Authorisations may be declined at some merchants at Special's discretion, at merchants that do not accept the Card, or by merchants who are blocking the use of Gift Cards to complete purchases.

Our Special Category Cards are linked to particular Merchant Category Codes (MCC Codes) that are relative to those cards. It is up to the merchant if they choose the relevant merchant code that is linked to the particular category card.

Additionally, Special Gift Cards must be used as a payment card type, like your bank debit or credit card. This is because Special Gift Cards are a Prepaid Mastercard product.

We are not liable in any way when an authorisation is declined for any particular transaction, except where the authorisation has been declined because of an act or omission on our part.

We may also add and remove merchants at any given time, and will update the website and app accordingly.

Special is not liable for any delays in updating the website and app lists where changes have been made.

Please note: If your Gift Card is being declined during the process of entering it in to a 3rd party payment gateway provider (such as Shopify) it may be that they are not accepting Prepaid card products. This decision is made by the individual merchant or retailer and Special has no control over this.