Why Won’t Instacart Accept My Card?

Instacart 1

Instacart, a popular online grocery delivery service, offers a convenient way for customers to shop for groceries from the comfort of their home. However, some users may encounter issues when trying to make a payment, specifically with their cards being declined. If you are one of those users wondering, “Why won’t Instacart accept my card?”, this comprehensive guide will help you understand the possible reasons and solutions.


Instacart may not accept your card for several reasons such as your card being unsupported, expired, having insufficient funds, or incorrect card information being entered. Additionally, your card issuer may flag the transaction as suspicious leading to a decline. If your card is declined, re-enter your card information, contact your bank or Instacart’s customer support. Always ensure that your card is valid, has sufficient funds, and the card information entered is correct.

Common Reasons for Card Decline

There could be several reasons why Instacart is not accepting your card. Here are some common reasons:

Unsupported Card

Instacart accepts all major credit and debit cards from the United States and Canada, along with Google Pay, Apple Pay, Klarna, and EBT cards at participating stores. However, they do not accept prepaid credit cards, store gift cards, or international payments. If your card falls into one of these unsupported categories, it will be declined.

Expired Card

If your card has expired, it will not be accepted by Instacart. Always ensure that your card is valid and not expired when making a purchase.

Insufficient Funds

Your card may be declined if there are not enough funds in your account to cover the purchase. Always ensure that you have sufficient funds in your account before making a purchase.

Incorrect Card Information

Ensure you have entered the correct card information and billing address when adding your payment method on Instacart. A typo or incorrect information can lead to a declined transaction.

Fraud Detection

Your card issuer may flag the transaction as suspicious, especially if it’s a large purchase or if it’s made from a different location than usual. This can lead to a declined transaction.

What to Do If Your Card Is Declined

If you’ve checked all the above factors and your card is still being declined, here are some steps you can take:

Re-enter Your Card Information

Remove the declined card from your account and add it again. Ensure all the information you enter, including the card number, expiration date, CVV, and billing address, is correct.

Contact Your Bank

Reach out to your bank to ensure there are no issues with your card or account. Sometimes, the bank might block transactions due to security reasons, and contacting them can help resolve the issue.

Contact Instacart Customer Support

If the problem persists, consider reaching out to Instacart’s customer support. They can be reached via phone at 1-888-246-7822 or through their Help Center.

Common Error Messages

Users often receive error messages when their card is declined. Some common error messages include “Do Not Honor,” “Invalid Card Number,” “Re-enter,” “No Reply/Response,” “Insufficient Funds,” “Invalid Card Security Code,” “Invalid Credit Card Number,” “Invalid CVV,” “Invalid Expiration Date,” and “Expired Card.” Understanding these error codes can provide insights into why the transaction was declined.

Geographic Restrictions

Geographic restrictions can also affect card acceptance on Instacart. For instance, Instacart does not accept green cards for orders in certain states or for orders from certain retailers. Always check the specific payment methods accepted in your location and for the retailer you’re ordering from to ensure a smooth transaction.

To avoid future card-related issues on Instacart, keep your account information up-to-date, ensure you have sufficient funds or credit limit, use strong, unique passwords, monitor your account for suspicious activity, be cautious with personal information, double-check your order before placing it, and consider using a credit card for better fraud protection.


While it can be frustrating when your card is declined, understanding the potential reasons and solutions can help you navigate this issue. If you continue to experience problems, don’t hesitate to contact Instacart’s customer support for assistance. Remember, the key is to keep your information updated, secure, and to be aware of the payment methods accepted by Instacart.

Frequently Asked Questions

Can I use multiple payment methods for a single order on Instacart?

No, currently Instacart only allows one payment method per order. You cannot split the cost of an order between multiple cards or payment methods.

What happens if my card is declined after my order has been placed?

If your card is declined after the order has been placed, Instacart will attempt to contact you to update your payment information. If they cannot get in touch with you, your order may be cancelled.

Can I use PayPal as a payment method on Instacart?

No, currently Instacart does not accept PayPal as a payment method. They accept all major credit and debit cards from the United States and Canada, along with Google Pay, Apple Pay, Klarna, and EBT cards at participating stores.

Are there any transaction fees when using a credit card on Instacart?

No, Instacart does not charge any transaction fees when you use a credit card. However, your credit card provider may charge fees, such as international transaction fees if applicable.

Can I use a prepaid debit card for my Instacart purchases?

No, Instacart does not accept prepaid credit or debit cards. They do accept all major credit and debit cards from the United States and Canada, along with Google Pay, Apple Pay, Klarna, and EBT cards at participating stores.

Leave a Comment

Your email address will not be published. Required fields are marked *