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You’re not alone. I’ve been having the exact same problem with Paxum for over a month now.
Everything used to work fine, but now—at almost every ATM (especially RBC, TD, and Scotiabank)—the entire process goes through, only to end in a decline or a cancelled transaction right at the very end. Meanwhile, the card shows as active in the app, and there is a balance available.
Paxum support keeps giving me the same canned response: "use ATMs displaying the UnionPay logo." I’ve already written to them three times explaining that in Canada, 95% of ATMs don't display any international logos at all—only Interac. They simply ignore this fact and keep copy-pasting the same generic text.
The AI you quoted is most likely right. It really does seem like Canadian banks have implemented some backend changes regarding how they process UnionPay transactions. A lot of Paxum users are currently complaining about this exact same situation.
For now, the workarounds I’ve seen people using include:
Trying small, independent ATMs (not the major banks).
Using ATMs located in Chinese neighborhoods (UnionPay sometimes works better there).
Some people are transferring funds to crypto first, and then withdrawing from there.
Which city are you running into this issue in? Maybe a local can point you toward some ATMs that actually work.
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