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.. 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 The card number is invalid, and your terminal is having trouble finding the relevant account. The expiration date entered is in the past. 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. You can try to charge this card again after 24 hours. It should process normally. 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. Double check what you entered and make sure it wasn’t negative or included incorrect symbols. accepted, declined, held for … The customer should use an alternate credit card. Credit Card Declined Codes. Stop the recurring payments immediately. Here are the most common credit card declined codes you may encounter: List of common credit card declined codes. 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. Credit Card Issuer Response Codes. Try it again. Decline code 0000CV. Associated with the declined payment is a failure code and reason provided to the merchant. Decline Code 000005: Response Message: Decline: Definition: Generic Bank Decline: Additional Details: Do not honor, the issuing bank is declining to authorize the card. However, some gateways and third-party transaction services (for example, shopping carts) have their own set of decline codes. 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. This error is sort of a catch-all. Customer requested stop of specific recurring payment. This code will appear if you are attempting a transaction and your customer’s card is not configured for that type of transaction. 61 Withdrawal Limit – … prevented the transaction. 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. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. If you doesn’t go through, contact your payment processor. 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). Subscribe to our newsletter and get payment processing news & insights sent to your inbox. Try it again. With these two error codes, the customer’s cardholder (the issuing bank) has blocked the transaction. 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 a card issuer declines a payment, they may provide a reason through the use of a decline code. 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. Generally, the decline code you receive through your credit card processing company is the actual response from the customer’s issuing bank. Ask that they follow up with their bank OR update their account with a newly provided card. To resolve the problem, ask the customer to contact their bank and then try again. There’s no apparent problem, but something still went wrong. Declined - Card Amount Invalid: 14: Declined - Card Number Invalid: 15: Declined - No Such … If your business takes credit cards, you are processing payments numerous times a day. Reduce chargebacks by up to 40% and win disputes through representment. prevented the transaction and is also telling you not to honor the card. This is a card number error and signifies that the card number that you have entered in invalid. A customer tried to pay online with a card that doesn’t support online payments. If the transaction still won’t go through, contact your payment processor. The customer’s bank (Card Issuer) has declined the transaction as the credit card does not have sufficient funds. Understanding Card Failure Codes. A transaction may be approved even if the address verification information or card verification does not match. The authorization communication failed for no specific reason. Decline code 000043. A customer tried to pay online with a card that doesn’t support online payments. Check the credit card number carefully and enter it again. Decline code 000014 and 000015. Decline code 0000N7. The Customer’s bank has declined the transaction as this credit card cannot be used for this type of transaction. Contact your payment processor if it still didn’t work. Have them use a different transaction method or have them call and request a credit limit adjustment. Because this can happen for a number of reasons, it makes sense to understand these codes in order to know how to proceed. 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 or the relevant issuing bank. 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. 210 Card has reached the credit limit or the transaction exceeds the approved limit. Decline code 000043 Credit card declined codes can appear for many reasons. Declined credit cards are a common occurrence in any business environment, but they are especially common in B2C, high-transaction volume companies. Access from your Country was disabled by the administrator. Attempt the transaction again without entering a CVV2/CID number. Decline code: 000014 . Try it again, and if it continues, contact your merchant provider. instructions how to enable JavaScript in your web browser, The issuing bank (Visa, Mastercard, etc.) Here’s our cheat sheet to the decline codes your machine might produce and what to do about them. It goes without saying that, sooner rather than later, a customer’s card will be declined. 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 … There’s a violation on the customer account, and the issuing bank has prevented the transaction. Pick up card, special condition (fraud account). ®MONERIS and MONERIS & Design are registered trade-marks of Moneris Solutions Corporation. 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. The cause can sometimes be insufficient funds. Don’t try the transaction again and do not provide any additional goods or services to the card holder. card_declined. Copyright 2020 Tidal Commerce. You can analyze your decline ratio by creating a decline report. 59: Suspected Fraud: No: The customer’s bank has declined this transaction as the credit card appears to be fraudulent. 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 … This code will appear if you are attempting a transaction and your merchant processing account is not properly configured. They can occur because an activity limit on your card was hit, or because a purchase on your card was deemed as suspicious. The issuing bank (Visa, Mastercard, etc.) 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. A temporary error occurred during the transaction. A temporary error occurred during the authorization process. 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. 49 Card Declined – this error pertains to a credit card not allowed for online transactions. When the bank confirms it will process correctly, attempt the transaction again. paymentdepot.com/blog/credit-card-declined-codes/, Mozilla/5.0 (Windows NT 10.0; WOW64; Trident/7.0; rv:11.0) like Gecko. Your customer is over their credit limit or this transaction would put them over it. 211 Invalid CVN. The issuing bank (Visa, Mastercard, etc.) 05 / Do not honor: The customer’s bank won’t let this payment go through. prevented the transaction. Decline Error Code 01 & 02 – Call. 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. 54 Expired Card – declined due to obvious reason. 14 / Invalid card number: There might be a typo somewhere. 60 Decline code 000062. Make sure you’re transacting the right payment types & double check that all payment batches are correctly configured. Try it again, and if the problem 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. Try it again. The issuing bank (Visa, Mastercard, etc.) 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 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. The card has been declined. ... Reason Codes 241 PIN Debit General decline by the processor. Bankcard Gateway Decline Codes. Here are the most common codes along with the response reason. Either ask the customer to call their issuing bank and request a credit limit or request a different form of payment. For more information about the decline… Your customer asked their bank to deny charges from your account. prevented the transaction. Chase Paymentech Decline codes . An acceptable decline ratio is about 10% of your transactions, but this may fluctuate based on industry or business model. Make sure you report the transaction attempt to the relevant issuing bank. Decline Error Code 04 – Hold-Call or Pick Up Card NOTE: The transaction ResponseCode is a high-level indicator of the result of the transaction (e.g. This may be associated with a test credit card number. Don’t try the transaction again and do not provide any additional goods or services to the card holder. The three-digit CVV2 or four-digit CID code on the back of the credit card wasn’t read correctly. Please use the table below for reference of decline and reason codes. 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. Credit Cards can be declined for numerous reasons. The customer should use an alternate credit card. Having these credit card decline codes on hand helps you provide better customer service by way of a more thoughtful and thorough explanation. 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. The cardholder should call the toll-free number on the back of their card to have the card issuer explain why. Ask your customer to call their bank, and if the bank confirms everything is okay on their end, attempt the transaction again. refunding a refund. Credit Card Processing Decline Error Codes. For full functionality of this site it is necessary to enable JavaScript. If a credit card has been declined, the machine will print out a decline code on the receipt. Credit card declines occur when the payment transaction cannot be processed. A full list of response codes is included below. You need to confirm your credit card number and enter the right number to resolve the issue. 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. Contact your merchant provider and make sure your terminal/POS is setup to receive the type of payment you’re attempting. The card issuing bank has declined the transaction because of an incorrectly … Visa, Mastercard and Discover cards are 16 digits, while Amex cards are 15 digits. Double check you entered it correctly, ask the customer to confirm the expiration date with their issuing bank, or request an alternate payment method. The issuing bank (Visa, Mastercard, etc.) The card number entered is wrong since it doesn’t start with a 3 (AMEX), 4 (Visa), 5 (MasterCard) or 6 (Discover). If it was a recurring or scheduled transaction, follow up with your customer to make sure your business wasn’t incorrectly flagged as fraudulent. Ask for a separate card to complete the transaction and/or ask the customer to … Re-enter the CVN or request a different form of payment. VISA is a registered trade-mark of Visa International. The number field you attempted to transact was invalid. Wait a minute or two and try again. Double check the account number given & try again. Decline code 000006 - ERROR 0008. A temporary communication error occurred. Just like Code 01, the issuing bank (Visa, Mastercard, etc.) 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. Here are the instructions how to enable JavaScript in your web browser. Understand what decline codes mean and how you can resolve them when a charge is declined. 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 … Otherwise, just ask for a different card or payment method. 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. 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. Decline code 000061. prevented the transaction and is also telling you not to honor the card. Resolving Decline code 000014 with Sage Exchange Desktop . 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. 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. The transaction you’re attempting is invalid — e.g. prevented the transaction because it has flagged this account as fraudulent. Then follow up with the customer to see if the request to stop payment was a mistake. 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. Copyright © 1999 – 2019 GoDaddy Operating Company, LLC. 05: Do not honor. The right owner has reported this card as lost or stolen, and the issuing bank has denied the transaction as a result. @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. Decline code 0000R1. For the first reason, call your merchant provider and make sure your terminal/POS supports American Express or Discover transactions. This card has been declined too many times. 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. MASTERCARD and MASTERCARD SECU Request a different card or other form of payment. card_decline_rate_limit_exceeded. 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. ChargebackHelp is also an invaluable partner for merchants looking for merchant services, credit card processing and merchant accounts. 58 Function not Permitted – this usually occurs when the merchant processing account is not properly configured. All rights reserved. Moneris & Design are registered trade-marks of MONERIS Solutions Corporation registered trade-marks of MONERIS Corporation. 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