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It may be that your card is working fine and transmitting your information, but the credit card issuer is declining the transaction. There are many reasons why your credit card may be declined, from a transaction that goes over your credit limit to purchases in a location where you don't normally shop.

You can use your Discover Card to shop online at retailers like Amazon.com3, order food from local restaurants, pay for subscriptions like streaming services, donate at charity websites, and add it to digital wallets like Apple Pay and Google Pay, store in payment services such as PayPal4, and much more.

Discover uses multiple resources to confirm income and employment status: To verify income: Documents like recent pay stubs or bank statements can serve as income verification. In certain situations, we may use third-party vendors to confirm that information.

A contactless debit card from Discover helps you make fast, easy, and secure payments at checkout where contactless payments are accepted. Easy?Simply tap your Discover Debit Card at merchants nationwide where contactless payments are accepted.

One major national chain outlet that doesn't accept Discover at any outlets is Costco, which only honors one credit card brand at its members-only warehouse stores, tire centers and gas stations. In 2016, Costco ended a 16-year partnership with American Express, and it currently accepts only Visa cards.

Here's how it works: You perform an activity that triggers Enhanced Account Verification and will be momentarily redirected to confirm your identity. Choose to receive your verification code via text, phone call or email. Enter your code to successfully complete your activity.

Vendors must sign a merchant agreement (contract) to have payments processed. MasterCard and Visa have blanketed the world with their agreements and reduced fees. Discover, being a much newer company, and American Express, being a more expensive one to do business with, are therefore not as widely accepted.