Paying by Credit Card and Debit Card


Cards Accepted as Payment on MyHabit

We accept the following cards as payment for your orders:

  • Visa
  • MasterCard
  • AmEx
  • Discover
  • JCB
  • Amazon.com Visa
  • Visa, MasterCard, or American Express pre-paid credit or gift cards
  • Amazon Gift Certificate 

You can use debit, pre-paid, and gift cards issued by the companies above as well as their standard credit cards. Similarly, if you're paying with a EuroCard or MasterMoney Card, select MasterCard. For credit cards denominated in a supported currency other than U.S. dollars (USD), your bank or credit card company may charge foreign conversion fees.

Unless you use MyHabit Gift Cards and one of the payment methods above, you'll need to choose a single payment method to place your order on MyHabit You can't split your payment between multiple cards.

You can combine MyHabit Gift Cards with a credit or debit card payment to complete your order. If you're interested in buying a MyHabit Gift Card to split the payment on your merchandise order, please see our MyHabitGift Cards help page here.

Payment Safety & Security on MyHabit

You can safely enter your entire card number on MyHabit via our secure server, which encrypts all submitted information.

Verified by Visa & MasterCard SecureCode

MyHabit does not currently support the Verified by Visa or MasterCard SecureCode programs. You can still use your Visa or MasterCard card as payment for an order, but you won't be asked to enter your Verified by Visa or MasterCard SecureCode password.

To protect your security and privacy, your bank cannot provide MyHabit with information about why your payment was declined. Because of this, you most likely need to contact your bank directly to solve most payment issues.

Troubleshooting Failed Authorizations and Payment Declines

MyHabit Customer Service can help you:

  • Verify if you entered your payment information correctly on your order.
  • Change the payment method on an open order.

Tips to Resolve Known Payment Issues


Contact your bank about payment authorizations, reserved funds and charges. When you place an order with MyHabit, we contact your card's issuing bank to confirm that your credit card has a valid number, and has not been reported as lost or stolen. This is communicated via a full authorization for the amount of the purchase.

If you make changes to your order, cancel items, or a multiple-item order ships in more than one shipment, your card may be authorized for each change and funds may be reserved against your account for each authorization.

Some banks have been known to hold these authorizations for 7-10 business days. If your payment is declining due to lack of available funds, contact your bank to confirm if the reserved funds are authorizations, verify the amount of time they hold authorizations, and request that they remove any extra authorization to free up funds in your account.

Verify the payment information entered on your order. Did your billing address change recently or did you get a new card with a new expiration date? If you used a payment method already on Your Account, you may simply need to update some of the information. If you entered a new payment method, make sure you entered the number and other information correctly.

Submit an alternate payment method for your order. If you are unable to resolve the payment issue with your bank in a timely manner, you are always welcome to change the payment method on your order to another card. Visit the Change Payment Method section of Your Account to update the payment information on an open order.