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Curve users report declined transactions: what's going on?

Curve Payments Declined | Users Report Frustrations Over Bank Blocks

By

Hannah Lee

Jan 8, 2026, 12:45 AM

Edited By

Sophia Chen

2 minutes reading time

An illustration showing a credit card and a mobile phone with a declined payment message. Graphical representation of frustration due to payment issues.

A wave of Curve users are expressing frustration as all payments via the service are being declined since December 24, 2025. Sources confirm a common error code, โ€œdo not honor,โ€ is causing significant inconvenience, primarily attributed to bank anti-fraud systems.

What's Happening?

Customers report that while transactions on their bank cards continue to work smoothly, payments attempted through Curve have been consistently blocked. One user noted, "I've been using Curve for years, and now I canโ€™t anymore because of this situation."

This issue raises questions about reliability and user trust in digital payment platforms. With several individuals reaching out to their banks, responses indicate no internal problems, hinting at deeper issues with Curve itself.

User Sentiment and Reactions

Commenters on forums echo concerns about the viability of the service, leading to a spike in discussions:

  1. Past Experiences: Some users suggest they encountered similar blocks previously, stating, "I knew Curve is dead you should find a new service."

  2. Displacement of Trust: Others feel that following corporate changesโ€”like the founder selling to Lloydsโ€”has weakened service integrity.

  3. Limited Help Options: Users facing issues are advised to contact support, but many feel abandoned without proper resolution channels.

"If youโ€™re still experiencing issues with your Curve account, please contact the support team"

Key Takeaways

  • โš ๏ธ Users report all transactions declined via Curve from December 24.

  • โœ”๏ธ Bank support suggests no internal issues, raising doubts about Curve's operations.

  • ๐Ÿ“‰ "I knew Curve is dead," reflects growing negative sentiment among users.

The End: Navigating the Payments Landscape

As frustrations mount, what is the path forward for Curve in regaining user confidence? This situation signifies a potential turning point for digital payment services, challenging them to bolster transparency and functionality.

With ongoing developments, users remain cautious. As one response noted, "Thur, Jan 08 โ€” still working fine," highlighting a stark contrast in user experiences.

A Glimmer of Whatโ€™s to Come

Thereโ€™s a strong chance Curve may respond to user concerns by revising their operational practices, which could involve enhancing their communication with financial institutions to mitigate further declines. Experts estimate that by investing in more robust compliance measures, Curve might regain trust within three to six months. This path seems viable, considering the resilience shown by other platforms in similar predicaments. However, the longer they wait to address these issues, the more likely users will abandon the service for competitors that prioritize reliability and support.

A Historical Echo

The situation with Curve bears a striking resemblance to the struggles faced by the early adopters of mobile banking in the late 2000s. Just as these pioneering services had to tackle security concerns and build consumer trust in the wake of initial setbacks, Curve now finds itself at a critical juncture. The caution consumers showed then echoes today's apprehensions about the future of digital payment solutions. The adaptability seen in that era may serve as a roadmap for Curve, proving that with strategic adjustments and transparent communications, it can restore user confidence, just as many banks did during their early days of digital evolution.