Credit card decline codes

Written By Tom Wesolowski (Administrator)

Updated at July 2nd, 2020

A credit card decline occurs when the payment cannot be processed for a particular reason. 

The transaction can be declined by the processor, the payment gateway or, what is the most common, by the issuing bank. Then, you, as a merchant, will see the relevant issuer decline code that comes with a certain reason.


The processing system assigns these codes to transactions and you can see a short explanation for each of them when checking charge details in the SecurionPay dashboard. It looks like the example below.


           

Decline codes are provided when a transaction cannot be completed.

In the following table, you can find the most common error codes with the explanation and recommended action you can take.


Code number

Reason

Explanation

0

Transaction Approved Successfully

The transaction is approved and completed successfully.

1

Refer To Card Issuer

The transaction is refused by the issuer, so the cardholder should contact the issuing bank to clarify the situation. 

You can suggest a cardholder to use a separate card or try again after resolving the issue with their bank.

3

Invalid Merchant Number

This error indicates that the entered details are incorrect or your merchant facility is non-functional.

4

Pick Up Card

The transaction is declined by the issuing bank that requested for retaining the card as it could be reported as lost or stolen. 

Ask the customer for using a separate card or contact their bank to resolve the issue.

5

Do Not Honour

The issuing bank is unwilling to accept the transaction.

 Ask the customer for a separate card to complete the transaction or ask them to contact the bank for more details.

6

Error

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. 

For the recurring or scheduled transaction, make sure that the card wasn’t incorrectly flagged as fraudulent. 

Ask a customer to contact their bank or update their payment details with a new card.

12

Invalid Transaction

An error occurred while processing the card. Transaction not supported.

13

Invalid Amount

Double check what is entered and make sure it wasn’t negative or included incorrect symbols.

14

Invalid Card Number

The card issuing bank has declined the transaction because of an incorrectly entered a credit card number or a number that doesn’t exist.

Double check the card details and try processing again.

15

No Issuer

The customer’s card issuer doesn’t exist. Double check the card number and try processing the transaction again. The card number should start with 3 (AMEX), 4 (Visa), 5 (MasterCard), or 6 (Discover).

22

Suspected Malfunction

The issuing bank is not responding during the transaction. 

The cardholder should check the card information and try processing again.

30

Format Error

Double check the setup on your merchant account, as it may be incorrect.

31

Bank Not Supported By Switch

The customer’s bank has declined the transaction because it doesn’t allow using the card for mail/telephone, fax, email or internet orders.

The error usually comes with the Discover card, so the customer should use a separate card. If a Discover card wasn’t used, ask the cardholder to contact their bank.

34

Suspected Fraud, Retain Card

The transaction is declined by the issuing bank as there is suspected fraud on this credit card number.

Monitor subsequent transactions to check for fraudulent transactions on alternate cards. If there are multiple fraudulent transactions, please contact us. 

37

Contact Acquirer Security Department

The customer’s card issuer has declined the transaction and requested to retain your customer’s card. The customer should use an alternate card or contact their bank.

After receiving this particular error, monitor subsequent transactions for fraudulent transactions on alternate cards. 

41

Lost Card

The issuing bank has declined the transaction as the owner of the card reported it as lost or stolen. In this case, don’t retry the transaction and don’t provide any goods or services to the cardholder. 

Validate the customer authenticity and refer the cardholder to the issuer.

42

No Universal Account

The transaction is declined by the issuing bank as the account type is not valid for this card number. 

Ask the customer to use a separate card or to contact their bank.

43

Stolen Card

The issuing bank has declined the transaction as the credit card owner has reported this card as stolen. 

Don’t try the transaction again and stop providing any goods or services to the customer, and report the transaction attempt to the relevant issuing bank.

49

The Card Was Declined

The customer’s card issuer has declined the transaction as the credit card is not enabled for online transactions.

The customer should use an alternate card or contact their bank.

51

Insufficient Funds

The transaction is denied by the issuing bank as there aren’t enough funds in the associated bank account to complete this payment or the transaction will put the customer’s credit card over the limit. 

Request a different card from a customer or ask them to contact their issuing bank.

53
No Savings Account

The customer’s card issuer has declined the transaction as the credit card number is associated to a savings account that does not exist.

54

Expired Card

The card is expired and no longer valid to use. Ask a customer to correct or switch the card.

56

No Card Record

The transaction is declined by the issuer, as the credit card number doesn’t exist. 

The customer should use a separate credit card.

57

Function Not Permitted To Cardholder

The issuing bank has declined the transaction as this card cannot be used for this type of transaction.

Ask the customer for using another card or contacting their bank. When the bank confirms it will process correctly, attempt the transaction again.

58

Function Not Permitted To Terminal

The code appears when the card cannot be used for this type of transaction or when the merchant processing account is not properly configured.

The response usually appears when test cards are used on the live gateway.

59

Suspected Fraud

The transaction is declined by the issuer because it appears fraudulent.

Monitor all the transactions processed after the error occurred.

61

Withdrawal Limit Exceeded

The issuer has declined the transaction because it will exceed the

customer’s card limit. Ask the customer to use another card.

62

Restricted Card

The issuer has declined the transactions due to the card being restricted in some way like for example not supporting online payments.

Customer will need to use a different card, or contact their bank.

67

Capture Card

The transaction is declined by the issuing bank because the card is suspected to be counterfeit. 

The customer’s card issuer has requested that your customer’s credit card is retained by you.

91

Card Issuer Unavailable

There was a problem contacting the issuing bank to authorize the transaction. The customer should attempt to process this transaction again.

If the problem persists, the cardholder should contact their bank.

92

Unable To Route Transaction

The customer’s card can’t be found for routing and the code is mostly used for a test credit card number. 

The cardholder should try to complete transaction again.

Was this article helpful?