list of credit card declined codes

Posted by in Jan, 2021

NOTE: The transaction ResponseCode is a high-level indicator of the result of the transaction (e.g. prevented the transaction. 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’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. However, some gateways and third-party transaction services (for example, shopping carts) have their own set of decline codes. Have them use a different transaction method or have them call and request a credit limit adjustment. Either ask the customer to call their issuing bank and request a credit limit or request a different form of payment. Just like Code 01, the issuing bank (Visa, Mastercard, etc.) The card has been declined. Otherwise, just ask for a different card or payment method. Decline code 000043. Reduce chargebacks by up to 40% and win disputes through representment. There’s no apparent problem, but something still went wrong. Visa, Mastercard and Discover cards are 16 digits, while Amex cards are 15 digits. You can analyze your decline ratio by creating a decline report. Credit Cards can be declined for numerous reasons. Double check what you entered and make sure it wasn’t negative or included incorrect symbols. It goes without saying that, sooner rather than later, a customer’s card will be declined. Credit Card Issuer Response Codes. Re-enter the CVN or request a different form of payment. 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. 60 This card has been declined too many times. 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. Decline: AVS Failure. The number field you attempted to transact was invalid. 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. Having these credit card decline codes on hand helps you provide better customer service by way of a more thoughtful and thorough explanation. Wait a minute or two and try again. The card number entered is wrong since it doesn’t start with a 3 (AMEX), 4 (Visa), 5 (MasterCard) or 6 (Discover). 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. 05: Do not honor. If the transaction still won’t go through, contact your payment processor. Ask your customer to call their bank, and if the bank confirms everything is okay on their end, attempt the transaction again. Double check the account number given & try again. The card number is invalid, and your terminal is having trouble finding the relevant account. 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 … Don’t try the transaction again and do not provide any additional goods or services to the card holder. Credit card declines occur when the payment transaction cannot be processed. card_decline_rate_limit_exceeded. 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. 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. If your business takes credit cards, you are processing payments numerous times a day. 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. When the bank confirms it will process correctly, attempt the transaction again. Decline Error Code 04 – Hold-Call or Pick Up Card This error is sort of a catch-all. Decline Code 000005: Response Message: Decline: Definition: Generic Bank Decline: Additional Details: Do not honor, the issuing bank is declining to authorize the card. Bankcard Gateway Decline Codes. 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. Credit Card Approval Code 00 - Transaction Approved Successfully Though it is not a decline, this is the most common code meaning the transaction … 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. With these two error codes, the customer’s cardholder (the issuing bank) has blocked the transaction. Resolving Decline code 000014 with Sage Exchange Desktop . The cause can sometimes be insufficient funds. 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. A temporary communication error occurred. The issuing bank (Visa, Mastercard, etc.) Try it again, and if the problem continues, contact your merchant provider. prevented the transaction and is also telling you not to honor the card. Decline code 000006 - ERROR 0008. A temporary error occurred during the transaction. The customer should use an alternate credit card. 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 … 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 a credit card has been declined, the machine will print out a decline code on the receipt. Associated with the declined payment is a failure code and reason provided to the merchant. The authorization communication failed for no specific reason. Copyright © 1999 – 2019 GoDaddy Operating Company, LLC. 59: Suspected Fraud: No: The customer’s bank has declined this transaction as the credit card appears to be fraudulent. 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. Decline Error Code 01 & 02 – Call. Understanding Card Failure Codes. 49 Card Declined – this error pertains to a credit card not allowed for online transactions. Decline code 0000CV. If a card issuer declines a payment, they may provide a reason through the use of a decline code. Here are the instructions how to enable JavaScript in your web browser. Request a different card or other form of payment. You need to confirm your credit card number and enter the right number to resolve the issue. This may be associated with a test credit card number. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. The expiration date entered is in the past. Make sure you report the transaction attempt to the relevant issuing bank. The issuing bank (Visa, Mastercard, etc.) 58 Function not Permitted – this usually occurs when the merchant processing account is not properly configured. Try it again. accepted, declined, held for … Ask that they follow up with their bank OR update their account with a newly provided card. The customer’s bank (Card Issuer) has declined the transaction as the credit card does not have sufficient funds. 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. 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.. Here are the most common credit card declined codes you may encounter: List of common credit card declined codes. This code will appear if you are attempting a transaction and your merchant processing account is not properly configured. 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. Double check you entered it correctly, ask the customer to confirm the expiration date with their issuing bank, or request an alternate payment method. 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. The issuing bank (Visa, Mastercard, etc.) 61 Withdrawal Limit – … Decline code 000061. Credit Card Processing Decline Error 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. prevented the transaction because it has flagged this account as fraudulent. This usually is the result of a typo (negative amount or ineligible symbol). Your customer is over their credit limit or this transaction would put them over it. ... Reason Codes 241 PIN Debit General decline by the processor. Decline code 000043 Customer requested stop of specific recurring payment. Pick up card, special condition (fraud account). It should process normally. 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. For the first reason, call your merchant provider and make sure your terminal/POS supports American Express or Discover transactions. The three-digit CVV2 or four-digit CID code on the back of the credit card wasn’t read correctly. Copyright 2020 Tidal Commerce. prevented the transaction and is also telling you not to honor the card. prevented the transaction. The Customer’s bank has declined the transaction as this credit card cannot be used for this type of transaction. The cardholder should call the toll-free number on the back of their card to have the card issuer explain why. To resolve the problem, ask the customer to contact their bank and then try again. 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. Not honor: the transaction because it has flagged this account as fraudulent ( e.g their... Should call the toll-free number on the receipt rather than later, a customer tried to pay online with card. Stop payment was a mistake SECU 210 card has been declined, issuing... The right number to resolve the problem continues, contact your merchant provider make! Card or payment method was disabled by the administrator list of credit card declined codes are the instructions how to enable JavaScript your! 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