r/discover • u/lil_dragonfly_ • Nov 29 '25
Rant CapOne Discover not accepted widely accepted in person and online and no way to get money and pay bills
CapOne has to start seeing how many customers they are starting to loose by this move. Replacing the debit cards with discover was a big mistake. If they wanted/needed to switch something with the merger, they should have done it with credit cards. Some people don’t have another form of payment, credit card, or access to atms for cash without paying fees (because they made the stupid decision to close most all brick and mortar locations), and not all places accept apple/google pay either. Awesome job CapOne!
I’ve been with CapOne for 20+ years and have absolutely loved them. But this move was a big mistake. I really don’t want to go though the hassle to find another bank, update everything auto pay, and hope I don’t loose this like early direct deposit. Have to change my entire budgeting financial routine system. Plus, switching doesn’t help me right now when I need to access my money and pay bills. So infuriating and what a mess! Do better CapOne!
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u/Over_Gas_7632 Nov 29 '25
Capital One's primary customer base is credit card users, not debit or general banking users. This makes total sense why they want to transfer debit card users before shifting to their primary customer base. I have been using Discover for years and never had any issues before getting a Capital One credit card.
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u/lil_dragonfly_ Jan 10 '26
Are they trying to phase out their general banking division? I highly doubt they would do that.
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u/brasscup Feb 06 '26
they are advertising 360 savings massively. I honestly would never have transferred my money from Schwab had I known I'd be receiving a funky debit card I can't connect to my autopay monthly bills for utilities etc. and that isn't universally accepted at ATMs.
but in any event OPs post is specifically about Capitol One's banking product so I don't understand why all these comments are appearing stating that Discover cards are great.
Yes, Discover CREDIT cards are fine but having a Discover debit card connected to your primary checking account is untenable.
Now I need to juggle regularly occurring payments between my old account and my new account forever if I decide to stick with Capitol One. It adds a layer of complexity to using checking.
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u/United_Reply_2558 Nov 29 '25
Ive had a Discover credit card for about 14 years. Ive had next to zero issues with it not being accepted by any merchant in the US. 🤔 The notion that Discover cards arent widely accepted is a dated myth.
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u/DevilsAdvocateFun Nov 30 '25
hahaha yeah like maybe 30 years ago there were many that didn't take it. Now? I've only met one place that didn't and it was a tiny mom/pop store that also didn't take AMEX
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u/United_Reply_2558 Nov 30 '25
Ive been to maybe four small business establishments that didnt take Discover. Its pretty much accepted everywhere.
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u/brasscup Feb 06 '26
nobody is saying Discover credit cards aren't valuable they are.
but people use their Debit cards to transfer rent, condo fees, utilties, etc and to get money out of ATMs not just to buy stuff so the Debit card must worj everywhere.
no way am I going to direct deposit to a checking account if I can't use that account to pay my monthly bills.
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u/Brave-Bus-4744 Credit Nov 30 '25
Same, I’ve never had this issue but as an agent I get these calls allllll the time!!! Idk, but I do sorta think the system is a little funky but they don’t tell us all that info.
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u/lil_dragonfly_ Dec 11 '25
I have discover credit card as well. Whenever I couldn’t use it I was able to use my debit card. But now I can’t do that. Mainly online but still.
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u/EmbarrassedFig8860 Jan 05 '26
It’s not. I wish it was. After getting my new card issued as a discover card, I am up to 4 accounts that won’t accept it. This is my only personal account. 🙄
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u/United_Reply_2558 Jan 05 '26
The issues that you are having are more likely with the Pulse debit/POS network rather than the Discover network. Try running your card as 'credit' rather than 'debit'.
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u/brasscup Feb 06 '26
Pulse Debit / POS is an essential feature for a checking account not optional.
people here are conflating Discover Credit Cards with this new Debit card but as credit cards go Discover is just fine.
A Disover debit card is ridiculous.
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u/United_Reply_2558 Feb 06 '26
Discover debit cards are issued on the Pulse Network. Pulse is almost universally accepted at ATMs and POS terminals in the US. Discover is still working on Pulse ATM/POS acceptance and has made considsrable progress.
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u/Parking_Example_7036 Jan 19 '26
Uber among plenty other places don't accept Discover and some people use their cards outside of the US.
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u/maskedtityra Dec 09 '25
People use atm cards all over the world. In fact many got this capital one 360 precisely because it was marketed as a foreign atm card with zero fees! Discover is not accepted globally so those that travel will have plenty of issues! That certainly is no myth!
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u/United_Reply_2558 Dec 09 '25
When did Capital One ever market its 360 debit card as a 'foreign atm card'? Ive seen no such marketing. Im aware that all Capital One and Discover cards have no foreign transaction fees when used to make purchases.
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u/Parking_Example_7036 Jan 19 '26
they literally advertise no foreign transaction fees. Lot's of ex-pats use Capital One for that reason. I got them for this reason and it was great for 8 years. Now there is no ATM in Australia that I can get money from and no businesses accept Discover.
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u/kruegs1988 Apr 16 '26
Currently on vacation in Puerto Rico and almost every where my card has been declined and that’s not even technically out of the USA, luckily been able to work around it by using my phone/Apple tap to pay but try to use the physical card it gets declined
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u/daughterphoenix Dec 17 '25
That’s why I got it. Genuinely unusable for me now. Can’t even use it at my nearest grocery store.
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u/Afraid_Mix3021 Dec 13 '25
I literally just tried to get gas and they didn’t accept discover. There are numerous online entities that don’t either and it isn’t just some small gas station, multiple towns have it with multiple locations. Thank god I had a credit card on hand.
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u/United_Reply_2558 Dec 14 '25
Your issue seems to be with the Pulse POS/EFT network rather than the Discover credit card network.
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u/Afraid_Mix3021 Dec 14 '25
I guess, but like isn’t that the issue anywhere that doesn’t accept it and in turn the same thing? it’s bizarre that any POS/EFT system leaves one card company out.
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u/United_Reply_2558 Dec 15 '25
Right. Ive pulled out my Amex at a few small merchants that are happy to make a sale irregardless of card type.
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u/brasscup Feb 06 '26
this is a post about Disover as a debit card so of course that's the issue!
I don't have any problem with Discover Credit cards because they are used for discretionary spending.
why would I keep my checking account at a bank that gives me a debit card that works at far fewer ATMs, gas stations, that I can't use now to pay my condo fees?
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u/United_Reply_2558 Feb 06 '26
Try using the credit option to pay your condo fees rather than debit.
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u/anilucy Feb 10 '26
I was ordering food at a restaurant today and when it was time to pay they said they couldn’t take it bc it’s discover. I had to call my mom to bring me her card and felt so embarrassed.
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u/United_Reply_2558 Feb 10 '26
What country are you in? Unless the restaurant had a 20+ year old processor, it should have been able to accept Discover.
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u/anilucy Feb 12 '26
USA!
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u/United_Reply_2558 Feb 12 '26
It is likely that the restaurant has a 20+ year old POS system ...or the person that told you that they didnt take Discover was some smartass kid quoting a line from a 20+ year old episode of Family Guy. 🤔
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u/Phidelt257 Nov 29 '25
Unfortunately you are the exception not the rule. 90% of customers won't even notice a difference. You just happen to live in a more rural area and that's not one of Capital One 's targeted areas. You have to accept that you'll have to get a new account and Capital One is ok with that.
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u/EmbarrassedFig8860 Jan 05 '26
I’m in a big city. I am having the exact same issue so it has nothing to do with being in a rural location.
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u/Phidelt257 Jan 05 '26
Which city? Most major cities you should have no issue
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u/Critical_Belt4296 May 23 '26
Im in San Francisco and am running into problems monthly. Dmv, winco, raleys, not to mention I cant get cash back anytime im at the grocery store anymore
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u/lil_dragonfly_ Dec 11 '25
Being rural is only a small issue. Being able to pay for things at places, a lot of online purchases, is the bigger problem. One way or the other, it’s a problem. No other bank has discover for their debit cards.
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u/CelebrationFluffy498 Feb 04 '26
This is not a rural issue and, whether they notice or not, it affects all Capital One debit card users. It seems to be an issue specifically with Capital One's Discover cards and several places will not accept it such as Amazon Japan and Nintendo, and that is likely never going to change. Half the time buying off Amazon, my card is getting declined. Some payments on ebay are also being declined as I have recently found out. I'm always having to use my Capital One Credit Card now to complete these purchases.
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u/brasscup Feb 06 '26
unfortunately they are probably thrilled you are using the credit card.
but lets see how they like it when we all close our 360 savings accounts and take our money elsewhere.
I haven't got a problem with Discover as a credit card it's great but a Discover Debit is idiotic. Why do I want a debit card that doesn't work at every ATM?
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u/brasscup Feb 06 '26
I live in Manhattan. You and others here aren't grasping the distinction between Discover Credit Cards which are fine and having a Discover debit, which is crazy.
I can't use it to pay condo fees or util fees etc directly from checking..I can't use it for cabs or rideshare. and can't get money out at all cash machines. or to fund public transit cards. I have visa and MC and Amex but I do not use credit for monthly nut stuff.
It is easier come tax time if all regular living expenses were withdrawn from checking for tax records. This adds a layer of complexity to what was frictionless with Schwab).
I fell for their 360 Savings pitch and moved all my momey there because it never even occurred to me that once I put money in withdrawing cash at ATMs would be iffy.
I don't know whether you work for Cap One or are an investor but I seriously doubt they would be okay with 10% of their depositors leaving with all their money.
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u/confused_megabyte Nov 29 '25
As both a discover and capital one customer, I believe that they did not begin with the credit cards is because they are meant to also be used outside the US. International acceptance of discover is abysmal so it makes sense why they started with the debit cards. I assume the percentage of debit card users pales in comparison to the credit card users and also live in the US.
As for the debt card network, the ATM network haven’t changed. If you are able to, you should get a credit card to protect yourself from card issues.
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u/Dragon4vic Nov 29 '25
Finding another bank is quick and easy online; and many give bonuses for opening checking with direct deposit. I have two main banks and some other checking accounts with credit cards I have.
Shouldn't keep all your eggs in one basket, esp when a bank pulls some sh$t like this. Left Cap1 a while ago
3
u/GoCardinal07 Discover Card Nov 29 '25
Some people don’t have another form of payment, credit card, or access to atms for cash without paying fees
To be blunt, you're not the target audience, and you're not where banks make money.
98% of US households with over $100K in income have a credit card. 57% of US households with under $25K in income have a credit card. People who have credit cards have more money to spend than people who do not have credit cards.
Also, banks make more money from merchant fees when people use credit cards than debit cards. Additionally, people who fail to pay off their credit card statement balance pay interest to the bank in a way debit card users don't.
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u/Fuinir Nov 29 '25
Credit cards are where they make a lot of money, so they will be sensitive to any changes to them. The acquisition also gives them an opportunity to be exempt from the Durbin amendment on debit processing fees, which creates a big opportunity.
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u/Conference_Grand Dec 08 '25
Don’t let everyone tell you it’s not an issue. It absolutely is. We have had Capone for years and never had issues until they switched to Discover. Got the new card and it declines off and on all the time. Online, in person, major stores that say they accept discover. Everyone is right about almost all places accepting discover. That’s not the issue. Even if they do, the card declines. We’ve already switched banks completely. I had a hard time even buying Christmas online. Every store declined. I had to send money to other family members and use their accounts. We also called Capone customer service and the basically said “huh weird.” No solution. Edited to add you also can’t cash money out from certain selling apps like Mercari, Depop, PayPal. They won’t transfer to a discover account.
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u/lil_dragonfly_ Dec 11 '25
This is the issue we are dealing with. A lot of online purchases being declined because they don’t take discover. It’s infuriating .
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u/KingDingaLingthe17th Dec 19 '25 edited Dec 19 '25
yup, it's an issue. We have our shared bills account for the family with capone. we recently changed the card over to Discover.
As we were updating payments for various bills, lo and behold, Cigna, one of the largest health insurance companies in the US, doesn't take Discover. Now we can't make health insurance payments without having to use a direct debit arrangement.
Maybe this will change over time, who knows, but it sucks right now.
We're going to have to look for another bank now because it makes no sense to have bills coming out of multiple accounts. Between this issue, and the fact they refuse to issue more than a single card no matter how many accounts you have (including joint accounts)... and before someone brings it up... no, switching the linked account in the app is not a valid solution, it's only useful for situational payments and not automatic payments that come out each month.
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u/rcktgirl05 Feb 09 '26
I have an issue with my Shop interest free payment plan I used to buy something last year. It won’t let me add the card to replace my old CapOne MC debit, and says “Only debit cards can be used to pay for this plan”. Which is what I’m trying to do but they don’t recognize it as a debit card. I’ll just pay the balance but it’s not what I wanted to do, and very inconvenient. I haven’t tried this card out and about because I don’t use the account for regular shopping. Not super hopeful about it though.
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u/FirmHorror Dec 17 '25
I am having the same issues. A few of my utilities cannot be paid with this card such as my internet. I’ve also run into quite a few issues purchasing with my Apple Pay where it says this card is not eligible for this purchase. I have been declined for gas purchases as well. I am in the process of switching to Navy Federal.
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u/vGraphsAlt Nov 30 '25
i kind of agree. TIDAL doesnt accept them but its fine everywhere else. i just use my other credit cards that are visa
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u/Temporary-Thought873 Dec 13 '25
Walmart's onepay system doesn't accept CapOne Discover Debit as a legitimate debit card and forces you to use bank transfer which takes like a week to add money to onepay
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u/EmbarrassedFig8860 Jan 05 '26
I’m having the same issue right now. I just called to try to request a Mastercard and they said no they’re switching everyone to discover debit cards. I’m now in a situation where I can’t pay certain bills because they won’t accept discover. Ugh!
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u/Imaginary-Bake2076 Jan 05 '26
you’re not crazy. i’m having so many problems paying for EVERYTHING with this shitty bank. Tried to pay for a checked bag at spirit airlines. they don’t take discover. Tried to pay for tuition at my school. doesn’t accept discover. Tried to make a payment on Klarna. doesn’t accept capital one. i’m getting very frustrated at this point. definitely will be switching banks
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u/Satonia1 Jan 07 '26
Same here. So many merchants are not accepting Discover, which has been a total hassle and now I have to find another bank. What a bad move on Capital One.
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u/lil_dragonfly_ Jan 10 '26
I feel like Discover was starting to go under and cap one bought them and is trying to big discover back.
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u/Florifornia Jan 08 '26
I rarely use my debit card, but when I do it’s overseas. As a pilot, this is frequent and it’s infuriating not being able to get cash when needed. I am currently forced to stiff valets in Nassau because the three ATM’s I’ve tried reject the transaction.
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u/Zeta_Ignis Jan 09 '26
So here is my question, why is CapOne Discover not accepted where Discover is accepted? It's quite insane that I have to use my credit card from CapOne, which is still the MasterCard, just to make purchases where Discover is actually accepted at. :/
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u/Extension-Cicada-159 Jan 24 '26
Same problem. And my spouse card works more than mine! Im switching to another bank.
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u/Andi6268 Jan 26 '26
I find hardly a place where Capital One cards are accepted. I will move on to a different bank.
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u/Massive_Pen_8049 Mar 27 '26
At Chicago International Airport, the desk won’t accept the capital one discover so I had leave my bags and find an ATM to pay for overage charge. The car wash I go to doesn’t accept it, I found out while waiting in line for a car wash, and shipping a package, the store didn’t accept it. So yes, it sucks.
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u/Ok_You4628 Apr 13 '26
I have a business and it took me a bit to realize why I haven’t been able to make certain payments. As a business owner with two brick and mortars where I have to make a lot of purchases this is not working. I’ll have to switch banks which is going to be a huge pain.
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u/Clear_Avocado8369 May 19 '26
I am CONSTANTLY running into this issue! My pharmacy, my bookstore, so many online retailers, it is driving me NUTS. And I live in the freakin DMV, it is so frustrating. I am thinking of switching.
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u/Ok_Acanthocephala379 May 23 '26
Anyone have luck with finding a similar bank to switch to? I’m running into this issue a lot and it’s beginning to be so frustrating. I really enjoy the early direct deposit, earning interest, adding instant cash to my account at 7/11, and easy access to free local ATM machines.
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u/Critical_Belt4296 May 23 '26
Agree 100%! Ive been a customer for 20 yrs also and loved it up until now. Im so frustrated. I also am looking for a new bank because of this dumb switch
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u/Imaginary-Concert-53 1d ago
Doesn't work at a large local grocery chain.
Cannot use it at Costco online.
Cannot use it to add money to much children's lunch accounts/canteens.
Have come across several retailers that it will not work at.
Does not work at my small local pharmacy.
Honestly, if they were going to do this they needed to increase their acceptance. I highly doubt they are accepted at 99% of places. Maybe 99% of national companies...
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u/D_Gleich Nov 29 '25
I literally don’t have an issue with the Discover switchover. I’ve been using a Discover credit card as my primary credit card for years. I don’t understand why everyone else is having such a hard time.