Debit/Credit Card Top-up Failure

I have just tried to top-up with my Debit/Credit card but the payment did not go through! What can I do about this? 

There are a few things we can look into when a payment has failed to be charged.

Have a look at the following checklist and find out what went wrong and what you could do as an alternative! 

  1. Are you currently banking with a smaller bank?
  2. Try using a different Debit/Credit card.
  3. Need to update your 4 digit security code? 


Are you currently banking with a smaller bank?

Banks with a small bank license can provide basic banking service of acceptance of deposits and lending. The aim behind establishing a small bank is to provide financial inclusion to sections of the economy not being served by other banks such as smaller business units and smaller industries.

New Zealand Credit Union (NZCU)
Heartland Bank
SBS Bank

*Please note that this list only covers small banks that we know of thus far


Try using a different Debit/Credit card

If you've tried to use your Debit or Credit card to top-up your Skinny mobile account but received an error message, check your card statement to find out if a payment was charged.

If you are sure you've entered the information correctly, please call the card company to find out what they have on file.

Sometimes, after receiving a new card, the information may take longer to be updated for usage.


Need to update your 4 digit security code? 

Your credit card registration code also known as "security code" is a 4 digit number that you create when you register a stored credit card or debit card online on

It's NOT the same as the PIN for your credit card, and for security reasons you should choose a different number. It is also not the same as the CVN or Verification Number on your card.

You will be asked for this number when you want to make payments with a stored card on the website, Skinny Mobile Menu, or when calling us to Top-up on our Interactive Voice Response (Dial 204 on your Skinny phone) service, Skinny app, or through 2424.

Having this number set up means you don't have to enter all your card details every time you want to Top-up.

If you forget your credit card registration/security code, simply re-register your credit card online and select a new registration/security code.



Article ID: 666
Created On: Tue, Sep 25, 2018 at 4:26 PM
Last Updated On: Tue, Sep 25, 2018 at 4:27 PM

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