Understanding SolCard Cancellation Policies
SolCard aims to provide a reliable and secure experience for every cardholder. While cancellations are rare, there are certain situations where your card may be permanently deactivated and your balance frozen. These rules are set by our issuing partners and are automatically enforced.
When Can a SolCard Be Cancelled?
1. Transactions at Blocked Merchants (Mastercard Online only)
Any attempt to use your Mastercard Online at a blocked merchant will result in immediate and permanent cancellation. Full Access cards will have the transaction declined but will not be immediately cancelled.
See the full list here: Prohibited Merchants & Blocked Transactions
2. Prohibited Merchant Category Codes (Mastercard Online only)
Certain MCCs are flagged as high-risk (e.g., gambling, cash, money transfers, escort services, political or religious organizations). Transactions under these MCCs result in immediate cancellation for Mastercard Online cards.
The full prohibited MCC list is available in the Prohibited Merchants & Blocked Transactions article.
3. Abusive or High-Risk Usage Behavior (Mastercard Online only)
The following behaviors trigger automatic cancellation for Mastercard Online cards:
10 consecutive declines due to insufficient balance
A decline rate above 20% (more than 1 in 5 transactions failing)
Usage of any blocked merchant
What Does Not Lead to Cancellation
A single insufficient balance decline or mistyped transaction will not cancel your card
One accidental attempt at a blocked merchant usually results in a decline, but repeating it may lead to cancellation
How to Avoid Cancellation
Check merchant eligibility before paying. If unsure, contact support before making a purchase
Keep your balance topped up to avoid repeated declines
Use your card responsibly and avoid testing prohibited merchants
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