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Prevent Card Declines

Card declined? No stress. Curve Pay automatically switches to your backup card so payments always go through — no awkward moments, ever.

Get Curve Pay
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Always pay with confidence

If your main card fails, Curve Pay instantly switches to your backup—no panic, no pauses, just smooth spending.

Always Pay with Confidence

Set your safety
net once

Set your backup cards in the app—if your main one’s declined, Curve Pay switches instantly.

Set Your Safety Net Once

Real-Time updates, zero surprises

Get notified instantly when a backup card’s used — full transparency, zero surprises.

Real-Time updates, zero surprises

Smarter protection, everywhere you go

Anti-Embarrassment Mode works wherever you pay—online, in-store, or abroad—and comes with Curve Pay’s built-in safety features like wallet lock, fraud alerts, and Section 75 protection.

Smarter protection, everywhere you go

Terms Apply

Most offers are subject to terms and conditions.

Learn More

How it works in 3 steps

Declines happen. Awkwardness doesn’t have to. Curve automatically switches to a backup card, so your payments never fail. Follow:

Get Curve Pay

If you've not done so already, get Curve Pay and signup.

Spend and save

Set up your backups

In the app, open Anti-Embarrassment Mode from the launchpad. Select up to two backup cards to use if your main card is declined.

Back up card

Spend with confidence

Once set up, if your selected card is declined, Curve Pay will automatically try your backup cards in order — so your payment still goes through.

Peace of mind

Frequently asked questions

What is Anti-Embarrassment Mode?

Anti-Embarrassment Mode is a Curve Pay feature that switches to your backup card if your primary card gets declined — automatically and without drawing attention.

How do I enable it?

Go to your Curve Pay app > Settings > Anti-Embarrassment Mode. Choose one or two backup cards. Done.

Will I be notified if a backup card is used?

Yes, Curve Pay will send you a push notification as soon as a backup card is used — so you’re always in the loop.

Can I change my backup cards anytime?

Absolutely. You can update or remove your backup cards at any time in the Curve Pay app.

Does this affect my credit score?

No. Anti-Embarrassment Mode doesn’t impact your credit score and doesn’t involve any credit checks.

Terms and limits apply

The only wallet that
saves you money.

Curve Pay brings all your cards together in one secure
wallet - so you can save more with every payment.
Switch cards after you pay, skip hidden FX fees, and
stack rewards effortlessly. Regulated across the UK and
EEA and built for people who expect more from their wallet.