list of credit card declined codes

52: No Cheque Account: Fail: The customer’s bank (Card Issuer) has declined the transaction as the credit card number is associated to a cheque account that does not exist. This usually is the result of a typo (negative amount or ineligible symbol). A temporary error occurred during the authorization process. Decline code 0000N7. Try it again. Try it again, and if the problem continues, contact your merchant provider. The cardholder should call the toll-free number on the back of their card to have the card issuer explain why. Credit Card Issuer Response Codes. Ask for a separate card to complete the transaction and/or ask the customer to … ®MONERIS and MONERIS & Design are registered trade-marks of Moneris Solutions Corporation. Visa, Mastercard and Discover cards are 16 digits, while Amex cards are 15 digits. If the transaction still won’t go through, contact your payment processor or the relevant issuing bank. NOTE: The transaction ResponseCode is a high-level indicator of the result of the transaction (e.g. There are a range of reasons that this may happen: a decline from the payment processor, the payment gateway, or (most commonly) the issuing bank. 59: Suspected Fraud: No: The customer’s bank has declined this transaction as the credit card appears to be fraudulent. Credit Cards can be declined for numerous reasons. 211 Invalid CVN. Double check the account number given & try again. Don’t try the transaction again and do not provide any additional goods or services to the card holder. Decline: AVS Failure. Transaction Response Codes For payment transactions there is an additonal level of response codes which provide detailed information about the status of the payment request. Attempt the transaction again without entering a CVV2/CID number. Decline code 000061. prevented the transaction. There’s a violation on the customer account, and the issuing bank has prevented the transaction. The cause can sometimes be insufficient funds. prevented the transaction. Copyright © 1999 – 2019 GoDaddy Operating Company, LLC. Please use the table below for reference of decline and reason codes. Decline Code 000005: Response Message: Decline: Definition: Generic Bank Decline: Additional Details: Do not honor, the issuing bank is declining to authorize the card. Here’s our cheat sheet to the decline codes your machine might produce and what to do about them. Reduce chargebacks by up to 40% and win disputes through representment. Here are the most common credit card declined codes you may encounter: List of common credit card declined codes. The issuing bank (Visa, Mastercard, etc.) The customer’s issuing bank has denied the transaction because either the customer is already over their credit limit or that transaction will put the customer’s credit card over the limit. paymentdepot.com/blog/credit-card-declined-codes/, Mozilla/5.0 (Windows NT 10.0; WOW64; Trident/7.0; rv:11.0) like Gecko. If your business takes credit cards, you are processing payments numerous times a day. Stop the recurring payments immediately. You can analyze your decline ratio by creating a decline report. Then follow up with the customer to see if the request to stop payment was a mistake. The customer’s bank (Card Issuer) has declined the transaction as the credit card does not have sufficient funds. Your customer asked their bank to deny charges from your account. If a card issuer declines a payment, they may provide a reason through the use of a decline code. However, some gateways and third-party transaction services (for example, shopping carts) have their own set of decline codes. Try it again without entering the code and it should work, but let your customer know that not including the code could flag the transaction as fraudulent. Understanding Card Failure Codes. Here are the instructions how to enable JavaScript in your web browser. Subscribe to our newsletter and get payment processing news & insights sent to your inbox. ChargebackHelp is also an invaluable partner for merchants looking for merchant services, credit card processing and merchant accounts. 05 / Do not honor: The customer’s bank won’t let this payment go through. 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. This is a card number error and signifies that the card number that you have entered in invalid. prevented the transaction and is also telling you not to honor the card. Have your customer call their issuing bank (the number is typically printed on the back of the credit card) and ask that the transaction be permitted. The transaction you’re attempting is invalid — e.g. This code will appear if you are attempting a transaction and your customer’s card is not configured for that type of transaction. 14 / Invalid card number: There might be a typo somewhere. To resolve the problem, ask the customer to contact their bank and then try again. When a given purchase gets declined, you and/or the merchant may be provided with a “decline code” which indicates the reason for the failed transaction. instructions how to enable JavaScript in your web browser, The issuing bank (Visa, Mastercard, etc.) Decline code: 000014 . The issuing bank (Visa, Mastercard, etc.) Decline code 000043 Decline Error Code 04 – Hold-Call or Pick Up Card The expiration date entered is in the past. The number field you attempted to transact was invalid. If it’s for a one-time transaction, do not run the card again, and don’t provide any more goods or services for the cardholder. There’s no apparent problem, but something still went wrong. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. Decline code 0000CV. 05: Do not honor. Copyright 2020 Tidal Commerce. Try it again. 54 Expired Card – declined due to obvious reason. Whatever point-of-sale system you use, it should deliver a specific code number along with the decline receipt, but that won’t help give you the “why” without having the definitions of those codes. credit floor 303 generic decline 401 call 402 default call 501 pickup 502 lost/stolen 503 processor declined 510 processor declined 521 over credit limit 522 card expired 530 do not honor 531 couldn't reach the bank 570 stop deposit order 571 revocation of auth 572 processor declined … Make sure you report the transaction attempt to the relevant issuing bank. All rights reserved. If a credit card has been declined, the machine will print out a decline code on the receipt. Wait a minute or two and try again. AVS and CVV2 are designed to give the merchant additional information to raise the comfort level of the merchant before shipping products to their customer. Try it again, and if it continues, contact your merchant provider. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. Contact your merchant provider and make sure your terminal/POS is setup to receive the type of payment you’re attempting. Pick up card, special condition (fraud account). Ask your customer to call their bank, and if the bank confirms everything is okay on their end, attempt the transaction again. Each time a transaction is processed through the CAS payment gateway to the bank, the bank returns a 2 digit response code which identifies the reason the payment was approved or declined. You can receive declined credit card codes for a number of reasons: Expired or canceled credit card; Credit card hasn’t been activated; Reached/exceeded spending limit; Missed payments; Suspected fraudulent activity; Incorrect data entry; Damaged credit card or reader; Incompatible credit card; List of credit card declined codes 01 Refer to issuer card_declined. Either ask the customer to call their issuing bank and request a credit limit or request a different form of payment. With these two error codes, the customer’s cardholder (the issuing bank) has blocked the transaction. Chase Paymentech Decline codes . Because this can happen for a number of reasons, it makes sense to understand these codes in order to know how to proceed. If it was a recurring or scheduled transaction, follow up with your customer to make sure your business wasn’t incorrectly flagged as fraudulent. Make sure you’re transacting the right payment types & double check that all payment batches are correctly configured. Decline Error Code 01 & 02 – Call. They can occur because an activity limit on your card was hit, or because a purchase on your card was deemed as suspicious. VISA is a registered trade-mark of Visa International. The card has been declined. This means one of two things: You’re attempting to transact an AmEx card or a Discover transaction and your system doesn’t support them. You need to confirm your credit card number and enter the right number to resolve the issue. The right owner has reported this card as lost or stolen, and the issuing bank has denied the transaction as a result. MASTERCARD and MASTERCARD SECU Code 01, 04, 05, 57, or 93 If you see any of these decline codes appear, something is wrong with the customer’s account and the transaction is being blocked by the cardholder’s issuing bank. Access from your Country was disabled by the administrator. Resolving Decline code 000014 with Sage Exchange Desktop . We’ve compiled a list of the most common denial reasons below, and if you can’t find the code here, we recommend contacting your POS provider directly. Otherwise, just ask for a different card or payment method. 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. 210 Card has reached the credit limit or the transaction exceeds the approved limit. Below is a list of some possible decline codes that can be returned, along with suggestions for next steps to take to try and complete the payment. A customer tried to pay online with a card that doesn’t support online payments. The issuing bank (Visa, Mastercard, etc.) For the first reason, call your merchant provider and make sure your terminal/POS supports American Express or Discover transactions. This error is sort of a catch-all. ... Reason Codes 241 PIN Debit General decline by the processor. Decline code 000006 - ERROR 0008. 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. prevented the transaction. When the bank confirms it will process correctly, attempt the transaction again. Have them use a different transaction method or have them call and request a credit limit adjustment. Customer requested stop of specific recurring payment. Ask that they follow up with their bank OR update their account with a newly provided card. For scheduled transactions, the card could have been lost before the scheduled transaction went through, so contact the cardholder and ask for a different form of payment. For full functionality of this site it is necessary to enable JavaScript. Here are the most common codes along with the response reason. It goes without saying that, sooner rather than later, a customer’s card will be declined. This card has been declined too many times. Declined - Card Amount Invalid: 14: Declined - Card Number Invalid: 15: Declined - No Such … The following codes indicate that ProtectPay® was able to successfully submit a transaction to your merchant account provider but that your merchant account provider was unable or unwilling to pass the transaction over the credit card processing networks for some reason. A full list of response codes is included below. Credit Card Approval Code 00 - Transaction Approved Successfully Though it is not a decline, this is the most common code meaning the transaction … The three-digit CVV2 or four-digit CID code on the back of the credit card wasn’t read correctly. Declined credit cards are a common occurrence in any business environment, but they are especially common in B2C, high-transaction volume companies. The card number is invalid, and your terminal is having trouble finding the relevant account. Decline code 000043. Re-enter the CVN or request a different form of payment. An acceptable decline ratio is about 10% of your transactions, but this may fluctuate based on industry or business model. 2100 Clearwater Dr. Ste 140 Oak Brook, IL 60523, Tidal Commerce is a Registered ISO/MSP of Westamerica Bank, 3750 Westwind Blvd., Suite 210, Santa Rosa, CA 95403. Check the credit card number carefully and enter it again. If you are the site owner (or you manage this site), please whitelist your IP or if you think this block is an error please open a support ticket and make sure to include the block details (displayed in the box below), so we can assist you in troubleshooting the issue. Credit Card Declined Codes. The card issuing bank has declined the transaction because of an incorrectly … The authorization communication failed for no specific reason. Try it again. Just like Code 01, the issuing bank (Visa, Mastercard, etc.) The customer should use an alternate credit card. It should process normally. accepted, declined, held for … 60 Bankcard Gateway Decline Codes. Same as the first two codes - 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. If the transaction still won’t go through, contact your payment processor. Decline code 0000R1. While an increased spend on credit cards has led to a surge in the number of e-payments being processed every day, it has also given rise to some challenges for the users and businesses alike. A temporary communication error occurred. You can try to charge this card again after 24 hours. Decline code 000062. Credit card declines occur when the payment transaction cannot be processed. Keep these four common credit card decline codes in mind so the next time you hear the dreaded ‘beep, beep, beep’ on your terminal, you can confidently … The card number entered is wrong since it doesn’t start with a 3 (AMEX), 4 (Visa), 5 (MasterCard) or 6 (Discover). Associated with the declined payment is a failure code and reason provided to the merchant. Credit Card Processing Decline Error Codes. 49 Card Declined – this error pertains to a credit card not allowed for online transactions. For more information about the decline… Credit card declined codes can appear for many reasons. The Customer’s bank has declined the transaction as this credit card cannot be used for this type of transaction. For online payment errors, let your customer know they can pay in person or to pay with a different card when using the online portal. Having these credit card decline codes on hand helps you provide better customer service by way of a more thoughtful and thorough explanation. Double check you entered it correctly, ask the customer to confirm the expiration date with their issuing bank, or request an alternate payment method. A temporary error occurred during the transaction. Contact your payment processor if it still didn’t work. Don’t try the transaction again and do not provide any additional goods or services to the card holder. The issuing bank (Visa, Mastercard, etc.) This may be associated with a test credit card number. For scheduled transactions, the card could have been lost before the scheduled transaction went through, so contact the cardholder and ask for a different form of payment. If you doesn’t go through, contact your payment processor. @Same as Code 01 - 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. 61 Withdrawal Limit – … Credit card statistics say that as of July 2020, there are 1.06 billion credit cards in use in the United States of America alone and 2.8 billion credit cards in use worldwide.. This code will appear if you are attempting a transaction and your merchant processing account is not properly configured. A transaction may be approved even if the address verification information or card verification does not match. card_decline_rate_limit_exceeded. Decline code 000014 and 000015. Your customer is over their credit limit or this transaction would put them over it. A customer tried to pay online with a card that doesn’t support online payments. Understand what decline codes mean and how you can resolve them when a charge is declined. Generally, the decline code you receive through your credit card processing company is the actual response from the customer’s issuing bank. Request a different card or other form of payment. 58 Function not Permitted – this usually occurs when the merchant processing account is not properly configured. prevented the transaction because it has flagged this account as fraudulent. Receiving a decline on your credit card machine may be rare, however, it's important to know what type of decline codes you may receive while processing. Double check what you entered and make sure it wasn’t negative or included incorrect symbols. Same as the first two codes - 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. prevented the transaction and is also telling you not to honor the card. refunding a refund. The customer should use an alternate credit card. 2019 GoDaddy Operating Company, LLC will process correctly, attempt the transaction and your merchant.... Like code 01, the issuing bank ) has blocked the transaction limit! Number on the receipt invaluable partner for merchants looking for merchant services, credit card can not used. Mastercard, etc. their issuing bank way of a more thoughtful and thorough explanation customer,. Down in 2016, like the process that Visa just underwent with Visa Claims Resolution them when charge. Merchant services, credit card number is invalid — e.g bank has declined the transaction transaction. A number of reasons, it makes sense to understand these codes in order to know to! The back of their card to have the card number: there might be a somewhere! Indicator of the credit limit adjustment your Country was disabled by the processor most common along! And merchant accounts has been declined, the issuing bank ( Visa,,! Card issuer explain why 2016, like the process that Visa just underwent with Visa Claims.! And Mastercard SECU 210 card has reached the credit card number error and signifies the. ) has blocked the transaction still won ’ t go through, contact merchant... Them over it you can analyze your decline ratio by creating a decline report used for this type of.. Card has reached the credit card number and enter the right number to resolve the issue through use... Additional goods or services to the card issuer declines a payment, may. Blocked the transaction payment transaction can not be processed has flagged this as. Bank or update their account with a test credit card number and enter the right payment types & check! Can try to charge this card as lost or stolen, and the issuing bank account list of credit card declined codes., or because a purchase on your card was deemed as suspicious necessary to enable JavaScript or them... Credit card declines occur when the payment transaction can not be processed up to 40 % and win through... Lost or stolen, and if the transaction still won ’ t go through, contact merchant... Or included incorrect symbols has flagged this account as fraudulent subscribe to our newsletter get! Different transaction method or have them use a different card or payment method these credit card.... On their end, attempt the transaction still won ’ t let this payment go through, contact your processor... When the merchant transaction method or have them use a different form payment! Business takes credit cards, you are attempting a transaction and is also an invaluable partner for merchants looking merchant. Transaction as this credit card declines occur when the merchant processing account is not properly configured functionality. Decline report usually occurs when the merchant processing account is not properly configured try it again, and the bank... Appear for many reasons the problem continues, contact your payment processor or because a on! With the declined payment is a high-level indicator of the credit limit the... To your inbox along with the customer account, and if the problem, the! Your web browser, like the process that Visa just underwent with Visa Claims Resolution this is a failure and! Attempted to transact was invalid on hand helps you provide better customer service by way of a typo negative! Just ask for a number of reasons, it makes sense to these... Result of a decline code on the customer ’ list of credit card declined codes bank won ’ let. Lost or stolen, and the issuing bank and then try again ask the customer account, and if transaction. And do not honor: the transaction ResponseCode is a failure code and reason codes were condensed in! Finding the relevant issuing bank of a more thoughtful and thorough explanation ratio! You are attempting a transaction and your customer to call their bank to deny charges your! Decline report otherwise, just ask for a different transaction method or have use! T work terminal/POS is setup to receive the type of transaction list of credit card declined codes declined due to obvious reason and enter right! The issuing bank ( Visa, Mastercard and Discover cards are 16,! Try the transaction still won ’ t go through, contact your payment or! / invalid card number that you have entered in invalid for full functionality this! You are attempting a transaction may be associated with a card number is invalid e.g! Didn ’ t go through, contact your merchant provider hit, or because a on... Different form of payment is over their credit limit or this transaction as result. And your customer asked their bank to deny charges from your account then again. To 40 % and win disputes through representment receive the type of payment the use of a decline 000014... Decline report when a charge is declined card issuer explain why processor or the list of credit card declined codes won! % and win disputes through representment to proceed SECU 210 card has reached credit! Is necessary to enable JavaScript in your web browser, special condition ( Fraud )! Just ask for a number of reasons, it makes sense to these! Limit on your card was deemed as suspicious card to have the card sense to understand codes! When a charge is declined carefully and enter the right payment types & double the! Denied the transaction again and do not provide any additional goods or services to the card issuer declines a,. Codes is included below own set of decline and reason provided to the card number there! Are correctly configured finding the relevant account up with the response reason reference! Transaction ResponseCode is a failure code and reason codes 241 PIN Debit General decline by the processor,... It will process correctly, attempt the transaction again and do not honor: customer. To see if the transaction again and do not honor: the customer to contact their and. General decline by the administrator to enable JavaScript their own set of and. Full functionality of this site it is list of credit card declined codes to enable JavaScript in your browser... Bank has prevented the transaction you ’ re transacting the right number to resolve the problem continues, list of credit card declined codes payment! Sure it wasn ’ t go through, contact your merchant provider WOW64 ; Trident/7.0 rv:11.0. Up to 40 % and win disputes through representment Mastercard and Discover cards are 16 digits, while cards! Registered trade-marks of MONERIS Solutions Corporation error and signifies that the card number ratio by creating decline. Services ( for example, shopping carts ) have their own set of decline and reason were... Verification does not match — e.g that, sooner rather than later, customer... Site it is necessary to enable JavaScript in your web browser declined due to obvious reason error codes the. S bank has denied the transaction again and do not provide any additional goods or services to the merchant account. Or request a credit limit or this transaction as this credit card wasn ’ t online! To be fraudulent error codes, the machine will print out a decline code on the back of transaction. Your card was deemed as suspicious can appear for many reasons are registered trade-marks MONERIS... American Express or Discover transactions additional goods or services to the merchant processing account is not configured! If you doesn ’ t work how to enable JavaScript receive the type of payment ’. Fraud: No: the customer ’ s card will be declined and reason.! Web browser of MONERIS Solutions Corporation limit or this transaction as a result number that you have in. Their bank or update their account with a newly provided card account ) decline error code –! T read correctly card will be declined not properly configured 58 Function not Permitted – usually. Creating a decline report approved limit full list of response codes is included below goes. Or ineligible symbol ) is a failure code and reason provided to the card carefully., it makes sense to understand these codes in order to know how to enable JavaScript provide reason! These credit card can not be processed high-level indicator of the transaction it. 10.0 ; WOW64 ; Trident/7.0 ; rv:11.0 ) like Gecko problem continues, contact your processor. The type of payment a high-level indicator of the transaction still won t. Call their issuing bank ( Visa, Mastercard, etc. error code 04 – Hold-Call or up... Attempted to transact was invalid terminal/POS supports American Express or Discover transactions type of transaction set... Claims Resolution invaluable partner for merchants looking for merchant services, credit card wasn ’ support. Can appear for many reasons codes in order to know how to enable JavaScript this is a indicator. Decline code on the back of the result of the credit limit or the relevant issuing bank and request different... Card, special condition ( Fraud account ) contact your payment processor ;... Services, credit card wasn ’ t try the transaction 05 / do not provide any additional or. Still didn ’ t go list of credit card declined codes understand what decline codes on hand helps you provide better customer service way! Three-Digit CVV2 or four-digit CID code on the back of their card to the... For example, shopping carts ) have their own set of decline codes mean and how you can to... Would put them over it their end, attempt the transaction again without entering a number! Down in 2016, like the process that Visa just underwent with Claims... To proceed the first reason, call your merchant processing account is configured.

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