Money Network card constantly rejected for online purchases - EDD payment solution needed

omg YES!!! I thought it was just me! My Money Network card from EDD gets declined for almost every online purchase too. So frustrating!!!! Been dealing with this garbage for 2 months now. The stupid automated system is USELESS. I even tried calling at like 5am hoping to catch a real person but nope!!!

Yo this happened to me last year! For some reason, the card doesn't work with certain merchants that do extra verification steps. Try adding it to PayPal first, then use PayPal to check out. Worked for me after like 50 failed attempts trying direct card entry.

This is a known issue with Money Network cards. It's actually related to fraud prevention measures they implemented in 2024. The card gets flagged for online transactions because many unemployment benefits were targeted by scammers. Here's what you can do: 1. Call Money Network's dedicated line at 1-866-323-2322 (NOT the regular EDD number) 2. Press option 4, then 2, then 3 to bypass most of the menu 3. You need to specifically request for them to enable "CNP transactions" (Card Not Present) on your account 4. They'll need to verify your identity with additional questions After they enable this feature, wait about 4 hours before trying online purchases again. This solved it for me and many others in my situation.

I'm having the SAME issue but with my husband's disability card!!! Not even EDD unemployment and it STILL won't work online! Money Network is terrible. When I finally got through to someone they told me to just transfer the money out. Completely ignored my question about fixing the online purchasing!

If you're struggling to reach someone at Money Network, try using Claimyr (claimyr.com). It's not free, but they helped me get through to a live agent when I had issues with my card being frozen after a suspicious charge. Saved me hours of frustration and got my issue resolved in one call. They have a video demo of how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km

I use my EDD Money Network card for online shopping all the time with no issues. Maybe it's something with your settings? Did you verify your address on the Money Network website? Sometimes the billing address needs to match EXACTLY how EDD has it listed.

Just checking back - were you able to get through to Money Network using the number I provided? Did enabling CNP transactions fix your issue?

I've had a Money Network card for my EDD benefits for about 6 months now, and I discovered something important: they automatically block transactions from certain categories of merchants that are considered "high risk" for fraud. This includes many subscription services, digital goods, and some utility payments. If you're trying to use it for these types of purchases, you might need to specifically request that these merchant categories be unblocked. It's separate from the CNP issue that was mentioned. Here's another tip: if you're making a large online purchase (over $200), try splitting it into smaller transactions. For some reason, their system seems to flag larger online purchases more frequently.

update: i tried the advice about getting CNP transactions enabled and it WORKED!!!! omg ive been dealing with this for months!!! thank you thank you!!!!! wish EDD would actually TELL people about this instead of making us figure it out ourselves 🙄

This thread has been SO helpful! I've been having the exact same problem with my EDD Money Network card for the past month. Online purchases keep getting declined even though I have funds available. I tried the PayPal workaround but that didn't work for me either. @Arjun Patel thank you for sharing that specific phone number and menu navigation! I had no idea about CNP transactions being a thing. I'm definitely going to try calling 1-866-323-2322 tomorrow and asking them to enable CNP transactions on my account. @Yara Campbell that's interesting about the merchant categories being blocked. I wonder if that's why my utility bill payment keeps getting rejected even though it's a legitimate company. I'll ask about that too when I call. It's so frustrating that Money Network doesn't explain any of this stuff upfront. Like why wouldn't they tell us about these restrictions when we activate the card? Anyway, fingers crossed this finally solves my problem!

OMG I've been dealing with this EXACT same issue for the past 3 weeks! My Money Network card gets declined for literally every online purchase I try to make. I can use it at stores and ATMs just fine, but online it's like the card doesn't even exist. I've tried calling the customer service number on the back of the card probably 15 times and just get stuck in that horrible automated system that never connects you to a real person. It's beyond frustrating when you're trying to pay bills and buy necessities online! Reading through all these responses is giving me so much hope though. I had NO idea about the CNP transactions thing or that there were specific merchant categories being blocked. This makes so much sense now! @Arjun Patel I'm definitely going to try calling that 1-866-323-2322 number tomorrow with those exact menu options. Thank you for sharing such detailed instructions - this is exactly what I needed to know! Has anyone else noticed if certain types of online purchases work better than others? I'm wondering if it's worth trying smaller retailers vs big sites like Amazon while I'm waiting to get this CNP thing sorted out.

I'm going through this nightmare right now too! My EDD Money Network card worked fine for the first month but then suddenly started getting declined for every single online purchase. I've been trying to pay my phone bill and internet bill online for two weeks now and it's so embarrassing having to ask family for help. The worst part is that Money Network's customer service is basically non-existent. I've called at least 20 times and never gotten through to an actual person. Just that stupid automated system that asks you to enter your card number over and over again! @Arjun Patel you are literally a lifesaver for sharing that specific phone number and menu path! I had no clue about CNP transactions being a thing. I'm calling 1-866-323-2322 first thing tomorrow morning. Hopefully this finally fixes my issue because I'm at my wit's end here. Thank you to everyone who shared their experiences - it's such a relief to know I'm not the only one dealing with this frustrating problem!

This thread is incredibly helpful! I've been struggling with the exact same issue for about 6 weeks now. My EDD Money Network card works perfectly fine at physical stores and ATMs, but gets rejected for literally every online purchase I try to make. I've been going crazy thinking there was something wrong with my account or that I was doing something wrong. @Arjun Patel thank you SO much for sharing that specific phone number (1-866-323-2322) and the menu navigation steps! I had absolutely no idea about CNP transactions or that this was even a thing that could be enabled/disabled. This explains everything! I'm definitely calling tomorrow morning and asking them to enable CNP transactions on my account. It's honestly ridiculous that Money Network doesn't inform cardholders about these restrictions upfront. Like, how are we supposed to know that we need to specifically request certain features to be enabled? The whole system seems designed to make things as difficult as possible for people who are already dealing with unemployment stress. Reading everyone's success stories after getting CNP enabled gives me so much hope. I really need to be able to pay some bills online this week, so fingers crossed this finally solves the problem!

This whole thread has been such an eye-opener! I've been having the EXACT same problem with my EDD Money Network card for the past 2 months. Online purchases get declined constantly but it works fine everywhere else. I was starting to think my card was defective or something! @Arjun Patel you're amazing for sharing that specific phone number and menu path! I had zero clue about CNP transactions being a thing. I've probably wasted 10+ hours calling the regular customer service line and getting nowhere with that awful automated system. I'm definitely calling 1-866-323-2322 tomorrow and asking them to enable CNP transactions. It's so frustrating that they don't explain any of this when you first get the card - like why is online purchasing basically disabled by default?? That should be clearly stated somewhere! @Yara Campbell that info about merchant categories being blocked is super helpful too. I bet that's why my streaming service payments keep getting rejected even after I transfer money specifically for them. Thanks everyone for sharing your experiences - this community is seriously a lifesaver when dealing with EDD/Money Network issues!

Wow, I'm so glad I found this thread! I just got my EDD Money Network card last week and I'm already running into this exact same problem. Every online purchase gets declined even though I have plenty of funds available. I was getting so frustrated thinking I was doing something wrong! @Arjun Patel that phone number and menu navigation info is pure gold - thank you for sharing those specific steps! I had no idea about CNP transactions or that online purchases were basically disabled by default. It's honestly crazy that Money Network doesn't explain any of this when they send you the card. Like, shouldn't there be some kind of instruction sheet that mentions "hey, if you want to shop online, you need to call and enable this feature"?? I'm definitely calling 1-866-323-2322 tomorrow morning and asking them to enable CNP transactions. Really hoping this solves my issue because I need to pay some bills online and set up a few subscription services. Thanks to everyone who shared their experiences here - this community is seriously helping people navigate these confusing systems when the official customer service is basically useless!

This thread has been incredibly helpful! I've been dealing with this exact same Money Network card issue for about a month now - online purchases constantly getting declined while the card works perfectly fine everywhere else. I was starting to think I was the only one having this problem! @Arjun Patel thank you SO much for sharing that specific phone number (1-866-323-2322) and the detailed menu navigation steps. I had absolutely no clue about CNP transactions or that this was something that needed to be manually enabled. It's honestly ridiculous that Money Network doesn't explain any of these restrictions when they first issue the card. I'm definitely calling tomorrow morning to get CNP transactions enabled on my account. It's such a relief to finally understand what's causing this issue and to know there's actually a solution. I've probably wasted 15+ hours trying to reach customer service through the regular number and getting stuck in that horrible automated loop. @Yara Campbell your info about merchant categories being blocked is super valuable too - that probably explains why some of my utility payments keep getting rejected even though they're legitimate companies. Thanks to everyone who shared their experiences and solutions here. This community is honestly more helpful than Money Network's actual customer service!

This thread is absolutely amazing - thank you everyone for sharing your experiences! I just got my EDD Money Network card two weeks ago and I'm already hitting this exact same wall with online purchases. Every single attempt gets declined even though I can see my balance is fine and the card works perfectly at stores and ATMs. @Arjun Patel you're literally a hero for posting that specific phone number and menu sequence! I had zero idea that CNP transactions were even a thing or that online purchases were essentially disabled by default. It's honestly insane that Money Network doesn't include this information when they send out the cards - like how are people supposed to know about these hidden restrictions? I tried the regular customer service number probably 12 times over the past week and just kept getting trapped in that endless automated loop. So frustrating when you're already stressed about unemployment and then you can't even use your benefits properly! I'm definitely calling 1-866-323-2322 tomorrow morning and asking them to enable CNP transactions. Really hoping this finally solves my problem because I need to pay my car insurance and phone bill online this week. Thanks again to everyone who took the time to share detailed solutions instead of just venting (though the venting is totally justified too!). This community is seriously more helpful than the actual Money Network customer service!

I'm having this EXACT same issue! My Money Network card has been getting declined for every online purchase for the past 3 weeks. It's so frustrating because I can use it fine at physical stores and ATMs, but online it's like the card doesn't exist. @Arjun Patel THANK YOU for sharing that specific phone number and menu path! I had no idea about CNP transactions or that online purchases were basically disabled by default. I've probably called the regular customer service line 20+ times and just get stuck in that awful automated system that never connects you to a real person. I'm definitely calling 1-866-323-2322 tomorrow morning and following those exact menu steps to get CNP transactions enabled. It's honestly ridiculous that Money Network doesn't explain any of these restrictions when they send you the card - how are we supposed to know about all these hidden settings? Really appreciate everyone sharing their experiences and solutions here. This thread has been more helpful than hours of trying to reach actual Money Network customer service! Fingers crossed this finally fixes my online purchasing nightmare.

Just wanted to give an update for anyone still struggling with this issue! I called the 1-866-323-2322 number that @Arjun Patel shared yesterday morning and it WORKED! I used the menu sequence (option 4, then 2, then 3) and actually got through to a real person after about 15 minutes on hold. The representative knew exactly what I was talking about when I mentioned CNP transactions and was super helpful. They asked me a few verification questions (SSN, address, mother's maiden name) and then enabled the feature on my account. They said to wait 4-6 hours before trying online purchases. I tested it out this morning and successfully made three different online purchases - Amazon, my electric bill, and a subscription service that had been getting rejected for weeks! I'm so relieved to finally have this working properly. For anyone still dealing with this: definitely try that specific phone number and ask for CNP transactions to be enabled. It's frustrating that Money Network doesn't make this information easily available, but at least there IS a solution. Thanks again to everyone who shared their experiences in this thread - you literally saved me from weeks more of frustration!

This thread has been a lifesaver! I've been dealing with this exact Money Network card issue for about 5 weeks now. Online purchases constantly getting declined while the card works perfectly fine at physical stores and ATMs. I was starting to think there was something seriously wrong with my account or that I was somehow flagged as fraudulent. @Arjun Patel you are absolutely amazing for sharing that specific phone number (1-866-323-2322) and those detailed menu navigation steps! I had zero clue about CNP transactions or that online purchasing was essentially disabled by default. It's honestly mind-blowing that Money Network doesn't include ANY of this crucial information when they mail out the cards. Like, shouldn't there be some kind of welcome packet that says "hey, if you want to shop online, call this number and enable this feature"?? I've probably wasted 20+ hours over the past month calling the regular customer service line and getting stuck in that nightmare automated system that just loops you around forever. So incredibly frustrating when you're already stressed about unemployment and then you can't even access your own benefits properly online! Reading through all these success stories from people who got CNP transactions enabled gives me so much hope. I'm definitely calling tomorrow morning and following those exact steps. I really need to pay my internet bill and renew my car registration online this week, so fingers crossed this finally solves my problem! Thanks to everyone who took the time to share their detailed experiences and solutions instead of just venting frustration. This community is honestly more helpful and informative than Money Network's actual customer service department!

This whole thread has been incredibly eye-opening! I just got my EDD Money Network card about 3 weeks ago and have been pulling my hair out trying to figure out why every single online purchase gets declined. I can withdraw cash at ATMs just fine and use it at grocery stores, but online it's like the card is completely worthless. @Arjun Patel you're a absolute legend for sharing that specific phone number and menu sequence! I had NO idea that CNP transactions were even a thing or that online purchases were basically turned off by default. It's completely insane that Money Network doesn't explain any of this when they send you the card. Like seriously, how are we supposed to know about all these hidden features and restrictions?? I've been calling the regular customer service number for weeks and just getting trapped in that horrible automated system that goes nowhere. It's so frustrating when you're already dealing with unemployment stress and then you can't even use your benefits to pay bills online! I'm definitely calling 1-866-323-2322 first thing Monday morning and asking them to enable CNP transactions on my account. Reading all these success stories gives me so much hope that this nightmare will finally be over soon. Thanks to everyone who shared their experiences and solutions here - this community has been way more helpful than Money Network's actual customer service!

I'm having this EXACT same problem! Just got my EDD Money Network card 3 days ago and I'm already hitting this wall with online purchases. Every single transaction gets declined even though I can see my full balance when I check online. Works fine when I use it at the grocery store or gas station, but online it's like the card is completely useless. @Arjun Patel thank you SO much for sharing that specific phone number and those menu steps! I had absolutely no clue about CNP transactions or that online purchasing was disabled by default. It's honestly crazy that they don't include ANY information about this when they mail you the card. Like why wouldn't they mention "hey, if you want to use this online, you need to call and enable a feature"?? I tried calling the number on the back of my card yesterday and got stuck in that automated hell for over an hour before giving up. So frustrating when you're trying to pay your phone bill and it just won't work! I'm definitely calling 1-866-323-2322 tomorrow morning with those exact menu options. Really hoping this fixes everything because I need to pay several bills online this week and set up some recurring payments. Thanks to everyone sharing their experiences here - this thread is literally more helpful than Money Network's actual customer service!