💳 About PayGarden
PayGarden allows you to use retail gift cards to pay for TorGuard VPN services. However, not all gift cards are accepted. This guide will help you troubleshoot common issues and find alternative payment methods.
Quick Troubleshooting Checklist
✅ Before You Contact Support
Accepted vs Rejected Gift Cards
✅ ACCEPTED Cards
- Store-Brand Gift Cards:
- Target Gift Cards
- Walmart Gift Cards
- Best Buy Gift Cards
- Amazon Gift Cards
- Home Depot Gift Cards
- Starbucks Cards
- And many more retail brands
✓ Must be USA-purchased
✓ Must have sufficient balance
❌ REJECTED Cards
- Prepaid Credit Cards:
- Visa Gift Cards
- Mastercard Gift Cards
- American Express Gift Cards
- Discover Gift Cards
- Also Rejected:
- International gift cards
- Marketplace-bought cards
- Cards with insufficient balance
✗ Even with Visa/MC logo
✗ No prepaid credit cards
Common Error Reasons & Solutions
🚫 Error: "Card Not Accepted"
Reason: You're trying to use a Visa/Mastercard prepaid card
🌍 Error: "Region Not Supported"
Reason: Your gift card was purchased outside the USA
🔢 Error: "Invalid PIN"
Reason: Incomplete or incorrect PIN entry
- Check if your card has a scratch-off area hiding the PIN
- Ensure you're entering all digits (some PINs are longer)
- Try without spaces or dashes
- Some cards use the CVV as the PIN
🏪 Error: "Marketplace Card"
Reason: Card was purchased from a gift card reseller
- Cardpool.com
- Raise.com
- GiftCardGranny.com
- Other gift card marketplaces
💰 Error: "Insufficient Balance"
Reason: Card balance too low or doesn't cover commission
- Minimum $10 USD required for most brands
- Account for PayGarden's commission rates
- Check exact balance at retailer's website
- Consider combining multiple cards
🏷️ Error: "Brand Not Supported"
Reason: Your gift card brand isn't in PayGarden's network
PayGarden Commission Rates
⚠️ Important: Commission Information
PayGarden charges commission on gift card conversions. This means:
- A $50 gift card may only provide $35-45 in credit
- Commission rates vary by brand (typically 10-30%)
- Popular brands often have lower commission rates
- Always check the conversion rate before confirming
Minimum Balance Requirements
💵 Gift Card Minimums
| Card Type | Minimum Balance | Typical Commission |
|---|---|---|
| Most Retail Brands | $10 USD | 15-25% |
| Popular Brands (Target, Walmart) | $10 USD | 10-20% |
| Restaurant Cards | $25 USD | 20-30% |
| Specialty Stores | $10-25 USD | 15-30% |
Troubleshooting Flowchart
🔍 Step-by-Step Diagnosis
Check Card Type
Is it a store-specific gift card (Target, Walmart, etc.) or a Visa/Mastercard prepaid card?
- ✅ Store-specific → Continue to Step 2
- ❌ Visa/Mastercard → Use different payment method
Verify Purchase Location
Was the card purchased in the USA from an authorized retailer?
- ✅ USA retailer → Continue to Step 3
- ❌ International or marketplace → Use different card
Check Balance
Does your card have at least $10 USD balance?
- ✅ $10+ balance → Continue to Step 4
- ❌ Less than $10 → Add funds or use different card
Verify Brand Support
Check if your brand is listed at paygarden.com/brands
- ✅ Brand supported → Continue to Step 5
- ❌ Not supported → Try alternative payment
Enter Complete Information
Have you entered the full card number and PIN correctly?
- ✅ All info correct → Should work! Contact support if not
- ❌ Missing info → Check for scratch-off PIN area
Popular Supported Brands
Alternative Payment Methods
💳 Can't Use PayGarden? Try These:
Cryptocurrency
Accept Bitcoin, Ethereum, Litecoin, and 70+ other cryptocurrencies. Anonymous and instant.
Credit/Debit Cards
Standard payment via Visa, Mastercard, American Express, Discover.
PayPal
Quick and secure payment through your PayPal account.
Wire Transfer
For bulk purchases or business accounts.
Cash by Mail
Anonymous payment option - contact support for details.
Frequently Asked Questions
Yes, you can combine multiple gift cards to reach the required amount. Add them one at a time during checkout.
PayGarden converts gift cards to cash value, which involves processing fees and market rates. Commission covers these costs and varies by brand popularity and demand.
PayGarden transactions are final once processed. However, TorGuard offers a 7-day money-back guarantee on VPN services - contact support for assistance.
PayGarden occasionally updates supported brands and requirements. A previously accepted card type might no longer be supported, or minimum balance requirements may have changed.
Tips for Success
💡 Pro Tips
- Buy directly from retailers - Never use gift card marketplaces
- Check balance first - Ensure you have enough including commission
- Keep cards secure - Treat gift cards like cash
- Use popular brands - They typically have lower commission rates
- Consider crypto - Often faster and more private than gift cards
Still Having Issues?
If you've checked everything above and your gift card still isn't working:
- Take a screenshot of the error message
- Note your gift card brand and approximate balance
- Contact TorGuard support with these details
Include gift card type and error details for fastest resolution