Credit card declined codes

 

When processing a credit or debit card transaction, you may encounter a variety of refusal codes, each of which Sep 6, 2023 · Credit cards can be declined for a number of reasons, like missed payments, fraud, travel or expiration. 65 - Exceeds Withdrawal Frequency Limit. Ask the customer for another form of payment and have them contact their bank regarding the declined card. Do not honor the transaction. Apr 2, 2024 · Here are 10 reasons why your card may have been declined: 1. 01: Refer to issuer; 02: Refer to issuer (special condition) 03: Invalid merchant; 04: Pick up card (no fraud) 05: Do Nov 11, 2020 · Below are the common credit card decline codes and explanations. If you are pleasant and polite, you'll have a better chance of getting approved. 02 Refer to issuer’s special conditions: Similar to code 01, the cardholder needs to contact their Oct 2, 2023 · If not, contact customer service to ask that a new card be sent to you. 1. 51 – Insufficient funds. Jun 5, 2024 · The credit card declined code 51 is one of the most common responses a merchant receives. 43: HOLD-CALL—Stolen card. 44: HOLD-CALL—Pick up card. com or 800. The cardholder will want to use an alternate card or contact their bank. It is one of the most common and general decline messages for transactions that the issuing bank has blocked. Send a credit card transaction with account_number=1111111111111111: U21: BAD START DATE: The start date of the submitted schedule is in the past or is not in MM/DD/YYYY format. Jun 9, 2021 · When you get one of these response codes, you’re going to have to ask the customer to provide a different payment method: 5 - Do Not Honor. 15005: Processor decline: Your card issuer, not PayPal, declined this transaction. October 04, 2017 09:52. Contact the cardholder, retry later, or seek support from your payment processor for resolution. What it means. Mar 13, 2024 · 0005. The merchant should attempt another card. 01. 15006 errors occur when a hold exists on the card or the card-issuing bank's system has flagged it. The card issuing bank has declined the transaction because of an incorrectly entered credit card number or a number that doesn’t exist. Incorrect payment information provided. ) prevented the trans-action without a specific reason. Although it can be inconvenient, as a customer, it is essential to understand what a decline code 57 message means and how it affects you. Advise the customer to contact their card issuer. Although it accounts for the most reasons that payment can’t be processed, it Sep 15, 2022 · Here are 10 common reasons a credit card may be declined – and what to do if it happens to you. Aug 2, 2023 · Credit card decline code 05 is a message you receive from the customer’s credit card issuing bank. If you get this code, capture the card (take it from the customer) and contact the issuing bank. CODE. There are a few main reasons that a do not honor code are fired, some offering a bit more clarity than others: The customer has a hold on their card. If you splurge on a spending spree or use your What are credit card declined codes? Credit card declined codes are signals from your payment processor that indicate a credit card transaction has failed to go through. 02. It has not been flagged for fraud. Your large purchase was flagged as fraud. Transaction Approved. 251 (*) Lost card: Hard Decline: A lost card should be reported and Aug 2, 2023 · Possible Reasons You’re Receiving Decline Code 02. Your credit limit is the maximum amount of money your card issuer will allow you to spend on your credit card at any given time. " RPCT: 512: C "Service not allowed" RPCT: 513: C "Decline. For Example number 4 for Visa credit cards, 5 for MasterCard, 6 for Discover Card, 34 and 37 for American Express and 35 for JCB Cards. List of common credit card declined codes. The card has not yet been activated. When you see a decline code 01, There’s not much information you can give your customer other than they should call their bank. This could put you at risk of a chargeback Jan 23, 2024 · Make sure the credit card number and verification code (usually on the back of the card) are correct. These reasons may range from technical issues at the issuing bank to insufficient funds on the customer’s card. 49: The Card Was Declined: The customer’s card issuer has declined the transaction as the credit card is not enabled for online transactions. If you have a credit limit of $5,000, for example, and a balance of $4,800, a SSL codes SSL codes When a transaction is declined at the authorization centre a declining code is printed on the receipt. The customer will see a message saying “auth declined 200” or something similar on the checkout page or the payment confirmation page. Ask your buyer for another card. Regardless of the type of credit card machine used, specific decline codes, such as declined 57, tell the merchant why the system will not accept a transaction and what they should do to resolve the matter. When you get this decline code, it’s not a good idea to try to process the card again without voice authorization. DECLINED CALL FOR AUTH. Nov 6, 2023 · It is entirely up to the issuer whether you are worthy of a new credit card. Most credit card numbers are 16 digits long. Decline 3012 - Your request has been declined by the issuing bank because the credit card expiry date submitted is invalid. 62 - Counterfeit Transaction. Contact Customer Service. 914. The following are the response messages sent back to you during the authorization process, and can help determine your next action—approval, exception or If the card issuer declines a payment, Stripe shares some of the decline information we receive. Approved, account type specified by card issuer. MESSAGE/DESCRIPTION. Credit cards Oct 20, 2020 · INVALID CREDIT CARD NUMBER: The provided credit card number is invalid. Pick up card: Hard Decline: This message means the card issuer is alerting you that a transaction is being attempted on a card the issuer would like back. See US ACH decline codes for ACH transactions. Credit card declines are classified into two: soft declines and hard declines. 3. 7. ) prevented the transaction. This code can be a wild card, indicating a variety of potential problems. By being proactive, you can prevent potential revenue loss and maintain customer satisfaction. The cardholder may need to verify personal information or update their account status. When you’re delinquent on payments, your credit card issuer can choose to decline your purchase for any amount, even if you haven’t hit the credit limit. Ask the customer to use a separate card or to contact their bank. The transaction could be blocked by the customer's card issuing bank or by your payment processor. Mar 10, 2024 · Most common reasons your credit card is declined. 05. 01: Refer to issuer; 02: Refer to issuer (special condition) 03: Invalid merchant; 04: Pick up card (no fraud) 05: Do Feb 23, 2024 · Credit card codes are alphabetical and/or numerical tokens that signal to merchants that the customer’s transaction has been approved or declined by the issuer. This is a “hard decline. The card expired or has been stolen; Could result in a “hard decline”, where the business should take the customer’s card. Sep 19, 2022 · A credit card decline code is a negative message issued in response to a request for authorization during a transaction. If you're traveling internationally (or even domestically) and use your card, your credit card issuer may assume that your card was stolen and lock your account. This information is available in the Dashboard and through the API. 54 – Expired card. Approved for partial amount, account type specified by card issuer. 43. ReCo (Response Code) Explanation. Soft declines are transactions that are approved by the issuer but encounter other issues with the transaction while hard declines are requests denied by the issuing bank. Jul 8, 2020 · The issuing bank has declined the transaction as the credit card owner has reported this card as stolen. If you travel without notifying your credit If not, refer to the phone number on the back of their card to call their credit card company to inquire what the issue is. Here is a list of each credit card carrier and their first numbers: 3 – American Express 2. 200 Series. ”. Invalid amount (didn’t input amount correctly) Insufficient funds on the card balance. The transaction was declined by the issuing bank, not PayPal. Prevent false credit card declines. 000-099 Accepted 000 Accepted 001 Check ID 002 Accepted for partial amount Jul 8, 2020 · Stolen Card: The issuing bank has declined the transaction as the credit card owner has reported this card as stolen. 05 / Do not honor: The customer’s bank won’t let this payment go through. However, this is likely due to suspicious activity: a card that’s lost/misplaced or fraud. Transactions that have passed through your gateway (without being blocked) might still be declined if they fail one of the processor’s fraud checks. These codes are generated when a transaction is rejected by any of the parties involved in processing the payment, such as the issuing bank, payment processor, or credit networks. Refer to the following table for the response code categories, their description Aug 2, 2023 · Each major credit card provider has its own number that every card they issue must start with. This means that the credit card issuer declined the transaction and sought to get hold of the card. 00. 51: DECLINE—Insufficient funds. Decline Code 04: Pick Up Card (No Fraud) Decline Code 05: Do Not Honor. PARTIAL. 14 / Invalid card number: There might be a typo somewhere. This code means that the issuing bank has declined the transaction. Reached/exceeded spending limit. This decline code means that your credit card company needs additional information to approve the transaction. SUCCESS. Tia. If you reach your credit limit or make a purchase that exceeds your available credit, your card may be declined. Ask the customer to call their bank to find out why the card was declined. Feb 27, 2024 · Here’s an overview of common credit card decline codes, including potential fixes: 01 Refer to card issuer: Contact the card issuer for further information. 5981, option 2. 51. Authorization – Category 11. 01: Refer to issuer; 02: Refer to issuer (special condition) 03: Invalid merchant; 04: Pick up card (no fraud) 05: Do Sep 4, 2023 · Your Wells Fargo credit card could have been declined for several reasons, such as the card not being activated or not having enough available credit. If you see this error, please contact ADP Payments Customer Care immediately at When this happens, the payment processor or the gateway will return a default response of auth declined 200 to the merchant. The credit card decline Code 02 instructs the cardholder to refer to their issuer for a special condition. Visa Reason Codes Quick Reference Guide. You're traveling. The transaction is declined by a notification given by the bank or the credit card company. Consumer Disputes – Category 13. 54 - Expired Card. 04. Categories: News, Payment Processing. If your client does not believe their card should have declined or you are unsure what the decline means, advise them to call the 1-800 number on the back of the card for more information. The following decline codes are mapped to this refusal reason: "62: Restricted Card". Reason Code. 15006: Processor decline Oct 18, 2023 · List of card decline codes. Description. SIC credit card decline codes don't happen often when accepting payments, which is why some merchants may not think to research theirs. 04 – Pick up card (no fraud) 05 – Do not honor. American Express cards are 15 digits long. This code tells you the reason why it has been declined. The issuing bank (Visa, Mastercard, etc. Revocation Of Auth. It means that the bank is not willing to accept the transaction. The cardholder has missed payments. It can occur for several reasons, such as insufficient funds, incorrect card information, or an expired card. Mar 17, 2020 · Response Code 04 – Pick up card (Not Fraudulent) – There is an issue with the card and you should dial 1-800 number to learn the exact problem. Below is a list of the card decline codes that may appear if a processor determines that a transaction cannot be processed. List of card decline codes. Response code categories will help improve your authorisation rates and enhance the overall transaction processing experience with your customers. It's important to contact your credit card company as soon as possible to resolve the issue. This allows you to address the issue promptly and reach out to the customer for resolution. In addition to the credit card number, you need to enter a verification code. Before your anxiety rises, contact the customer service phone number listed on the back of your HOLD-CALL—Lost card. Cause - This response code is returned when an invalid credit card expiry date is used for the transaction. 74 – Late Presentment. 05/Do Not Honor – The issuing bank is not allowing the transaction to continue for an unspecified reason. It could be caused by a credit card account-related problem or billing address. 49. The credit card hasn’t been activated. Double-check the card details and try processing again. 26. "62: Invalid card in this country". You can try to charge this card again after 24 hours. For every transaction processed on your account, there’s a response code that indicates whether a transaction was approved or declined by the consumer’s bank. Jun 8, 2023 · Code 01: Call Issuer. Re-enter it and try again. A simple call will help clarify why the card issuer has blocked the transaction. Try the transaction again. To resolve the problem, ask the customer to contact their bank and then try again. When viewing a failed credit card payment’s Transaction Details screen for a configuration failure, the transaction Status will be “Failed,” the Reason Description will be “INVALID CV NUMBER” and the Authorization Code will be “ERR‐7” as shown below. Fraud – Category 10. The transaction was declined because the CSC entered does not match the credit or debit card. You should advise the customer to contact their issuing bank for further This card has been declined too many times. 6. 14 - Invalid Card Number. Before a transaction is considered successful, it goes through various stages and parties within the payment flow, which includes the payment gateway, acquirer, card schemes and issuer. Occurs when the debit/check card being used is not tied to a Savings Account. Indicates that the shopper requested to stop a subscription. The codes below apply to credit cards. The customer’s card issuer has declined the transaction as the credit card is not enabled for online transactions. Common reasons why Wells Fargo credit cards get declined: A Complete List of Credit Card Decline Codes. May 14, 2024 · 2. But a quick call to the card’s issuer can get your purchasing power back. You’ve Reached Your Credit Limit. Decline code 05 means “Do not honor” the purchase. Unless the response from the processor is Here are some common decline reasons along with their associated Response Reason Codes: 2: General decline by card issuing bank or by Merchant Service Provider. But just one declined payment can be a frustration when Credit Card Number does not match method of payment: There may be an issue with the customer’s credit card or a temporary issue at the card-issuing bank. If the transaction is still declined: Ask for another form of payment. " RPCT: 514: C Generally the fully numeric Response Codes are defined by the bank or acquirers only. 41 – Lost Card. Do not honor. Nov 4, 2021 · 04/Pick Up Card (No Fraud) – This credit card has been reported stolen or lost. Find a list of common codes and their explanations, as well as tips for avoiding declined transactions. Sometimes, issuers provide specific explanations, such as an incorrect card number or low funds. If your card issuer suggests setting travel notifications, alert them that you're traveling ahead of time COMPLETE LIST OF CREDIT CARD DECLINE CODES Code Label The Problem The Fix 01 Refer to issuer The issuing bank (Mastercard, Visa, Discovery, etc. Transaction not permitted to acquirer or terminal. If you have questions regarding credit card processing, contact our customer service team at customerservice@retailers. Nov 7, 2019 · List of Credit Card Declined Codes Explained. Westpac uses response code categories to help you and your customers understand why a transaction has been declined. This occurs when a payment can’t be processed for a specific reason; it may be declined by the processor or payment gateway, or by the customer’s issuing bank. Hard: 2052: Invalid level III Purchase: Level III Data is inaccurate Credit Card Decline Codes: A Comprehensive Guide for Merchants Credit card decline codes occur when a transaction cannot be completed for various reasons. 563. Aug 1, 2020 · 37 – Contact Acquirer Security Department. Declines are made by the card-issuing bank, rarely by your software. 53: NO SAVE ACCOUNT. Don’t run the transaction again. It's important to investigate the cause, such as insufficient funds, expired card, fraud protection, or technical issues. Card issuer’s categorize most declines as generic Mar 21, 2023 · Download/Print/Display the most common decline codes in your store. Card Verification Data (CVD) codes are the three or four-digit codes on the back of the payment card that are used to further authenticate the consumer during a card-not-present transaction. INVALID CREDIT CARD NUMBER: The provided credit card number is invalid. Credit Card Decline Code 01: Refer to the Issuing Bank. A decline code 57 message indicates that the customer’s issuer has declined their payment. The card’s spending limit has been Oct 18, 2023 · List of card decline codes. In this case the card holder may have lost the card, it has been stolen or the issuing bank has closed the account. The potential causes for you to receive a credit card declined code are numerous, and can include: The card has expired or was cancelled. Processing Errors – Category 12. Possible reasons for a credit card declined code 05. Check the credit card number carefully and enter it again. You can receive declined credit card codes for a number of reasons: Expired or canceled credit card. You’ve reached your credit limit. Your customer should contact the bank that issued their credit card (issuing bank). The reconsideration line phone numbers Aug 2, 2023 · List of Credit Card Decline Codes: The Ultimate Guide to Bank Response Codes > you’ll attempt to process a credit card and the transaction is declined. Being behind on payments. Jun 19, 2023 · "Try again later - Declined" RPCT: 509: C "Do not try again - The card has expired" RPCT: 510: C "New Account Information - The card has expired" RPCT: 511: B "The card has expired. The transaction is declined. Mar 11, 2024 · Some credit card issuers even allow you to use their app to notify them of your travel dates in advance. Mindbody Payments decline codes (All Regions) Below you'll find explanations of credit card decline codes you will see displayed in your site as well as potential solutions. A large purchase that doesn’t fit your spending patterns may appear suspicious to your credit card company, so they may decline the transaction. Oct 30, 2023 · Double-check what is entered and ensure it wasn’t negative or included incorrect symbols. Customer would need to contact their bank or the customer can use a different card. Decline codes such as the following are mapped to this refusal reason: "R1: Revocation of Authorization Order". Jun 8, 2023 · Reason Code. Code 05 – Do not honor: This means the card issuer has declined the transaction without providing a specific reason. Approved but fees disputed. A 00 approval response or a decline response code generated from the credit card processing networks and the customer's issuing credit card bank. 30 – Services Not Provided or Merchandise Not Received. The card-issuing bank may also have declined the transaction due to a lack of funds. Ask for a separate card to complete the transaction and/or ask the customer to call their credit card bank and figure out why the transaction was declined. A valid credit card number can be easily generated using credit card generator by assigning different number prefixes for all credit card companies. Decline Code 02: Refer to Issuer (Special Condition) Decline Code 03: Invalid merchant. 983. For more specific reasons why the processor declined these transactions, you can review the AVS and CSC values in the API response. Each code denotes a different reason for why a payment has been declined. May 8, 2024 · What are credit card decline codes? Credit card decline codes are two-digit, alphanumeric codes that indicate the reason why a credit card transaction has been declined. This fraud is the one that is declared by the payment processor, hence, less in your control. The issuing bank has declined the transaction as the credit card owner has reported this card as stolen. 01 – Refer to issuer. 300 Series. The customer has multiple denied payments on their card in a row, so it has been locked until the customer contacts the bank. Get the new expiration date and try again. Sep 6, 2023 · AVS Code Meaning Matched details; A: Address: Address only (no ZIP code) B: International "A" Address only (no ZIP code) C: International "N" None. 02 – Refer to the issuer, special condition. Credit cards Sep 18, 2023 · What does a “do not honor” refusal code mean? “Do not honor” is a generic decline code that the issuing bank sends to the business during a transaction. May 13, 2024 · The 'Do Not Honour' decline code can indicate a transaction rejection due to a credential mismatch, such as an incorrect CVV or billing address input. The 05. Transactions that were received by the gateway and forwarded to the merchant processor and then declined. 70 - Card Recovery Bulletin. 04 Pick up card – The cause of this code is that the issuing bank has blocked the transaction. 0006. – This response is only returned if the enhanced cancel button functionality is enabled within the Hosted Paypage configuration. This cannot be overridden without contacting the issuing bank or correcting a problem at the processor level. Sometimes, customers mistakenly provide inaccurate payment details during transactions. Decline code 51 is the processing response for insufficient funds, or an exceeded credit limit. 4: Card reported lost or stolen; pick up card if physically available. 15. Jun 7, 2022 · Credit card decline codes are issued for a wide range of problems, the most common being: Issuer system unavailable (technical glitches in the system) Invalid card number (someone entered the number incorrectly) Invalid service code. 02 – Refer to issuer (special condition) The codes below apply to credit cards. Getting a different code, view this complete list of credit card decline codes. This is a sign that something is wrong with the cardholder’s card or their account. Response Code 05 – Do Not Honor – The customer’s credit card company informs you not to honor this card. Your The specific code returned indicates the type of problem that caused the transaction to fail. Feb 1, 2023 · Typically, decline codes refer to an issue on the cardholder’s end rather than the merchant’s. Occurs when the debit/check card being attempted is not linked to a Checking Account. ACH, SEPA , Bacs DD, BECS DD, and PAD declines won't be as detailed as the credit card declines below, but you can contact Merchant Support if you need further details. For most cards, like Visa, Mastercard, and Discover cards, it's the 3 digit Nov 13, 2020 · 00. Call the bank and ask them to explain the issue 02 Refer to issuer (special condition) The customer’s bank prevented the May 30, 2023 · Here are some of the most common explanations: 1. We suggest reaching out to your customer to make sure they have entered all of their information correctly and that there are no issues with their card. We show these as decline codes. List of common credit card declined codes 01 – Refer to issuer. Some of the most common reasons to get a declined code are: Reached credit card limit; Credit card is expired Jun 8, 2021 · Learn what credit card decline codes mean and how to resolve them. 1007. Feb 19, 2024 · Key points about: declined credit cards. Schedule start dates must be today's date or greater. The Card Was Declined. Implement a system that notifies you promptly when a credit card transaction is declined. 3: Referral to card issuing bank for verbal approval. The best way to find out exactly why your card was declined is to give customer service a call at (800) 642-4720. Transaction cancelled by cardholder – The response code indicates that the cardholder pressed the transaction button. Set up automated decline code notifications. Stolen Card. Ask for an alternate card or suggest the cardholder to call their bank as soon as possible. Refer to Card Issuer - customer’s bank (Card Issuer) indicates possible issue with the card number. This can be due to several reasons, including suspected fraud or an incorrect CVV code. One of the most straightforward reasons your card could have been declined is that you’ve hit the card's Nov 8, 2021 · Here are all the credit card decline codes associated with fraud: Code 7 — Pick up the card, special condition (fraud account): Jun 3, 2024 · Credit card decline codes. In such cases, during the authorisation stage, if the billing address doesn't match the one linked to the Dec 6, 2022 · A decline of Restricted SIC or Restricted Card may indicate the cardholder’s bank has deemed your business unsuitable for the type of card being used. Similar to Decline Code 01, the financial institution that issued the card is declining the transaction. Credit card decline codes are provided by card issuers to indicate the specific reason why a payment was declined. 57 - Transaction Not Permitted to Cardholder. . 0008. Sep 6, 2023 · Credit cards can be declined for a number of reasons, like missed payments, fraud, travel or expiration. Have the customer attempt the transaction again – if the decline persists, ask for a different card or payment method. There are two main types of response codes: response codes from your processor and response codes from Bambora. 52: NO CHECK ACCOUNT. Below are the most common credit card decline codes and what they mean. 51 - Insufficient Funds. D: International "X" Address and Postal Code: E: Not allowed for MOTO (Internet/Phone) transactions: Not applicable. Jun 5, 2020 · When viewing a declined credit card payment’s Transaction Details screen, the Status will show as Failed, with a Reason Description of DECLINE and one of the Authorization Codes below: All other failures will have a reason description of Declined and the Authorization Code field will display a short description of the decline reason. 14. The transaction is declined by the issuing bank as the account type is invalid for this card number. Aug 2, 2023 · The "XXX" likely represents a specific reason or code for the decline. Sometimes when you enter your credit card details, you might inadvertently mess up a few of the numbers Nov 30, 2022 · If you’re an authorized user and the primary cardmember removes you or reports the card as lost or stolen, your card may be declined. 54: EXPIRED CARD—Card Aug 2, 2023 · A decline code represents one of a list of about 100 codes used that give the reason for the denial of a credit card transaction. Aug 12, 2021 · What are Credit Card Declined Codes? Credit card declined codes are given when a credit card transaction does not go through. It could be due to suspicious activity on your account or by entering incorrect information. Invalid Card Number. This means that the transaction is not approved and the payment is not processed. bi qh sh hh qr hz kd qu zb kd