Send money online western union not approved?

[astralman]

I registered and got this message. Im a us citizen so why would I not be able to send money online?

This money transfer was not approved. If you were charged for this money transfer, you will be automatically refunded.

I contacted western union and they said: We apologize, the money transfer has been declined due to western union business decision.
Unfortunately, it's not always possible to authenticate everyone electronically to allow a credit/debit card payment.

Anybody know how to get around this?

[Johnson1]

I would think your only option is to go to a Western Union office to do transfers.

May be not the answer you were looking for.

[Gamefreak]

No way around that, I tried of a while a few years ago...

[rsot]

Have to go to the branch in person - lot of different factors in place for a Net refusal. Destination country was....?

[GreenBean]

Amount of transaction was?

Funding source of same was?

[moneyhustler88]

I think greenbean has said it all to be fair, there could be a variety of factors for the answer here OP..please give more info

[unkown5454]

Originally Posted by rsot

Have to go to the branch in person - lot of different factors in place for a Net refusal. Destination country was....?

They won't process the transaction if you put in a country they don't allow business with.

[unkown5454]

With the little information you have supplied, this is my first guess:

If the payment went through, and then it was frozen or reversed, someone using the same name or address to send money in the past was blocked for not supplying source of income after sending large amounts of money that are out of the ordinary.

This is common for them and so is the "business decision" response. I am surprised they did not ask you to call a specific number though to discuss the issue.

[rsot]

Payment did not go through, unkown, however

[unkown5454]

I still stand that it the name or address used has been used by someone else that was blocked for suspicious activity.

Just go send it in person and change your information around. None of it actually matters. Only information that matters is the receiver.

[jeffweico]

The first thing to understand is that Western Union is TARGET #1 when it comes to fraud. Once money transfers, it is impossible to reverse the transaction, since the cash has already been given out. Still, Western Union is subject to the SAME CHARGEBACK rules as any other merchant. So, they have one of the toughest security programs checking each new transaction that involves a credit card.

They check to see that your name and address are known to the credit bureaus. They check fraud databases. They check your credit rating. Sometimes, they even check your banking history.

If you have bad credit, you will be declined.
If you have a short credit file, you will be declined.
If you have a habit of bouncing checks, you will be declined.
If your phone number does not match the utilities database, you will be declined.
If anything at all is suspicious about the transaction, you will be declined.

The above is not an exhaustive list of their security procedures, but it might give you an idea of why you were declined. Don't feel bad, a LOT OF PEOPLE are declined. Probably the majority.

Now, if you walk into a currency exchange that is a Western Union agent, with CASH, then none of that matters. Currency exchanges will NOT take a credit card for Western Union payments. They DO usually have an ATM setup where you can use your PIN number to get cash to make the transfer.

That type of transfer is a lot less risky for Western Union.