Decline Codes

Transaction Response Codes and Descriptions

Code	Response Text	Description
1	Refer to Issuer	The issuing bank declined the transaction without providing a specific reason.
2	Refer to Issuer (Special Condition)	The issuer blocked the transaction, possibly due to travel or an unusually large purchase.
3	Invalid Account	The card or account number is invalid or does not exist.
4	Hold–Call or Pick Up Card	Card reported lost or stolen; merchant is advised to retain the card.
5	Do Not Honor	Transaction declined by the issuer; retry with a different payment method.
6	Other Error	Unidentified error with the issuing institution.
7	Pick Up Card (Special Condition)	The account is flagged as fraudulent; merchant is advised to retain the card.
10	Partial Approval	Only part of the amount was approved, likely due to credit limit restrictions.
12	Invalid Transaction	The transaction request is not valid, typically due to merchant-side issues.
13	Invalid Amount	The amount entered is invalid or improperly formatted.
14	Invalid Card Number	The card number is incorrect or mistyped.
15	No Such Issuer	The first digit of the card number does not correspond to any known issuer.
19	Re-enter	An unknown error occurred; try the transaction again.
25	POS Condition Code Invalid	Invalid terminal settings; re-enter the transaction.
28	File Temporarily Unavailable	Authorization system is temporarily down; retry later.
39	No Credit Account	The account does not support credit transactions.
41	Lost Card – Pick Up	Card reported lost; merchant should retain the card if possible.
43	Stolen Card – Pick Up	Card reported stolen; merchant should retain the card if possible.
46	Account Closed / Re-validation Required	The account is closed or requires additional validation.
51	Insufficient Funds	The transaction exceeds the available balance or credit limit.
52	Invalid Account Type	The card cannot process this type of transaction (e.g., refund).
53	Invalid Account Type	Same as above; may indicate an outdated or misconfigured account.
54	Expired Card	The card has expired and is no longer valid.
57	Transaction Not Permitted – Card	The card is not authorized for this type of transaction.
58	Transaction Not Permitted – Terminal	Merchant terminal is not configured for this type of transaction.
59	Suspected Fraud	The transaction was flagged as potentially fraudulent.
61	Exceeds Issuer Withdrawal Limit	The transaction exceeds the issuer’s pre-set withdrawal limit.
62	Invalid Service Code / Restricted Card	The card cannot be used with this type of merchant or terminal.
63	Security Violation	A security error occurred, such as CVV mismatch.
65	Activity Limit Exceeded	The cardholder exceeded the number of allowed transactions.
75	Allowance of PIN Entries Exceeded	Too many incorrect PIN attempts; the card is locked.
76	Unsolicited Reversal	A reversal was received for which there was no matching original transaction.
78	No Account	The issuing bank cannot locate the account number.
82	CVV Error	The card verification value (CVV) is invalid or could not be verified.
84	Duplicated Transmission	The same transaction was submitted more than once.
85	Issuer System Unavailable	The issuer’s system is currently unreachable or offline.
86	Cannot Verify PIN	The system could not verify the PIN due to technical issues.
91	Issuer or Switch Unavailable	Temporary communication error with issuer or processor.
92	Unable to Route Transaction	No available route to process the transaction.
93	Violation – Cannot Complete	A legal or policy violation prevented the transaction.
96	System Error	A general system malfunction occurred.
N4	Cash Request Exceeds Limit	The cash withdrawal request exceeds the card’s allowed limit.
R0	Stop Payment Order	The customer has requested to stop this recurring payment.
R1	Revocation of Authorization Order	The customer revoked authorization for this transaction.
R3	Revocation of All Authorizations	The customer revoked authorization for all future transactions.