ArmourZero accepts both Credit and Debit cards. Most customers are able to use debit cards without any issue, but the decision about whether a particular transaction is allowed on debit is made by your bank or card provider.
If you facing any error using this option and would like to learn about why the error arise and how to troubleshot the error, scroll down to the end of this page or read this article.
Step 1 - Add a new card
You can set this up with just a few simple steps. Your credit card usually has been updated during onboarding in the account general setting - credit card information. If you haven't done this step follow this easy step to add a new card.
Navigate: Account settings > Billing address & credit card > Scroll down to the bottom of the page and add a new card.
You can skip this part if you have a saved credit card before now in your account.
Step 2 - Add billing address
Navigate: Account Settings > "Billing address and Credit Card" > Add billing address and click "Save".
- The company address in ArmourZero must be the address where your office is located at. Be reminded that this account address will reflect your billing currency. Learn more here.
- You can skip this part if you have a saved billing address before now in your account.
Step 3 - Start to make the payment
Now you are ready to make payment via credit/debit card. Follow the below steps:-
Step 1 - Get a quote > answer the questionnaire > enter the number of users.
Step 2 - Reconfirm the price on the screen, and click "Subscribe now".
Step 3 - Choose a payment method and select Credit Card.
Step 4 - Tick the box authorize and click "Pay".
If you have available billing credit in your account, ArmourZero will utilise it automatically. You will then be required to pay the remaining balance after the deduction. You can see the deduction on the checkout page and recheck the audit trail from the credit history.
Thank you for your payment. You should receive the activation notification soon after payment is completed. The verification process will be done automatically by our system.
Once your payment is verified at our end, our Onboarding team will reach out in the next 48 working hours for the complimentary onboarding session. While waiting, you might want to read this:-
- By clicking "Pay" you are agreeing to the term of service as stated in the Term of Service
- All subscriptions are auto-renew until you cancel the subscriptions. To learn more about canceling a subscription, click here.
- Any add-on additional licence for your paid protection service is not entitled for complimentary 1-1 onboarding by ArmourZero Onboarding team.
Important troubleshooting solutions for any credit/debit card error that may arise.
Credit card declines
There are a few reasons a credit card may be declined when you are attempting to pay for ArmourZero. This notification is not from our software, but rather, directly from your bank or card provider.
Unfortunately, ArmourZero is unable to receive specific information about why the card is being declined, or how to correct it. The two most common causes we find for a "card declined" message is:
- Your credit card number and expiry date are incorrect. Please check and try again.
- You are using a debit card, and your bank won't allow this transaction on a debit card.
Solving declined transactions
Contact your bank and ask them why it is being declined. In some cases, it will take a few calls to get the bank to reveal the cause, and their first-level support people may not know why.
From our end, we can only check that payments for other cards are going through and that our payment gateway is operating correctly.
International transaction fees
ArmourZero supports three (3) currencies that are determined by the billing address in your account:-
- Malaysia: MYR (Ringgit Malaysia).
- Singapore: S$ (Singapore Dollar).
- Other countries: $ (US Dollar).
If you pay in a currency that doesn't match the one attached to your credit/debit card, in most common issues some card providers will charge an extra fee, known as an "international transaction fee" or "foreign currency fee".
This makes the total that you pay slightly higher than what your ArmourZero invoice states. The extra charge is usually 1–3% of the invoice cost and it's either charged as a separate transaction on your credit card or added to the invoice total.
Rest assured, ArmourZero is only charging you the amount noted on your account invoices. Our billing system is unfortunately unable to detect the extra charge that is being added by your bank. Therefore, we are hardly unable to add the amount to your invoice.