Do you regularly or occasionally receive an error message like Declined Card Transaction: DCC Restriction when trying to make a payment with your MasterCard, Visa Card online, if yes I will tell you the main reason why you are getting the error and the possible solution to such problems.

I understand how frustrated you might feel when you try several times to pay for something that you really need and yet you keep getting an error "Declined Card Transaction: DCC Restriction" but don't worry I have discovered the main reasons why you are finding it hard to complete your transactions online on some websites but since I have discovered the reasons, finding the solution will not be a problem.


Online transactions have become more desiring and convenient to many Nigerians that we now pay for product and service inside and outside Nigeria using recommended Naira Debit cards such as MasterCards, Visa Cards etc.

I personally buy most of the things I use online and I have also experienced an error such as

" Dear Valued Customer "

Declined Card Transaction : DCC Restriction .

Thank you for using your GTBank Naira MasterCard. Please be informed that your transaction with the details below could not be completed because you have selected the DCC payment option (Dynamic Currency Conversion) that allows you to pay in Naira, which has been temporarily restricted on all our cards. Please reattempt the transaction and select the currency of the country you are transacting in.

Card Number : 24******7 Account

Number : ******9956 Merchant

Name : GOOGLE *SERVICES g.co/payhelp#CAUS

Amount : USD1.65 (NGN 328.35 )

Imagine such error preventing you from paying for something you really need.

The reasons for Declined Card Transaction - DCC Restriction

The main reason why banks block some transaction in some website such as PayPal and google play is because of Naira and Dollar Currency Conversion differences.

A website such as Google and PayPal uses the Central Bank of Nigeria (CBN) Official exchange rate when handling transactions on their website.

Example, CBN official rate for $1 is N315.25 but bank like GTBank Charges N382 per $1 as at today almost the same with black market.

Since bank makes more profit charging higher than the official rate they blocked any website that doesn't allow them to convert currencies at their own desired rate and this is the main reason why you are getting error (Declined Card Transaction - DCC Restriction) on some websites.

Solutions to avoide Declined Card Transaction - DCC Restriction

To help yourself out of this error you need to do the right thing and the right thing to is to get a domiciliary account and request for Dollar MasterCard that will enable you receive money in dollars and pay for goods and products online in dollars when the need arises.

Secondly, on the issue of PayPal restrictions, you can set your PayPal account to play according to your bank rules following this simple steps below but remember to consider the first option (opening a dollar domiciliary account and requesting for dollar MasterCard).

To Avoid getting Declined Card Transaction - DCC Restriction when using PayPal follow these steps below.

1. First thing to do is to log into your PayPal Account and click Settings Icon just (besides Log out).

2. Now you will need to go to payment options to change some default settings to make PayPal acceptable to carry out transactions on your bank account.

3. You will still see another option (Manage Payment) click on it and go to "yet available funding source" and when this option is not present you might see "pre-approved payment"

4. Now if you have already linked your card to your PayPal Account you will see the list of linked cards, then click on the conversation options based on the card you want to use for your transactions if you have more than one cards linked to your PayPal account.

5 Once you are through with the step 4 then select another option which says "Bill me in the currency listed on the seller's invoice" and submit to save the changes.

6. Finally, you are done, simply initiate a new transaction to see if everything works well and you will be surprise to see that everything will now work smoothly.

If you still have any question to ask feel free to use our comment option to ask, i will be glad to help you more.