For loan repayments, the goal is reliable recurring payments, not one-time card success.
While many debit cards can be tokenized and charged once, that does not mean they can be charged again.
Important: A debit card that can be tokenized is not necessarily eligible for recurring payments.
Token creation only confirms the card exists — not that the issuing bank allows ongoing automatic charges.
Why Tokenization Can Be Misleading
- Many banks allow a debit card to be charged once but block recurring or merchant-initiated charges.
- Gateways may return a token even when the issuer later rejects reuse.
- A successful $1 or first payment does not prove the card can be charged again.
Because of this, allowing certain cards to tokenize creates a false sense of security.
When lenders require guaranteed recurring payments, preventing these cards from being tokenized is the correct approach.
Debit Cards That Are Not Eligible for Recurring Loan Payments (RED)
The following debit card programs consistently fail recurring charges due to issuer or network restrictions.
These cards may work for one-time payments but should not be tokenized or used for autopay.
| Issuer / Program | Common BIN Examples* | Why Block Tokenization |
|---|---|---|
| Chime (Stride Bank / Bancorp Bank) | 447227xx 428730xx 479657xx | Allows one-time debit but blocks recurring and merchant-initiated charges. |
| Cash App (Sutton Bank) | 510053xx 476684xx 511346xx | Card program prioritizes consumer liquidity; recurring pulls frequently restricted. |
| Go2Bank / Green Dot | 425418xx 527346xx 533248xx | Prepaid-style behavior with frequent recurring debit failures. |
| Pathward (MetaBank) | 425418xx 535316xx | Common “invalid service code” and restricted recurring responses. |
| Evolve Bank & Trust | 494638xx | Sponsor-bank debit programs with inconsistent token reuse support. |
| Cross River Bank | 466349xx | Issuer-level recurring restrictions despite successful token creation. |
| Discover-backed Debit (Including Migrated Programs) | 6011xxxx | Inconsistent acceptance for recurring loan repayments. |
*BIN examples are illustrative and based on observed recurring payment failures. Card behavior may change as banks and networks update their rules.
Bottom line: If a debit card cannot reliably support recurring charges, it should not be tokenized or used to fund a loan.
One-time payment capability is not sufficient for loan repayment requirements.
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