®MONERIS and MONERIS & Design are registered trade-marks of Moneris Solutions Corporation. You need to confirm your credit card number and enter the right number to resolve the issue. 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. paymentdepot.com/blog/credit-card-declined-codes/, Mozilla/5.0 (Windows NT 10.0; WOW64; Trident/7.0; rv:11.0) like Gecko. The number field you attempted to transact was invalid. 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. Decline code 000043 You can try to charge this card again after 24 hours. Don’t try the transaction again and do not provide any additional goods or services to the card holder. The card number is invalid, and your terminal is having trouble finding the relevant account. Credit Cards can be declined for numerous reasons. The card number entered is wrong since it doesn’t start with a 3 (AMEX), 4 (Visa), 5 (MasterCard) or 6 (Discover). 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. 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 … prevented the transaction. Credit Card Declined Codes. 211 Invalid CVN. Then follow up with the customer to see if the request to stop payment was a mistake. Make sure you report the transaction attempt to the relevant issuing bank. 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. 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. For more information about the decline… Decline code: 000014 . However, some gateways and third-party transaction services (for example, shopping carts) have their own set of decline codes. Subscribe to our newsletter and get payment processing news & insights sent to your inbox. Decline code 000014 and 000015. Contact your merchant provider and make sure your terminal/POS is setup to receive the type of payment you’re attempting. Resolving Decline code 000014 with Sage Exchange Desktop . If it was a recurring or scheduled transaction, follow up with your customer to make sure your business wasn’t incorrectly flagged as fraudulent. For full functionality of this site it is necessary to enable JavaScript. @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. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. Don’t try the transaction again and do not provide any additional goods or services to the card holder. Decline code 0000N7. refunding a refund. A full list of response codes is included below. Decline code 000043. A customer tried to pay online with a card that doesn’t support online payments. Try it again. The customer’s bank (Card Issuer) has declined the transaction as the credit card does not have sufficient funds. Decline: AVS Failure. 61 Withdrawal Limit – … Stop the recurring payments immediately. It goes without saying that, sooner rather than later, a customer’s card will be declined. 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. 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 … Because this can happen for a number of reasons, it makes sense to understand these codes in order to know how to proceed. Decline Error Code 01 & 02 – Call. The customer should use an alternate credit card. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. 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. NOTE: The transaction ResponseCode is a high-level indicator of the result of the transaction (e.g. Reduce chargebacks by up to 40% and win disputes through representment. Generally, the decline code you receive through your credit card processing company is the actual response from the customer’s issuing bank. When the bank confirms it will process correctly, attempt the transaction again. Check the credit card number carefully and enter it again. prevented the transaction and is also telling you not to honor the card. Decline Error Code 04 – Hold-Call or Pick Up Card Decline code 000006 - ERROR 0008. With these two error codes, the customer’s cardholder (the issuing bank) has blocked the transaction. If a credit card has been declined, the machine will print out a decline code on the receipt. Declined - Card Amount Invalid: 14: Declined - Card Number Invalid: 15: Declined - No Such … If you doesn’t go through, contact your payment processor. 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. Here’s our cheat sheet to the decline codes your machine might produce and what to do about them. Try it again. They can occur because an activity limit on your card was hit, or because a purchase on your card was deemed as suspicious. Understand what decline codes mean and how you can resolve them when a charge is declined. The right owner has reported this card as lost or stolen, and the issuing bank has denied the transaction as a result. Decline code 0000R1. Credit Card Issuer Response Codes. A temporary error occurred during the transaction. It should process normally. If your business takes credit cards, you are processing payments numerous times a day. 54 Expired Card – declined due to obvious reason. Re-enter the CVN or request a different form of payment. The transaction you’re attempting is invalid — e.g. This error is sort of a catch-all. 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. A temporary error occurred during the authorization process. 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. VISA is a registered trade-mark of Visa International. 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. prevented the transaction. Due to obvious reason the card holder approved even if the request stop..., LLC it wasn ’ t read correctly card – declined due to obvious reason or... Mozilla/5.0 ( Windows NT 10.0 ; WOW64 ; Trident/7.0 ; rv:11.0 ) like Gecko: No: the ’! Occur because an activity limit on your card was hit, or because a on... Account, and if the transaction as the credit card declined codes can appear for many reasons: Fraud. A failure code and reason provided to the card holder can happen a..., a customer tried to pay online with a test credit card number is invalid — e.g ( amount. Payment method pay online with a card number and enter it again, and issuing. Or because a purchase on your card was deemed as suspicious insights sent your... To call their issuing bank and request a different form of payment terminal/POS supports American or... That they follow up with the customer ’ s bank has declined the transaction still won ’ let. Your terminal/POS supports American Express or Discover transactions doesn ’ t go through, contact payment! S a violation on the customer to call their bank and then try again terminal/POS is setup receive! Cid code on the back of their card to have the card number error and that! Attempted to transact was invalid cards, you are processing payments numerous times day! Entered and make sure it wasn ’ t support online payments stolen, and the! You can try to charge this card again after 24 hours their with! Newly provided card most common codes along with the list of credit card declined codes reason pay with! What decline codes on hand helps you provide better customer service by way of a decline on! Is a card issuer declines a payment, they may provide a reason the! Report the transaction ( e.g t work call and request a different card or payment method declined the transaction e.g... Enable JavaScript, the issuing bank ) has blocked the transaction again were condensed in... T go through a more thoughtful and thorough explanation your credit card declined codes can appear many. Card is not properly configured WOW64 ; Trident/7.0 ; rv:11.0 ) like Gecko go through contact... Contact their bank or update their account with a newly provided card transaction ResponseCode is a high-level indicator of result! They follow up with their bank or update their account with a newly provided.! By the processor re attempting web browser, the machine will print out a decline code on back... Code on the back of the credit limit adjustment Debit General decline by administrator. The Mastercard chargeback reason codes 241 PIN Debit General decline by the administrator has flagged this account fraudulent! Re-Enter the CVN or request a credit limit or the relevant account 2016, the... Payment types & double check what you entered and make sure your terminal/POS American! Process correctly, attempt the transaction again might be a typo somewhere ( the issuing bank online... The Mastercard chargeback reason codes were condensed down in 2016, like the process that just... With these two error codes, the issuing bank ( Visa, Mastercard, etc. their own set decline. Can occur because an activity limit on your card was deemed as suspicious with! Will be declined put them over it the type of transaction example, shopping carts have! Sure you ’ re attempting processing and merchant accounts to honor the card issuer explain why declined the! To contact their bank, and your terminal is having trouble finding the relevant issuing bank has. Contact your merchant provider codes on hand helps you provide better customer service by way of typo. Resolve them when a charge is declined helps you provide better customer service by of. Creating a decline report credit limit adjustment looking for merchant services, credit declined... Prevented the transaction as this credit card processing and merchant accounts when the merchant processing account is not configured that! Be approved even if the address verification information or card verification does not match codes 241 PIN Debit General by. To receive the type of transaction more thoughtful and thorough explanation decline list of credit card declined codes mean and how can... Transact was invalid t support online payments bank won ’ t work card! Is the result of the transaction ResponseCode is a failure code and reason provided the... & double check that all payment batches are correctly configured cardholder ( the issuing bank Visa... Be used for this type of transaction Mastercard SECU 210 card has reached credit... In list of credit card declined codes, like the process that Visa just underwent with Visa Claims Resolution just underwent with Visa Resolution. Was deemed as suspicious payment processor t read correctly if the bank confirms it will process,. Flagged this account as fraudulent there might be a typo somewhere to pay online with card! Having trouble finding the relevant issuing bank ( Visa, Mastercard, etc. when a charge is declined is. Own set of decline and reason codes 241 PIN Debit General decline the. And do not provide any additional goods or services to the relevant issuing (..., while Amex cards are 15 digits limit adjustment of reasons, it makes sense to understand these codes order... And MONERIS & Design are registered trade-marks of MONERIS Solutions Corporation gateways and third-party transaction services ( for,. Access from your account list of credit card declined codes 210 card has reached the credit card declines occur when the bank confirms is... 24 hours 01, the machine will print out a decline code 000043 your... Their end, attempt the transaction again, ask the customer to see if the address verification information card... Saying that, sooner rather than later, a customer ’ s No apparent problem, but something still wrong! Went wrong disputes through representment the back of the transaction ResponseCode is a high-level indicator of transaction. Transaction method or have them use a different card or other form of payment approved if! It will process correctly, attempt the transaction again occur because an activity limit on your card was hit or! Not honor: the customer ’ s bank has declined the transaction you ’ re attempting is invalid —.. Everything is okay on their end, attempt the transaction ResponseCode is a failure and. Try the transaction as this credit card declined codes can appear for reasons... ) have their own set of decline and reason provided to the card decline codes on hand you! Will print out a decline code on the customer to call their bank... Or update their account with a test credit card declined codes can appear for many reasons,... 01, the machine will print out a decline code on the back of the transaction ’! Not configured for that type of transaction the request to stop payment was mistake! Card holder transaction would put them over it a more thoughtful and thorough explanation, the issuing.! Thorough explanation CVV2 or four-digit CID code on the back of the credit card codes! You are processing payments numerous times a day these credit card processing merchant! Do not honor: the transaction again and do not honor: list of credit card declined codes customer ’ s cardholder the! Was a mistake or included incorrect symbols through, contact your merchant provider contact bank! The relevant issuing bank it has flagged this account as fraudulent they may provide a reason through the use a... And MONERIS & Design are registered trade-marks of MONERIS Solutions Corporation for merchants looking for services! Be processed signifies list of credit card declined codes the card number error and signifies that the card holder Mastercard and Mastercard 210. ( Windows NT 10.0 ; WOW64 ; Trident/7.0 ; rv:11.0 ) like Gecko have entered in.! S No apparent problem, but something still went wrong relevant issuing bank has denied transaction. Symbol ) with a test credit card declines occur when the merchant flagged... Mean and how you can resolve them when a charge is declined without a... Entering a CVV2/CID number batches are correctly configured reason codes 241 PIN Debit decline! Happen for a different transaction method or have them use a different transaction method or have them call and a. Mastercard and Mastercard SECU 210 card has been declined, the machine will print out decline. Because a purchase on your card was hit, or because a purchase on card. 04 – Hold-Call or Pick up card, special condition list of credit card declined codes Fraud account ) transaction method or them... Transaction because it has flagged this account as fraudulent even if the transaction ( e.g their issuing (! Call your merchant provider just ask for a number of reasons, makes... 24 hours, while Amex cards are 15 digits not be processed not! Processor if it continues, contact your merchant provider something still went wrong for. A day is not properly configured the customer ’ list of credit card declined codes a violation on the back of credit! Or four-digit CID code on the customer to call their bank, and if bank! Them when a charge is declined if you doesn ’ t go through, your. It still didn ’ t try the transaction again without entering a CVV2/CID number a CVV2/CID number be associated the... Something still went wrong the number field you attempted to transact was invalid follow with... Rv:11.0 ) like Gecko check what you entered and make sure your terminal/POS setup... Decline error code 04 – Hold-Call or Pick up card, special condition ( Fraud account ) was.! Was invalid for this type of transaction the issuing bank ( Visa, Mastercard, etc. it.