Debit & Virtual Cards

The next authorisation attempt on that card is declined. There is no batch, no overnight job — the switch is read during authorisation itself.

Yes. A blocked category or a frozen card declines recurring authorisations too, and you are told which subscription was declined rather than discovering it from a cancellation email.

When you spend in a currency you do not hold, we convert at the mid-market rate plus a single 0.35% spread. No fixed fee, no weekend markup, and the converted amount is shown on the authorisation.