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Why won’t Temu Official Site accept my credit or debit card?

Shopping on Temu with a credit or debit card is very easy: just enter the name of the cardholder, the card details and that’s it, in a few minutes your order is done.

But sometimes it can fail. Want to know why? Today we are going to explain the most common reasons and how to solve every issue.

Error when paying with a credit card in Temu

Usually, the error appears just after adding your card details: a message in Temu warns you that the payment could not be processed and has been rejected. A message signaling that an unexpected error has occurred during the authorization process will show up and offer you to switch your payment method or change your card data.

These are the most common reasons for the error:

Incorrect data

If you enter the card data but fail to properly type in any of them (either the card number, expiration date or CVV security code), the payment will not be processed. Nowadays, payment management programs can detect if there is any card data that does not match. In this case, the solution is to re-enter the data.

Problems with the card

It may also be that there is a problem with the card, the most common issue is that you do not have enough balance and therefore the purchase can not be managed. To fix this, you just have to access your bank and see if there is a problem with your card. In case there you find nothing wrong, read on because the problem is no longer up to you.

Temporary failure

All online stores can have temporary problems, especially in times of high volume of orders when there are many people buying at once and the payment systems are collapsed. In this case, we recommend you to wait a bit before trying to pay for your order again.

Security error

Temu may block the payment of an order if it detects that the data does not match. Usually, you are asked to place the order again, and you will receive a message explaining the situation and offering you a refund that will be added to your account in a 7 to 14 working days process, depending on your bank.

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If you talk to a Temu agent through the chat, they may ask you to verify your identity with a photo of your identity card and a photo of your credit card.

Although Temu is a trusted site, you may not want to provide these documents, so if you want to avoid personal data, here are some alternatives to pay by credit or debit card.

What to do if you can’t pay by card on Temu

These are the best alternatives if you can’t pay with your card at Temu.

Pay with a credit card through PayPal

The best alternative is to use PayPal, the popular platform to pay online securely and easily. You can use PayPal as a payment method on Temu even if you are not registered, you just have to add your card details, and it will be charged to your account.

We recommend you to register with PayPal: it is a payment method accepted by many online stores and allows you to pay with your credit or debit card, but also with a bank account. In addition, if you have a problem with a purchase, they can hold the payment or even handle an incident with the store.

Delete the basket and buy again

Sometimes we leave products in the basket for a while before buying. Sometimes, when managing the purchase and paying, it appears that the order cannot be managed. In this case, it is an error of the platform.

The solution is to remove all items from the basket, add them again and manage the purchase. In order not to forget anything, write down the codes of the products to add them again.

Check with your bank

If you have made several payments with the wrong data, it is possible that your bank may block your card for security reasons. This happens when you put the wrong password and insist several times to make your purchase, it will not let you pay either with PayPal or directly with your card in Temu.

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The only solution is to talk to your bank because they will have blocked your card and you will not be able to make any online purchases. Some banks have 24/7 customer service.

Contact Temu

Finally, remember that Temu has very efficient customer service. They will answer all your doubts and questions through their chat or by message.


1. Can I Return Any Product I Bought on Temu?

Almost all items you bought on Temu are eligible for return and refund if you are not satisfied with them, with just a few exceptions:

– Clothing items that are worn, washed, damaged, with tags, packaging or hygiene sticker removed or in incomplete set

– Items that are labelled as non-returnable

– Free gifts

2. How Long do I Have before Making a Return?

If an item is eligible for return and refund, you may return it within a return window of 90 days after the day of purchase. You are required to send back your return package within 14 days after you submit your return in the return window. You may not return an item after the 90-day window expires.

3. Do I Need to Pay for Return Shipping?

Return shipping is free on your first return for any order. When you make a return, please follow the steps set out in section 4 below. If you have already made a return of items from an order and would like to return additional items from that order, you can still do it as long as the 90-day window has not expired, in which case you can use the return label we provided and pay a $7.99 shipping fee, which will be deducted from your refund.

4. How do I Make a Return?

You can make a return by following the steps below:
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1. Sign into your account.

2. Find the relevant order in “My Orders” and click the “Return Order” button.

3. Select the item(s) you would like to return and the reason for return. Depending on the reason you selected, you may be required to provide further information related to the order. After you provided the required information, click “Next Step” button to proceed.

4. Select the return method and click “Submit”. Click “Print” to print the label and tape the return label on the outside of your return package.

5. Mail out the package at your nearest USPS or UPS office.

Please make sure it is postmarked within 14 days after you submit your return, otherwise your return would be closed. The return label we provide only works if you are shipping within the contiguous United States .

5. Where can I Find the Return Label?

You can find your return label at “My Orders” → “Returns”. You may click “Print Return Label” to download your return label.

6. Refunds

– We will process your refunds within 7 days after we receive the return package from you. Depending on your financial institution, refunds can take up to 14 days to be credited to your original payment method.
– The original shipping fee is not refundable if your return is not a result of a Temu’s error. The insurance costs, if any, are also non-refundable.

7. Important Notice:

– The sender’s address on your package is NOT the return address. If you send the return package to that address, the processing time for your return may be delayed. You should only send the return package to the address on the return label we provide.
– Please make sure you don’t accidentally include any item in your return package that you do not wish to return. We will not be responsible for sending back those items to you.
If you have any questions about making a return or this policy, please email us at [email protected].

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