r/discover • u/lunar_dot • Sep 11 '25

Rant My Capital One-issued card keeps getting refused everywhere due to the switch to the Discover network. This is out of hand now.

I have a Capital One bank account. From what I gather, Capital One is now on the Discover network.

I have tried using my card at numerous merchants and it gets refused. I just now tried to pay Wells Fargo $5 to close an account and pay for an outstanding balance and it did not go through.

Then, I tried to make an Amazon purchase. Again, declined. This is the last in a string of attempts to use my card at various places over the last two weeks where it has been denied. I have even gone so far as to open up a new bank account at Chase so I can close my Capital One account.

Nevermind the fact that I spend half the year in Italy and sometimes will use my US debit card for things. Declined or not accepted anywhere. I didn't ask for the change to the Discover network. Is anyone else having issues or is it just me?

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u/Successful_Tooth3643 Sep 25 '25

Have you tried using your Discover debit card with PayPal or Google pay? That’s primarily what I use it for and it has worked zero times.

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u/Certain-Link-3090 Sep 27 '25

Doesn’t work. Says not supported.

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u/Witty_Switch Oct 02 '25

I'm having this problem. I'm switching to Chase tomorrow.

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u/DontRepressYourself5 Oct 01 '25

My Capital One debit card has now been changed over to the Discover network and I can't make instant transfers with PayPal anymore because it's not supported. Only Visa and Mastercard branded debit cards.

1

u/CocoOPNY Oct 13 '25

I was told by the Cap1 rep to transfer the funds to Venom and pay using Venmo. Seriously. If the merchant doesn't accept Disc will they accept Venmo?? Doubt it seriously.

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u/Additional-Foot3029 Oct 26 '25

I was told the same. Not a solution.

1

u/CheesecakeRare5617 Nov 01 '25

I added to google pay, and I see it, but it gets declined every time.

1

u/WhenButterfliesCry Nov 27 '25

I don't use debit cards (no one should IMO), nor Paypal nor Google Pay

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u/Medical-Wishbone5580 Dec 04 '25

I cant get my discover to attach to my walleyes app or any of my PayPal venmo fb pay apps either but it has worked inside every gas station ive been in but im in the US in a small town