Explanation
What this error means
Error 2813-2470 appears with “There was an issue processing your transaction. Contact your card issuer for more information.” The payment was declined or couldn’t be processed. It’s a billing issue between the card and your bank rather than a console fault, so the fix is in your payment details or with your bank.
Official reference: Nintendo support page for 2813-2470
Diagnosis
Most likely causes
| Cause | How likely | Fixable at home? |
|---|---|---|
| Bank declined or flagged the charge | Very likely | Sometimes — contact bank |
| Card details or billing info incorrect | Likely | Yes — re-enter / correct |
| Card expired or out of funds | Possible | Yes — update card |
| Temporary payment-processor hiccup | Possible | No — retry later |
Repair
How to fix it
Ordered easiest-first. Try the next step only if the error comes back.
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Contact your card issuer
Nintendo’s own guidance for this code is to check with your bank, which can confirm whether they declined or flagged the charge and authorise it.
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Re-check your card and billing details
In the eShop account settings, confirm the card number, expiry, security code, and that the billing details match what your bank holds.
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Use an eShop card instead
Redeem a Nintendo eShop card to add wallet funds and complete the purchase without the card transaction.
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Wait and retry
If it’s a temporary processor issue, trying again a little later — or with a different payment method — often succeeds.
Escalation
When it's not your fault
Signs the problem is on Nintendo's side — or in the hardware — rather than anything you can change:
- The card works elsewhere but the bank flagged this specific merchant.
- It followed your bank reissuing the card or changing its fraud rules.
- A Nintendo or processor status note mentions payment issues at the time.
Questions
FAQ
Why does Nintendo tell me to call my bank?
Because this code reflects a decline or flag from the card issuer’s side. Your bank can see the reason and authorise the charge in a way Nintendo can’t.
Can I buy without using my card?
Yes — redeem a Nintendo eShop card to top up your wallet, which sidesteps the card transaction entirely.
Is my console at fault?
No. This is purely a payment/billing issue; nothing on the Switch hardware needs changing.