Takealot - Inadequate payment validation for fnb virtual credit card transactions

I am complaining to formally express my frustration and disappointment regarding a persistent issue I encountered while attempting to make a payment on your platform. The issue revolves around the inability to complete a purchase using my FNB virtual credit card on the "Budget Facility" option. My transactions were repeatedly declined, displaying the message: "Transaction Failed or Declined."

Initially, I assumed this might be a temporary issue on FNB's side, so I contacted their secure chat support. They informed me that it was a problem they were investigating and assured me that they would notify me once the issue was resolved. After further communication and follow-up, I was eventually informed that the actual problem is that "Budget Facility" transactions cannot be processed on an FNB virtual credit card. FNB explained that the only workaround would be to complete the transaction on "Straight" and then manually transfer the amount to the "Budget Facility" once the merchant has settled the payment.

This process has proven to be incredibly inconvenient and time-consuming. What frustrates me further is the complete lack of proper validation messaging on both the FNB and Takealot platforms to inform users about this restriction. Instead of receiving a clear and actionable message explaining why the transaction was declined, I was left in the dark, wasting considerable time trying to troubleshoot the issue and repeatedly contacting FNB support.

Still waiting for a response from Takealot!