4/9/2026 at 7:59:50 AM
My last experience with Claude support has been rough.I used a Visa card to buy monthly Pro subscription. One day I ran out of credits so I go to buy extra credit. But my card got declined. I recheck my card limit and try again. Still declined.
I try extending the Pro subscription. It works. Turns out my card had a "Secure by Visa" feature. To complete transaction I needed to submit OTP on a Visa page. This page appears when I pay for Pro but not while buying extra credits.
I open a ticket and mention all the details to Claude support. Even these details they come back with "We have no way of knowing why your card was declined. You need to check with your bank".
Later I get hold of a Mastercard with similar protection. OTP triggers on both subscription and extra usage page.
I share the finding and response is still - "We checked with our engineering team and we have no way of knowing why the other Visa card was declined. You have to check with your bank".
I gave up trying to buy extra usage.
My experience with Replicate has also similarly absurd. For testing I loaded $10 to my balance. But I keep getting rate limited with error that my balance should be above $5. Responses have been absurd. AI bot responded that my balance had to be above $10. On asking why the message said $5 the "human" support responded that it might be a "temporary hiccup". Later they came back that my balance had to be above $20 for full rate limits. I asked again - why was their rate limit error message not clear enough? No response for past 10 days.
Its like all these AI companies want to replace developers but their own systems is built using super glue.
by thisisit
4/9/2026 at 10:14:35 AM
I have almost the exact same issue. My account used to be on a one card, which I cancelled. I've updated my Claude subscription to another one and worked without any issues including MFA/OTP.For some reason I really don't understand, it's a different payment process in the on the Developer Platform page. When I tried to update there with 3 different credit cards (MC, Visa, AmEx) and using Stripe Link, they all got the same rejection. It's clearly some bug / issue on their side.
Their chat bot is honestly an embarrassment for a frontier AI company like Anthropic, generic, not helpful and trying to lecture me on what MFA/OTP implicating "it's you being to stupid to use a credit card".
I'm also waiting already for 2 weeks for a human support on my 2 messages.
This whole thread shows I am (and you are) not alone with this issue, so it's hard to understand how the "engineering team checked" and didn't find anything.
I've been building payments systems for over a decade and just projecting from this thread their support should be blowing up from such an issue - I know in my companies it would have.
by frb
4/9/2026 at 8:18:51 AM
I'll just note that I'm using revolut and some of my virtual cards on there appear to randomly be created as Visa or Mastercard. Well, couldn't pay for Claude with my Visa (no matter if virtual or physical card), but found a comment on Reddit suggesting to use Mastercard, and that worked without a hitch.So they certainly have a problem with their flow with Visa. I wonder if the payment flow was vibecoded from scratch, never experienced that with any other site.
by hurflmurfl