You may have run into occasions where your Dasher Direct card does not work or is declined when you’re trying to carry out a transaction.
If this is the case with you, then you have come to the right place for solutions.
We are going to present to you well-researched reasons why the Dasher Direct card may stop working and provide proven fixes to resolve the issue and get your Dasher Direct card working again.
Why is Dasher Direct Card Not Working?
1. Card Not Activated
This may seem rather obvious but if your Dasher Direct card is not working then the first thing to consider, especially if you have just received the card and have not used it for the first time, is that the card may not yet be activated.
When you receive your Dasher Direct physical card, it does not come preactivated unlike your bank debit and credit cards. When you receive the Dasher Direct card, you need to activate the card yourself. If you do not do this, you will not be able to use the card to perform any transactions on any platform.
Follow the steps below to activate your Dasher Direct card and have it functioning normally for you.
If you haven’t logged into your DasherDirect mobile app yet:
1. Install the DasherDirect app and tap ‘Get Started’
2. Follow the instructions until prompted to activate your card
3. Scan the square QR code on the front of the instructions that came with your DasherDirect card, or manually enter the card’s last 4 digits and expiration date (MM/YY)
4. Create a PIN for your new Dasher Direct card – remember to keep your PIN secure, do not write it down or share it with anyone.
If you have already logged into the DasherDirect app:
1. From the main menu, tap ‘Manage card’ and then tap ‘Activate your card’
2. Manually enter the card’s last 4 digits and expiration date (MM/YY), or scan the square QR code on the front of the instructions that came with your DasherDirect card.
3. Create a PIN for your Dasher Direct card – remember to keep your PIN secure, do not write it down or share it with anyone.
If you are yet to receive your physical card, you can also use your virtual Dasher Direct card to carry out transactions on the Dasher Direct app and other platforms. To view your virtual card:
1. Tap on manage card
2. Then tap on view virtual card
3. Here, you can view details of your virtual card and use it to temporarily carry out transactions on Dasher Direct while waiting for your physical card or waiting for a fix for the physical card issues.
Please note that the Dasher Direct virtual card stops working immediately when you activate the Dasher Direct physical card.
2. Dasher Direct Pre-Authorization Issues
There are times when you want to pay for a service or product using your Dasher Direct card, and you get a Declined or receive an insufficient funds error message even though you have enough funds in your Dasher Direct account to pay for the transaction.
When this happens, it is likely due to something called Debit Pre-authorisation Hold on the Dasher Direct card.
What this means is that a certain amount is held as a lien from your Dasher Direct account, which will be released only when the transaction has been settled between Dasher Direct and the payment service provider.
For example, if you want to use your Dasher Direct card to pay for gas at a gas station, the pre-authorization amount is about $75.
So if you want to buy gas of, say, $10, you would need to have at least $85 in your Dasher Direct card because $75 from the amount will be held for pre-authorization.
So if you did not have up to the $85, you are likely to receive a payment declined or insufficient funds error message.
When you use your card to purchase goods or services or to obtain cash from a merchant, the merchant may attempt to obtain pre-authorization from DoorDash for the transaction.
If the merchant makes such a request, DoorDash will place a hold on your account balance for the amount of the pre-authorization request, which may vary in some cases from the amount of the actual purchase, depending on the merchant.
This hold may affect the availability of funds in your DoorDash account balance and result in a hold for the number of funds for up to 30 days.
If you use your card at an automated fuel dispenser, the merchant may pre-authorize the transaction amount up to $75 or more. The pre-authorization hold will be released once the merchant submits the transaction for settlement.
Furthermore, if you use your card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may pre-authorize the transaction amount for the purchase amount plus up to 20% or more to ensure that there are sufficient funds available to cover tips or incidental expenses that may be incurred.
During the pre-authorization hold period, you will not have access to the pre-authorized amount.
Unfortunately, DoorDash states that they will not be responsible if any transactions are not completed because of the hold.
Also, if the pre-authorization request varies from the amount of the actual transaction, DoorDash will debit the actual transaction amount from your account balance, even if this results in your account balance becoming negative.
Fix 1 – Go in the store or have enough funds to cover the applicable pre-authorization holds
If, as in the example given above, you receive the declined error at a gas station, you simply need to go into the gas station store and pay the store. The pre-authorization restriction only applies when you are paying at the gas pump’s automated point of sale.
When you go into the store and pay using their POS terminal, you will be able to pay for the exact amount that you require without having to pay for the pre-authorization fee.
If you are trying to conduct other transactions, such as using your Dasher Direct card at a restaurant, in a car rental purchase, or similar purchases, you would simply have to have enough funds to cover both the amount of the transaction and the 20% pre-authorization hold in order for the transaction to be successful.
If you do not have such an amount, you will receive a Declined, Insufficient Balance, or similar error message.
3. You’re Choosing the Wrong Payment Method
If you are trying to use the Dasher red card instead of the Dasher Direct Visa card to make payments, then you need to bear in mind that the Dasher red card is actually a credit card that you can only use to pay for some DoorDash orders.
When a card is required, the Dasher Direct app will ask you to pay either with the red card or place an order. When you choose to pay with a red card, you need to make sure that you select credit and not debit.
This is because, as we stated earlier, the Dasher red card is a credit card and does not come with a pin. If you select debit, you will get error messages like declined or insufficient balance for the transaction on your Dasher red card.
Furthermore, in order to use your Dasher red card to complete transactions successfully, you need to make sure that you have properly set up the red card using the steps below:
Setting up Red Card on iOS:
1. In the Dasher app, tap Account
2. On the top of the next page, tap the red-colored link that states Did DoorDash give you a payment card.
3. Enter your new card’s delight number and last 4 digits
Setting up Red Card on Android:
1. Tap the Menu icon located in the top left corner and select Red Card from the dropdown
2. Enter your new card’s delight number and last 4 digits
As a matter of fact, this also applies if you’re using the Dasher Direct Visa card. We have found that when you are trying to pay using the Dasher Direct Visa card, selecting debit will result in a declined error message most of the time.
Therefore, to complete your transactions without hassle, you always need to select the credit option to use your Dasher Direct card as a credit card and complete your transactions successfully.
4. You’re Not Using A No-fee ATM
With the Dasher Direct card, you can withdraw cash for free with access to over 20,000 no-fee ATMs all over the country. This means that you can withdraw money from these no-fee ATMs without needing to pay any charges from your Dasher Direct account.
So if you are certain that you have the amount that you want to withdraw from the ATM and you are getting a declined or insufficient funds error message, then it is possible that the ATM you’re using is not a no-fee ATM booth, and you do not have enough funds to cover for the ATM charges.
5. You Really Have Insufficient Funds or Have Exceeded Limits
You may already know that you can use your data Direct card to pay bills, send funds, and add other Direct deposit or cash onto your card.
However, limits and fees for these transactions sometimes apply on your Dasher Direct card.
Therefore, if you are getting a declined or insufficient error message, it is possible that you do not have enough funds in your Dasher Direct card to both complete the transaction and pay for the charges associated with the transaction.
Also, if you are performing a transaction that is over the limit allowed on your Dasher Direct card, you will get a declined error message for the transaction.
The charges and limits are outlined in the tables below:
|Card purchase||No fee||No fee charged for your first Dasher Direct business prepaid Visa card|
|Monthly Service Fee||No Fee||No monthly fee is charged to maintain your DasherDirect Business
Prepaid Visa Card.
|Cash Deposit through the Green
Dot Financial Network
|No Fee||This is the Dasher Direct fee. Authorized third-parties may charge fees of up to $4.95
(fees subject to change) when reloading your card at Green Dot reload
agents. Locations may be found at https://www.attheregister.com.
|Bill Payment with Paper Check||$1.00 per check
|Bill pay transactions will be completed within approximately ten (10)
days if we have to mail a check to pay your bill.
|ATM Withdrawal – In Network||No-fee or $2.50
by the Bank.
|“In-network” refers to Allpoint ATMs. No-fee and low fee ATMs can be
found using the locator in the DasherDirect App.
|ATM Withdrawal – Out of Network
(includes international ATMs)
by the Bank. ATM
owners may charge
|This is the Dasher Direct fee. “Out-of-Network” refers to all non-Allpoint ATMs. If you
use an ATM for any transaction outside of the Allpoint network, you may
be charged an additional fee by the ATM owner even if you do not
complete a withdrawal. This ATM fee is a third-party fee amount
assessed by the individual ATM operator only and is not assessed by
the Bank. This ATM fee amount will be charged to your Card Account
|Foreign Transaction Fee||3% of the
|This is the Dasher Directfee. You may also be charged a fee by any retailers or
financial institutions involved in your transaction.
|Inactivity Fee||$2.50 per month||A Monthly Inactivity Fee of $2.50 per month will be deducted from the
Card balance following twelve (12) consecutive months of inactivity, until
the balance is reduced to $0. The Monthly Inactivity Fee can be
avoided by making regular purchases with the Card and using the Card
in full (activity includes ATM withdrawal, instore or online purchase,
ACH, or a load and excludes fees or Card Account adjustments).
|ACH Error Fee||$5.00||Per occurrence if an ACH Debit initiated from the DasherDirect App is
returned (e.g. for incorrect receiver account information or trying to send
funds to a closed account)
|Balance Refund Check Fee||$3.00||Per paper check requested|
|Replacement Card||$5.00||Per replacement card ordered|
|Type||Limit per day||Limit per month|
|Maximum account balance||$25000||$25000|
|Direct deposits from DoorDash||$5000||$20,000|
|Direct deposits initiated from an outside financial institution||$20,000||$25000|
|ACH debit initiated from the Dasher Direct app to another bank account||3 transfers up to $2000||30 transfers up to $5000|
|ATM withdrawals||5 ATM withdrawals up to $1,000||150 withdrawals up to $5000|
|Online or telephone purchases||10 purchases up to $5000||120 purchases up to $15,000|
6. Out-of-date Dasher Direct App
If you are trying to carry out a transaction using your Dasher Direct application when you encounter any error messages, it is likely that your Dasher Direct application is out of date.
DoorDash are constantly releasing updates for the Dasher Direct application in order to fix the common bugs that users encounter when using the application to carry out transactions.
If you’re having error messages when trying to complete a transaction on the Dasher Direct app, it is possible that your Dasher Direct app requires an update to function properly.
Therefore you need to make sure that your Dasher Direct up is always up-to-date using the steps below:
1. Open your phone’s application store
2. Search for Dasher Direct in the search bar and select it from the results
3. Click on Update at the top right of the screen to update the Dasher Direct app
To make sure that your applications are automatically updated:
1. Open settings on your iPhone
2. Scroll down and select App Store
3. Under automatic downloads, you will see App Updates. Toggle to turn on automatic app updates
Also, under Mobile Data, you can toggle to turn on automatic downloads so that your applications are updated even when you are not using Wi-Fi
1. Open Play Store and tap on your name at the top right corner of the screen
2. Select Settings from the options
3. Then tap on Network Preferences
4. Under Auto Update Apps, select Over Any Network