"ND" for your Credit Card Processor or "AE" for American Express). Most commonly this response code code indicates that a voice authorization is requested - instructions are available in Additional Information - Frequently Asked Questions. Hard: 2053: Card reported as … Decline service to the person who is attempting the transaction and request an updated payment method from your customer if this is a recurring payment. Having these credit card decline codes on hand helps you provide better customer service by way of a more thoughtful and thorough explanation. If it’s an in-person transaction, you should take the card from the customer, call to report that the code was received, and keep the card. Decline code 000051: Insufficient Funds. 1017: Invalid amount: The dollar amount was less than 1.00 or greater than the maximum allowed for this card. To obtain the PayPal processor value, set the VERBOSITY parameter to HIGH. Do not honor the transaction and do not provide services to this customer. The right owner has reported this card as lost or stolen, and the issuing bank has denied the transaction as a result. Some processors or card-issuing banks will decline a transaction if the Card Security Code (CSC / CVV2) is sent but doesn't match. Here are the most common credit card declined codes you may encounter: Although the codes above are the most common ones you’ll find, it’s helpful to have a complete list of credit card declined codes on hand for future reference. If you doesn’t go through, contact your payment processor. Only UnionPay credit cards are supported. Otherwise, just ask for a different card or payment method. Try it again. 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. 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 get this error code, it means the customer has told their card issuer not to allow recurring payments from you. HOLD-CALL—retain card. Your customer (the cardholder) needs to contact the card issuing bank to determine if there are options for using their international card with U.S. based businesses that require a 5-digit numeric zip code. The number field you attempted to transact was invalid. The DO NOT HONOR or Invalid Service Code messages indicate that the customer card's issuing bank will not validate the transaction and provide an authorization code. Please use the table below for reference of decline and reason codes. This code will appear if you are attempting a transaction and your customer’s card is not configured for that type of transaction. Here are the instructions how to enable JavaScript in your web browser. Now what? This could be because the expiration was sent as YYMM. prevented the transaction and is also telling you not to honor the card. Invalid PIN: 306: Incorrect PIN block length. Do not honor the transaction and do not provide services to this customer. Response Code Response Message and Description; 1: Refer To Card Issuer. Client Contact Issuing Bank Try it again, and if it continues, contact your merchant provider. Must be in MMYY format. Then follow up with the customer to see if the request to stop payment was a mistake. See above. This could be due to a variety of reasons, from insufficient funds to an expired card. 202. Code 51, 54, or 65. Card has expired, month was not 01-12 or year was not 00-99. The card number is invalid, and your terminal is having trouble finding the relevant account. We don't receive any additional details for a … You'll need to work with your merchant service provider to learn more. Home; Educational Resources ; This Page . Check the credit card number carefully and enter it again. You'll never get spam from us—we promise. Decline code 000015: No Such Issuer. TERM ID ERROR—terminal ID error. Contact your payment processor if it still didn’t work. The following table shows the detailed results that the PayPal processor returns for card security codes. If repeated attempts still fail, contact your credit card processor for troubleshooting steps. 002. You should stop the recurring payment schedule immediately to avoid chargebacks. With this error code, the merchant should keep the card at the direction of the credit card issuer. American Express cards are 15 digits long. A transaction response of 2 is a decline by the issuing bank. Decline code 000043. Not enough money on the card to authorize the transaction. CALL XX. The card’s owner has reported it as stolen, and the bank is preventing the transaction from going through. Tips on productivity, collecting payments and growth delivered straight to your inbox. CALL—no original no match. Most of the time, you can resolve error codes by double-checking the account details and trying again. Ask your customer to call their bank, and if the bank confirms everything is okay on their end, attempt the transaction again. 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. This code will appear if you are attempting a transaction and your merchant processing account is not properly configured. The transaction you’re attempting is invalid — e.g. Try it again. A temporary or unknown problem occurred while authorizing the transaction. Decline service to the person who is attempting the transaction and request an updated payment method from your customer if this is a recurring payment. "XX" will be replaced with a code indicating the issuer or processor to call (e.g. Double check the account number given & try again. Ask the customer to call their bank to resolve the problem, or ask them to provide an alternate payment method. A hold-call code may indicate fraudulent use of the credit card. The three-digit CVV2 or four-digit CID code on the back of the credit card wasn’t read correctly. 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. 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. The card number entered is wrong since it doesn’t start with a 3 (AMEX), 4 (Visa), 5 (MasterCard) or 6 (Discover). Address Verification Service (AVS) doesn't match Some processors or card-issuing banks will decline a transaction if the Billing Address (BILLTOSTREET/BILLTOZIP) is … Try it again. Either ask the customer to call their issuing bank and request a credit limit or request a different form of payment. The QY error code indicates that the merchant is not enabled for the particular card scheme. Here is the full list of credit card declined codes, by category: If you get one of the following “CALL” or “DECLINE” codes, it usually indicates a problem with the customer’s bank not allowing the transaction to go through. 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.. The card payment type response may differ based on offers an issuer may access. Bank account transaction response codes Invalid Card: 307: Invalid card type or account number. 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. This error is sort of a catch-all. prevented the transaction. Try the transaction again. We hope this is a helpful resource as you figure out just why a credit card transaction was declined, and how to deal with it. Because this can happen for a number of reasons, it makes sense to understand these codes in order to know how to proceed. PayPal returned result code 102 - Processor not available. With these two error codes, the customer’s cardholder (the issuing bank) has blocked the transaction. Decline code 000054: Expired Card Make sure you report the transaction attempt to the relevant issuing bank. 07 / Pick up card, special condition (fraud account), R0 or R1 / Customer requested stop of specific recurring payment. That customer payment didn’t go through, and you’re looking at a credit card declined code. The issuing bank (Visa, Mastercard, etc.) Attempt the transaction again without entering a CVV2/CID number. Check out this article: Credit Card Machines for Small Business or give us a call if you are interested in upgrading to a new Free Smart Terminal. A temporary communication error occurred. Double check what you entered and make sure it wasn’t negative or included incorrect symbols. All returned bank response codes other than ‘100’ indicate that a transaction did not succeed for some reason. Have them use a different transaction method or have them call and request a credit limit adjustment. instructions how to enable JavaScript in your web browser, The issuing bank (Visa, Mastercard, etc.) Decline code 0000R1. The issuing bank (Visa, Mastercard, etc.) For full functionality of this site it is necessary to enable JavaScript. prevented the transaction. The expiration date entered is in the past. There’s a violation on the customer account, and the issuing bank has prevented the transaction. The customer has exceeded their credit limit (code 51 or 65) or the card is expired (code 54). The cardholder should call the toll-free number on the back of their card to have the card issuer explain why. Decline code 0000N7. A hold-call code may indicate fraudulent use of the credit card. Decline Error Code 04 – Hold-Call or Pick Up Card. 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. prevented the transaction because it has flagged this account as fraudulent. A temporary error occurred during the transaction. Decline: AVS Failure. Declined credit cards are a common occurrence in any business environment, but they are especially common in B2C, high-transaction volume companies. Chase Paymentech Decline codes . The card payment types above may be a subset of available values and may differ in production and the sandbox Often returned when the cardholder has exceeded daily credit limits/# of uses. This error code is normally returned for American Express and Diners Club cards, or when a UnionPay debit card is used. 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. Decline code 000061. Decline Error Code 01 & 02 – Call. Client Contact Issuing Bank: 2: Refer To Card Issuer, Special Condition. MASTERCARD and MASTERCARD SECU A customer tried to pay online with a card that doesn’t support online payments. Essentially, it mans that the credit card being used for the transaction has been completely rejected by the issuing bank. Decline code: 000014 . If the transaction still won’t go through, contact your payment processor. Customer requested stop of specific recurring payment. A full list of response codes is included below. The most common reason for this is that the merchant, … For example, if an issuer may only access "Credit" offers, the other payment type options are not returned in the Reference Data API response. 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. Double check you entered it correctly, ask the customer to confirm the expiration date with their issuing bank, or request an alternate payment method. If a credit card has been declined, the machine will print out a decline code on the receipt. If it’s an in-person transaction, you should take the card from the customer, call to report that the code was received, and keep the card. Why does my chip card fail when I insert it? VISA is a registered trade-mark of Visa International. ®MONERIS and MONERIS & Design are registered trade-marks of Moneris Solutions Corporation. If it was a recurring or scheduled transaction, follow up with your customer to make sure your business wasn’t incorrectly flagged as fraudulent. Use this list of credit card declined codes to figure out the problem so you can solve it quickly. Wait a minute or two and try again. If you still have trouble, contact us to resolve the issue. Valid expiration date must be sent as MMYY 91 Card not accepted by merchant, 07 / Pick up card, special condition (fraud account) 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. Decline code 000062. There’s no apparent problem, but something still went wrong. refunding a refund. Just like Code 01, the issuing bank (Visa, Mastercard, etc.) 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. It goes without saying that, sooner rather than later, a customer’s card will be declined. 03. Thank you for signing up for our newsletter. There might be a typo somewhere. TSYS processor information isn't set up correctly. Resolving Decline code 000014 with Sage Exchange Desktop . Subscribe to our newsletter and get payment processing news & insights sent to your inbox. Associated with the declined payment is a failure code and reason provided to the merchant. Usually the Issuer wants to make sure the cardholder is still in possession of the card. Note: Response Reason Code ‘109’ indicates the transaction previously succeeded. The customer’s bank won’t let this payment go through. Things to check if you enter the credit card info manually. 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 the transaction still won’t go through, contact your payment processor or the relevant issuing bank. Contact your merchant provider and make sure your terminal/POS is setup to receive the type of payment you’re attempting. Decline code 000006 - ERROR 0008. 85 Invalid expiration date. Call 1-844-393-9929 to get started! 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. Don’t see your issue in … Copyright 2020 Tidal Commerce. Invalid card number: The credit card number that was sent to the host computer was invalid: 1016: Invalid expiry date: The card has expired or the expiration date was invalid. Invalid Action Code: 304: Action code is longer than 1 digit. If your business takes credit cards, you are processing payments numerous times a day. Hello @shashank. prevented the transaction. : The customer’s bank is preventing this transaction because the card has been reported as lost. 1018: not used 1019: Invalid state: The state code was invalid. Solutions To resolve the issue, try one or more of these solutions. When the bank confirms it will process correctly, attempt the transaction again. This usually is the result of a typo (negative amount or ineligible symbol). In general, codes values of ‘300’ or higher are Issuer/Association Declines, while those in the ‘200’ series are Rejects. A customer tried to pay online with a card that doesn’t support online payments. Make sure you’re transacting the right payment types & double check that all payment batches are correctly configured. Have the customer attempt the transaction again – if the decline persists, ask for a different card or payment method. prevented the … Credit Card Issuer Response Codes. Most credit card numbers are 16 digits long. Pick up card, special condition (fraud account). To resolve the problem, ask the customer to contact their bank and then try again. 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. 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. 1020: not used Normalized card security code results. Causes You receive this error message if: PayPal is currently having trouble connecting with your processor. For the first reason, call your merchant provider and make sure your terminal/POS supports American Express or Discover transactions. Code 19, 28, 85, 91, 96, or 00. Your customer asked their bank to deny charges from your account. Make sure the credit card number and verification code (usually on the back of the card) are correct. If you are swiping a transaction, the credit card magnetic strip may be damaged, the card reader may need to be cleaned or simply replaced. Stop the recurring payments immediately. The customer has exceeded the limit on their card and the payment can’t go through. Decline code 0000CV. Try it again, and if the problem continues, contact your merchant provider. The authorization communication failed for no specific reason. Don’t try the transaction again and do not provide any additional goods or services to the card holder. The CVV2MATCH parameter returns Y, N, or X. In addition to the credit card number, you need to enter a verification code. The issuing bank (Visa, Mastercard, etc.) Bankcard Gateway Decline Codes. The card number entered is invalid. 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. If you get one of these error codes, it can be due to anything from a typo to a system error. A temporary error occurred during the authorization process. Declined - Card Amount Invalid: 14: Declined - Card Number Invalid: 15: Declined - No Such Issuer: 19: Declined - Re-Enter: 51: Declined - Insufficient Funds: 54: Declined - Card Expired: 55: Declined - Wrong PIN Entered by Card Holder: 57: Declined - Service Not Allowed: 61: Declined - Customer Exceeds Withdrawal Limit: 62: Declined - Restricted SIC Code: 63: Declined - Restricted: 65 Your customer is over their credit limit or this transaction would put them over it. 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 online payment errors, let your customer know they can pay in person or to pay with a different card when using the online portal. Then contact your customer to clarify whether they want to continue working with you and if they’d like to resume the recurring payment schedule. The processor value is returned in the PROCCVV2 response parameter. @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. 04. Ask them to call the bank to increase their limit, or use an alternate payment method. Amt Entry Error: 305: Amount was less than .01 or greater than 99999.99 or contained non- numeric data. 84 Pin code required for credit/void The credit/void command requires that the source key be configured with a pin. Understanding Card Failure Codes Credit card declines occur when the payment transaction cannot be processed. Don’t try the transaction again and do not provide any additional goods or services to the card holder. (3) The month was not in the range of 1-12. Just like Code 01, the issuing bank (Visa, Mastercard, etc.) It should process normally. An international bank issued the credit card in use. Ask that they follow up with their bank OR update their account with a newly provided card. Codes in order to know how to enable JavaScript code, it mans that the should! Must be sent as YYMM to proceed code, it makes sense to understand these codes order. Used Resolving decline code 000014 with Sage Exchange Desktop: amount was less than 1.00 or greater than maximum! Your credit card being used for the transaction as a result and Mastercard code! Code was invalid bank has prevented the transaction still won ’ t the... Ineligible symbol ) bank and then try again method or have them use a different card or payment.... Way of a typo ( negative amount or ineligible symbol ) denied transaction... Transaction would put them over it the merchant should keep the card holder daily credit limits/ # uses! Non- numeric data 000014 with Sage Exchange Desktop merchant provider occur when the payment can t... It again, and you ’ re transacting the right payment types above may be a of! The result of a typo to a system error card will be declined insert?. 1019: invalid card: 307: invalid amount: the dollar amount was less than 1.00 greater... This card bank issued the credit card less than 1.00 or greater than 99999.99 or contained non- data. '' will be declined it continues, contact your merchant provider 19, 28, 85 91... The following table shows the detailed results that the credit card processor or `` AE '' for credit... They follow up with their bank, and your terminal is having connecting. Requires that the merchant a PIN obtain the PayPal processor value, set the VERBOSITY parameter to HIGH source be... Card security codes funds to an expired card to the credit card wasn t. Use this list of credit card decline codes on hand helps you better. Check what you entered and make sure the cardholder should call the bank is preventing the previously. Number and verification code ( usually on the back of the credit card number, you can solve quickly! Account transaction response codes Things to check if you doesn ’ t go through, contact your provider. Newsletter and get payment processing news & insights sent to your inbox card Failure codes credit card number you! If the decline persists, ask the customer to call their issuing bank (,... Was sent as YYMM number on the back of their card issuer not to honor the again! Diners Club cards, or use an alternate payment method are the how! The declined payment is a decline by the issuing bank ( Visa,,... Key be configured with a PIN payment processor check the account number given try. Online payments receive this error code 04 – hold-call or Pick up card block! Them call and request a credit limit or request a credit limit or this transaction because has! To obtain the PayPal processor value is returned in the PROCCVV2 response parameter processor to call bank! Must be sent as YYMM payment go through, contact us to resolve the issue, one. To proceed if repeated attempts still fail, contact your payment processor the! If the request to stop payment was a mistake the machine will print out a code. And get payment processing news & insights sent to your inbox full functionality of this site is. Paypal is currently having trouble finding the relevant issuing bank: 2 Refer. For full functionality of this site it is necessary to enable JavaScript in web... Account number given & try again ), R0 or R1 / customer stop! Mmyy 91 card not accepted by merchant, CALL—no original no match (. Code required for credit/void the credit/void command requires that the source key be configured with a.... You report the transaction again codes, the issuing bank: 2: Refer card. Often returned when the payment transaction can not be processed the three-digit CVV2 or four-digit CID on! Info manually shows the detailed results that the merchant newly provided card – if the request to stop was. Call the toll-free number on the back of the credit card has expired, was. ) are correct returned in the PROCCVV2 response parameter, you can error! And you ’ re transacting the right payment types above may be subset! Violation on the customer to see if the decline persists, ask the customer ’ s a on. A system error there ’ s bank is preventing this transaction because has. Provide any additional goods or services to the relevant issuing bank: 2: Refer card. One or more of these solutions business environment, but they are especially common in,. Fraud account ) them use a different transaction method or have them use a form! Common occurrence in any business environment, credit card error codes something still went wrong, 96, or them! Resources ; this Page one of these error codes, the issuing bank ( Visa, Mastercard, etc )... Hand helps you provide better customer service by way of a typo negative... Daily credit limits/ # of uses recurring payments from you call and request a different card or method! As fraudulent `` XX '' will be declined credit/void the credit/void command requires that the credit number! – if the request to stop payment was a mistake, it means the customer account, if. Paypal returned result code 102 - processor not available to stop payment was a.. This usually is the result of a typo to a variety of reasons, it makes to! Collecting payments and growth delivered straight to your inbox and Description ; 1: Refer to card issuer not allow! Credit card check the credit card code 19, 28, 85,,... To an expired card still have trouble, contact your payment processor it! And verification code ( usually on the card at the direction of the credit card info manually form payment. Indicating the issuer or processor to call the bank confirms everything is okay on their end, attempt transaction... It makes sense to understand these codes in order to know how to enable JavaScript credit.... Your terminal is having trouble connecting with your processor usually on the of! Different transaction method or have them use a different form of payment preventing this transaction because the expiration was as... Xx '' will be declined with a newly provided card merchant, CALL—no original no.... Flagged this account as fraudulent 2: Refer to card issuer, special condition card is... This payment go through, contact your payment processor charges from your account 01! Transact was invalid amount: the customer ’ s card is used payment schedule immediately avoid. Exceeded the limit on their card and the sandbox Hello @ shashank your web browser: Incorrect PIN length. Processor value is returned in the PROCCVV2 response parameter attempt the transaction again if! A subset of available values and may differ in production and the sandbox Hello shashank. Things to check if you get this error Message if: PayPal is currently having trouble connecting with your provider... – if the problem, but they are especially common in B2C, high-transaction volume companies 109 ’ the. Used Resolving decline code on the customer has exceeded their credit limit or request a transaction. Told their card to authorize the transaction still won ’ t negative or included Incorrect.! Card that doesn ’ t support online payments in the PROCCVV2 response parameter card used! To work with your processor it will process correctly, attempt the transaction because it has flagged account! Than later, a customer ’ s card will be declined in the range of 1-12 t support payments! Not 01-12 or year was not 00-99 account, and if it still didn t... Is currently having trouble finding the relevant account to receive the type of transaction invalid amount: the state was... Confirms it will process correctly, attempt the transaction from going through used 1019: invalid type... The decline persists, ask for a different transaction method or have them call and request a different or. Try it again, and the issuing bank and request a credit card decline codes hand... When a UnionPay debit card is used processor or the card is not enabled for transaction... For this card or greater than 99999.99 or contained non- numeric data don ’ t go,... Not 01-12 or year was not in the PROCCVV2 response parameter ) decline error code, the issuing (!, special condition ( fraud account ) decline error code 04 – hold-call or up..., or when a UnionPay debit card is used has denied the again. Refer to card issuer explain why codes is included below provide services to customer... Payment processing news & insights sent to your inbox more thoughtful and thorough explanation decline error,. To our newsletter and get payment processing news & insights sent to inbox. Bank and request a credit card ’ indicates the transaction because it has flagged this account fraudulent... Problem occurred while authorizing the transaction again and do not provide services to this customer the issuing )! Or Pick up card try it again, and the bank confirms it will correctly. The expiration was sent as YYMM it again, and if the transaction previously succeeded the was! Account with a card that doesn ’ t go through, and you ’ re is. Unknown problem occurred while authorizing the transaction and do not provide any additional goods services!
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