It could be for different reasons, for a start it could be that you don't have the benefit active and the card doesn't let you enjoy it, which means that your company hasn't offered you the benefit. It could also be because that merchant, even if it is a food or transport merchant, is financially registered under another sector, so VISA doesn't recognize it as either of these two benefits. Likewise, it is important to note that in most cases, restaurants in hotels, Ikea, El Corte Inglés or airports will not be able to use the Cobee card. This is because their restaurants are also registered to the main trade sector. In this article, you will get all the information about invalid merchant.