Code: Description: Response Text: 00: Transaction approved: Approved! Similarly, if you’re using a credit card and you’ve hit your credit limit (or you’ve missed too many payments), the purchase will not go through. Everything You Wanted to Know About Credit Card Decline Codes. Code Number Definition Practical Definition What you should do; 01: Refer to Issuer: The issuing bank (Visa, Mastercard, etc.) Here are the most common codes along with the response reason. The transaction could be canceled due to various reasons and these are, for instance, a technical issue at the issuing bank or a customer with insufficient funds on their card. The card is blocked by the bank’s fraud system. A hard decline is when the issuing bank does not approve the payment and are permanent authorization failures that should not be retried. The cardholder should try to complete a transaction again. See the most common card decline codes and ways to resolve them. After receiving this particular error, monitor subsequent transactions for fraudulent transactions on alternate cards. Codes 0-199 indicate that a transaction request was successfully sent to a cardholder’s issuing bank and ProtectPay® received a response. However, you should know what is the meaning of them to explain it accurately to your customers. The system will use algorithm as similar to issuer to generate number automatically. Some of the reasons are clear enough and leave no doubt as they are easy to explain to your customers, while others can be interpreted in various ways (see the table below). The transaction is approved and completed successfully. Double check what is entered and make sure it wasn’t negative or included incorrect symbols. Unique to authorization recycle transactions. It doesn't necessarily mean that there is an issue with the card, but it does indicate that the bank will not approve this transaction. The problem with hard declines is that retrying the card number doesn’t work, even if the decline happens on a renewal. The customer’s card issuer has requested that your customer’s credit card is retained by you. The transaction can be declined by the processor, the payment gateway or, what is the most common, by the issuing bank. The Card Was Declined: The customer’s card issuer has declined the … Communication errors can result from poor line conditions such as static or noise, call waiting on the recipient line, lack of available memory on the remote machine, power interruption on either end of the transmission, a busy signal on the recipient line, or incompatibility between the two machines. 233. SecurionPay Recognized as One of 50 Most Promising Fintech Startups, 3D Secure 2.0 Specification in a Nutshell, What to Consider When Choosing a Payment API, Visa Rules for Enhanced Risk Performance—What You Should Know, Credit Card Chargebacks: Merchants’ Rights, Improve Your E-commerce Performance With These Baby Steps, Advanced Security, Rapid Customer Verification and the Future of Payments, Online Gaming Merchant Account: Turn Players Into Payers, False Positives—A Touchy Problem for Business, Gain The Customer’s Trust With PCI Compliance. 14 / Invalid card number: There might be a typo somewhere. Frequently they feel embarrassed or get angry and, in a brick and mortar store, it’s the merchant who must deal with them.. This code is often returned from the issuer when they do not accept the transaction. A credit card decline occurs if, for a particular reason, a credit card payment cannot be processed and the transaction is declined by the payment gateway, the processor, or the bank issuing the money. The card number should start with 3 (AMEX), 4 (Visa), 5 (MasterCard), or 6 (Discover). The merchant information that was inputted is incorrect in some type of capacity. Tick “ Open country ” to make it available to all countries. Declined with further instructions available (See response text), A notice that the transaction has been declined along with a further instructions will be provided upon notice. A well-established Content Marketing Specialist with a tech-savvy personality, experience in writing, and a passion for reading. Possible action: request a different card or other form of payment. Check the credit card number carefully and enter it again. You can suggest a cardholder to use a separate card or try again after resolving the issue with their bank. 209 The CVN did not match. To process a transaction, you must stop all recurring payments. If a card issuer declines a payment, they may provide a reason through the use of a decline code. Having your credit card declined is a moment we'd all prefer to avoid. Successful credit card transactions will generally have a response code of 00 - Approved or completed successfully or 08 - Honour with Identification. Just to sum up, the most common card decline codes are related to the following issues: There could be reasons that the bank is intentionally vague about and, in most cases, you can do nothing about. When the code occurred for a one-time transaction, don’t run the card again and don’t provide any more goods or services to the cardholder. If a Discover card wasn’t used, ask the cardholder to contact their bank. As you can see, there are different reasons for declined credit card transactions. Share. The customer should attempt to process this transaction again. Credit card fraud is a wide-ranging term for theft and fraud committed using or involving a payment card, such as a credit card or debit card, as a fraudulent source of funds in a transaction. The customer should use an alternate card or contact their bank. Double check the card number and try processing the transaction again. Choose the origin of the card. This message means the card issuer is alerting you that a transaction is being attempted on a card the issuer would like back. The transaction is declined by the issuer because it appears fraudulent. Credit Card Decline Codes. Credit card must support 3D Secure VBV or SecureCode: 793: Address validation failed. An acceptable decline ratio is about 10% of your transactions, but this may fluctuate based on industry or business model. The transaction is declined by the issuing bank because the card is suspected to be counterfeit. Cardholder. The issuing bank has declined the transaction as this card cannot be used for this type of transaction. 01: Refer to the Issuing Bank. SecurePay Payment Server Response Codes Code Response Text Description 100 Invalid Trans action Amount If payment transaction amount is non -integer, negative, or zero 101 Invalid Card Number If credit card number contains characters other digits, or bank does not recognize this number as a valid credit card … Invalid transaction. Invalid user or Password. Credit card transaction response codes. The transaction is declined by the issuer, as the credit card number doesn’t exist. A declined 05 code comes with a Do Not Honor declined response, which is a general issuer message for blocked transactions. Your merchant bank account does not support the credit card type that was submitted. PayPal returned result code 100 - Transaction type not supported by host or Invalid transaction returned from host. However, please note that error codes differ from gateway to gateway, as there are no standardized error codes, so we recommend to always follow the error message. See: What is a "CR" Chip Card Removed decline code? Need a new credit card processing solution? The issuing bank has declined the transaction as the credit card owner has reported this card as stolen.

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