber issue. Then we can use Paypal as payment option in the Uber app.

  • China Unicom ( uses SAGE as payment provider and they do not accept my neat card for top up of my prepaid SIM card.
    You should find the declined payment of 10 GBP in your system @iris_neat

  • I have successfully connected the NEAT card to my PayPal account. I haven't yet made a PayPal payment yet but it seems now that it works.

  • @idioteque Connected but not verified, right? I couldn't verify the card, which removes some limits, but it still doesn't prevent me from paying with it.

  • @Anton Nah, connected AND verified. I got the confirmation code right away through iOS notification. Now I just have to find something to pay with my PayPal account. :D

  • OK, found another site which had a problem with the Neat card:

    When I add the card, it is successfully authorized (I get an SMS about a $0.00 charge), but when it's time for the actual payment, the card is declined. Retried several times.

  • @idioteque You're right, probably PayPal changed their mind somehow. I've retried just now and the card is successfully verified in PayPal.

  • Our issuer should now have enabled PayPal :D It works for us but please help us test and let us know if you encounter any issues.

  • I currently cannot seem to use the card to top up my Starbucks account through their app, which is weird as I'm quite sure I've done that before.

  • Same when topping up through their site. Jusy checked: indeed I topped up a number of times, last time in March.

  • @bao_hongkong am checking with their CS. Wonder if it has to do with their app, see many reviews in the app store of people having payments issues.

  • That was my first guess but on the site I had the same problem. Just tried again on my computer (desktop site) and still the same problem.

    However, if as you say many issues are reported, it may indeed be on their side.

    I will contact them from my side, can you try to do the same from yours?

  • @bao_hongkong Yes, have done so, but haven't heard back. Will keep this updated.

  • Iris, Starbucks contacted me today and told me that following an "upgrade" of their systems, they now cannot accept certain cards anymore, and advised me to try with another card.

    I explained that I have no other card and asked them to "upgrade" their system again (or "downgrade", "retrograde", "biodegrade"or whatever grade they like), but it didn't sound like this is going to happen soon.

    I hope you can be more successful :)

  • I'm counting my days till my josurney to Hongkong und I hope I can use neat very often. Can I pay with neat directly in Starbucks? Have you tried this?

  • @eandree Yes you can definitely use your card in Starbucks :). The issue we were discussing above is related to their app (for which I still didn't get a good answer from them).

  • @eandree For some reason, when I'm in Starbucks I always pay cash :) but I'll give it a try and let you know.

    The thing is that Starbucks now supports remote orders, so you can order ahead, walk in and pick it up (and skipping the line, yay). For those cases, it would be nice to be able to also charge your account remotely of course, or else it will defeat the whole purpose.

  • Yes, I know pre-order service. But here the only way is to pay it with credit card.
    I will tr neat soon.

  • To answer the above question on Starbucks acceptance:

    • top-up today with Neat in the Starbucks store, no problem at all
    • top-up just now with Neat online (Starbucks site this time): refused.

  • @bao_hongkong Starbucks told me they recently changed their system, they only allow checkout with verification code which our card issuer does not support at the moment. There are many websites that use SecureCode but normally if websites require this and detect the card is not compatible it will "override" and not ask for it. So for the moment cannot change anything about it; they told me to top up the account (by card) in the store.

  • I have tried those :

  • I've tried it on Playstation network, without success, a umber of times.

  • And to the above: yes, google and amazon were both fine and great.

  • @bao_hongkong strange, PS has worked for other users, we'll look into it, in the meantime I believe PlayStation store accepts PayPal so I'd suggest adding your Neat card to PayPal and using that option.

  • Thx Iris. I was just going to reply myself after some searching online: it would appear that the Playstation acceptance of cards is extremely funky:

    PSN rejects many payment cards that are valid elsewhere for a number of reasons. It is not an accident. It is completely intentional. If the billing addresses of the cards do not match the registered home address of your PSN account, then there is no chance that PSN will accept them. PSN also rejects international credit cards, most debit cards, cards from online banks that have not verified your billing address with postal mail, cards from banks that don't support the AVS address verification protocol; and several other more obscure reasons. If your card does not work, then you have to use another form of payment.

    So... forget it. Thx!

  • @iris_neat As in your updated post stats that linking card to paypal shouldn't be a problem now but i still ran into the issue of not able to link my card to my personal paypal account, is there something i did wrong which causes it to unable to link or there is still some issue on linking cards to paypal?

  • It worked for me a couple days ago. I was even able to link it to a non-HK paypal account, so I would guess no problem at all.

  • @bao_hongkong well I have tried several times but giving the same message of "card declined by issuer"

  • @Goat_freeman Yes, I agree with you.. Still can't seem to verify my card to paypal, it connects but it doesn't let me confirm the card itself..

  • Everytime I try to confirm my card to PAypal, it says "card not accepted, use a different card".. did I do something wrong?

  • @itsalexg Just checked your account, to link to PayPal you must have balance in your Neat Account as they take HK$15 to confirm your card is valid (and they will refund this later).

  • @iris_neat Ohhh I see, thanks!

  • @iris_neat

    one thing though, it is treated as an actual refund and a fee will be charged because of that......

  • So far used twice and twice was a fail. User experience so far for me has not been great.

    Sites that couldn't take my card..


    Still waiting for my documents to be confirmed even though it has been over a week since I submitted them ....hopefully it will happen soon .so I can withdraw the money and continue to use tap and go card instead.

    Perhaps try again some point down the line when it's more established.

  • @William CTrip should definitely work, we've had many customers buy on CTrip, the only issue we had before is if using it on the Chinese website (instead of Hong Kong website, you should be able to buy the same things on the HK website).

  • I confirm what Iris said, I've bought a number of trips on CTrip with Neat.

  • I cannot link my Neat card with my WeChat Pay Wallet, it shoes the infamous "System Busy" error. At first I thought that the system really was busy but it has been a while now and some blog posts suggest that it simply means that WeChat is not accepting the card.

    Has anybody tried WeChat Pay (Hong Kong)?


  • @JFA WeChat Pay Hong Kong definitely works, however, same as PayPal or iTunes, you need to have balance as WeChat authorizes a small amount that is later released to check your card is valid. You tried it when you had balance in your account?

  • @iris_neat Yes, just tried again 20 seconds ago (Paypal worked easily) with some balance. I'll try again in a few hours then.

  • @JFA I think it may be a (temporary) WeChat issue. I just checked and users linked their card yesterday so it should work normally

  • I cannot make payments to a Barclays credit card in the UK using Neat (invalid debit card number).

  • Cannot use the Neat card on

  • @JFA it's because Neat doesn't have 3D-secure, you get 3D-secure only with cards issued by big institutions like banks

  • @iris_neat
    what is the actual status on the topic of ctrip? i have tried to make a purchace lastnight (2017-06-14) via the ctrip app and the card was denied.

  • @cmdillon many of our customer use CTrip without any problem. However, CTrip seems to have some restriction when using China website (instead of Hong Kong website/app) on what cards can be used. For HK website everything works. I will send you an e-mail with some more details.

  • @iris_neat

  • Has anybody got luck with Taobao / Alipay / Alipay Wallet HK?

    I was about to buy something on Taobao directly using the card and it didn't work (forgot to note the exact error phrase but it was something like "Cannot process Payment")

    I decided then to use Alipay Wallet HK, with which you can use either cash or credit card to pay your purchase on Taobao but after I link the card on the app. When it comes to pay, I cannot choose the neat card because of "安全原因臨時凍結" or "card blocked / frozen for security reason"

    Any ideas / ways?


  • These sites do not accept neat cards

  • @houseofpaul I've just added these. For Digital Ocean & Vultr it seems you can pay through PayPal so I suggest you to link your Neat Card so you can pay that way.

  • I was refused yesterday on AirBNB. I tried three times, but got a message saying the information was not correct (and I checked three times that it was).

  • @bao_hongkong I suggest you to check with AirBnB in this case, as we haven't had any complaints before and have had quite a lot of transactions.

  • Thx, will do!

  • I Tried Uber this weekend with my Neat card and it worked. You can update the status I think :) !

    Also I tried to pay a transfer via Transferwise and it did not work (tried it this morning).

  • @franklinturtle for Uber it depends, some people can link it direclty and some will have to go through PayPal.

    Can you send us an email about TransferWise to If you are talking about sending money from HK, this is not supported by TransferWise, but it should definitely be fine to pay into our account from for example Europe if you use these bank account details:

  • Update on AirBNB: after some discussions, we found that the problem was apparently the postal code: by filling 000000 (6 zeros, not 5), I could finally register the card. Hope that helps someone.

  • Hi,

    Is there a limit to what we can pay with Paypal after we connected our Neat card to it ?


  • @franklinturtle No, if you have connected + verified there is no limit. To confirm your card PayPal takes HK$15 and you'll see a code with the transaction that you need to enter. You will get the money returned later. For unconfirmed cards PayPal does set some limits.

  • has anyone here tried booking on Expedia with Neat?

  • @Albert We definitely have customers that have used neat with Expedia. If you have any issues please contact us at

  • Hello, Has anyone tried online purchase on Urbtix? it does not seem like it's working.

  • for websites also does not accept my Neat card FYI guys.

  • @JFA said in Merchants that do not accept prepaid cards:

    Has anybody got luck with Taobao / Alipay / Alipay Wallet HK?

    I was about to buy something on Taobao directly using the card and it didn't work (forgot to note the exact error phrase but it was something like "Cannot process Payment")

    I decided then to use Alipay Wallet HK, with which you can use either cash or credit card to pay your purchase on Taobao but after I link the card on the app. When it comes to pay, I cannot choose the neat card because of "安全原因臨時凍結" or "card blocked / frozen for security reason"

    Any ideas / ways?


    I am having the same issue too.
    The card cannot work in Taobao or Alipay.

  • @bao_hongkong 其實neat可以在psn登記不需要連結paypal你只需要在持卡人姓名輸入neat不要輸入自己姓名就可以.....可能是neat沒有在mastercard系統登記你的姓名只是在mastercard系統登記了neat這個姓名..只是卡上印上你的姓名但沒有登記在mastercard系統

  • Is Neat supported on the PlayStation Network?
    My brother's card works on PlayStation but for me it says incorrect number any ideas what's wrong??

  • @elfenlied67

    By now 2018-10-26 , Coinbase still doesn't accept the Neat card

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