ChatGPT Plus $0 first-month offer keeps declining all cards, likely risk-control block
Aggravating-Pea4806 · reddit · 2026-10-12
A user targeted by ChatGPT Plus's limited-time "$0 first month, then $20/month" offer can't redeem it: every payment attempt fails with "Payment was not approved," without ever reaching the bank's OTP step.
They tried multiple local cards, Google Pay, a UK Wise card, and a Bybit card — all declined. Notably, a normal $20 checkout from another account in the same region reaches the Visa OTP page just fine, suggesting OpenAI is risk-blocking the promotional link (region or account-based) rather than a card issue. The poster is asking whether anyone has successfully redeemed the offer; no fix surfaced yet.
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