A Smartcard is a virtual Visa card that works everywhere Visa is accepted. looch marks a declined Smartcard charge 'Blocked' when its controls or its switch being 'Off' stopped it, and 'Failed' for any other reason. A Smartcard charge’s notes tell you what happened and can take you to the card’s controls.
Last verified: September 30th, 2026.
You can find and fix what stopped the charge
Go to Cash, then Activity in the nav bar, and tap the charge with its amount struck through and the status 'Blocked' or 'Failed'.
Tap 'Notes & bill pay details' to read why looch stopped the charge.
Tap 'Go to Smartcard' to open the Smartcard.
Check whether the Smartcard’s switch reads 'On' or 'Off', then touch and hold 'Spending limit' to see how much of the limit is used.
Fix what stopped the charge by changing 'Spending limit', 'Spending days', 'Merchant restrictions', 'Category controls' or 'More controls', or by switching the Smartcard back on.
Smartcard controls can block a charge
looch notes say whether the Smartcard’s controls stopped the charge or the Smartcard was off. Controls include 'Spending limit', 'Spending days', 'Merchant restrictions', 'Category controls' and 'More controls'. You can also review Smartcards and their spend management controls.
Spending limits follow their own reset schedules
Limit | What happens |
Daily | Resets every day at 5:00 am ET |
Monthly | Resets on the first day of the month at 5:00 am ET |
All-time | Stops the Smartcard from working once the amount is reached |
Switch access depends on your role
Smartcard switch access lets executives turn any Smartcard on or off. A Manager can’t switch their own Smartcards, and anyone else needs the Smartcards permission. A locked card can show 'Smartcard is locked' when an executive or manager turned it off.
Common Smartcard questions
Why does my Smartcard charge say 'Blocked'?
looch shows 'Blocked' when the Smartcard’s controls or its switch being 'Off' stopped the charge. A decline for any other reason shows 'Failed'.
How do I see how much of my Smartcard limit I’ve used?
A Smartcard shows its used amount when you touch and hold 'Spending limit'. The tile turns light red at 80% used and red at 95% used.
Why was my Smartcard declined on a Saturday?
A Smartcard set to 'Weekdays only' is off from Friday at 8:00 pm ET until Monday at 5:00 am ET. Choose 'Smartcard is always on' under 'Spending days', then tap 'Apply' to keep it on through weekends.
Can I turn my Smartcard back on myself?
Smartcard switch access depends on your role. Executives can always switch a Smartcard on, while a Manager can’t switch their own Smartcards and anyone else needs the Smartcards permission.
Why was my fuel purchase declined?
A Smartcard fuel purchase can be declined when its daily limit is below $100 and the dispenser doesn’t support custom hold amounts. Those dispensers use a default hold of $100.
Help is available in the looch app
Sign in, tap the help button at the top right of the dashboard, then 'Messages'.
About looch
Get the most out of looch, the financial operating system for your business. looch is a mobile app available on the App Store and Google Play.