While there are dozens of different card decline codes currently active, the most commonly used codes are as follows: 05 (Do not honor), 14 (Invalid card number), 41 (Lost card, pick up), 43 (Stolen card, pick up), 51(Insufficient funds), 54 (Expired card), 61 (Exceeds issuer withdrawal limit), 65 (Activity limit ...
Code 7 — Pick up the card, special condition (fraud account): The card issuer has flagged the account for fraud and therefore denied the transaction.
Transaction Response 06 - Error
The customer's card issuer has declined the transaction as there is a problem with the card number. The customer should contact their card issuer and/or use an alternate card.
The [14] Card No.
error code means that the credit card number was entered incorrectly. To fix this issue, re-submit your credit card or use a different credit card. For more information about common error codes, see the article: Resolving issues when your credit card fails.
The declined 04 message is a common code that you might come across when accepting credit card payments. The credit card declined code 04 means: Pick Up Card (No Fraud). When you receive declined code 04, it means the card has been reported either lost or stolen, but not flagged for fraudulent use.
03 Invalid Merchant Number – this error code indicates that the entered credit card information is incorrect. Another reason why you will receive this error is possibly because the merchant facility is non-functional.
Do not Honor (05) is the most common and general message for card transactions that are declined by the Bank. It indicates that the Issuing Bank will not validate the transaction. It is caused by many factors such as mistyping, insufficient funds, etc.
This code is often returned from the issuer when they do not accept the transaction. This can possibly be when a transaction for the same amount and merchant is attempted multiple times quickly for the same card. The cardholder should contact their issuing bank.
Receiving error code 15 tells you the card number was entered incorrectly. To be more specific, it means the first number is incorrect. Each major credit card provider has its own number that every card they issue must start with.
The customer's card issuer has declined the transaction because of an invalid format or field. Check the transaction information and try processing the transaction again. An invalid character (e.g. a dollar sign or a space) may be being passed to eWAY.
02 – Refer to issuer (special condition)
Just like Code 01, the issuing bank (Visa, Mastercard, etc.) prevented the transaction. 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 credit card decline Code 02 instructs the cardholder to refer to their issuer for a special condition. Similar to Decline Code 01, the financial institution that issued the card is declining the transaction. You should advise the customer to contact their issuing bank for further explanation.
Credit card declined code 01 means that the card's issuer has signaled a problem with the card number. The customer should contact their issuing bank and use a different card to complete the transaction. Once the customer contacts the issuing bank, they can resolve the issue.
The customer's card issuer could not be contacted during the transaction. The customer should check the card information and try processing the transaction again.
Error Code 19 is one of the most common error codes in the payment processing industry. When you see this code, it means you need to re-enter the data. You might call error code 19 a mystery code, as the credit card terminal is telling you it does not understand or know why the transaction has failed.
An unspecified bank error has occurred. No further information is available from eWAY or the bank. The customer should attempt to process the transaction again.
To the issuing bank, however, “Code 10” signifies that the merchant suspects possible fraud: either that the payment card has been stolen or tampered with, or that the customer is not who they claim to be.
What causes code 10.1 chargebacks? This chargeback usually happens when a fraudster creates a counterfeit credit card and goes looking for a merchant who doesn't use EMV-compatible payment terminals.
What causes code 11.1 chargebacks? While code 11.1 chargebacks are technically caused by a card being listed on Visa's card recovery bulletin, the true root cause of the chargeback is that the merchant failed to process an authorization request for the transaction.
Code 62 chargebacks usually occur when a merchant fails to scan the EMV chip on a credit card and processes a transaction using the magnetic stripe, either because they didn't have the proper terminal or because the customer claimed the chip wasn't working.
The customer's card issuer cannot be found for routing. This response code is often returned when the customer is using a test credit card number. The customer should attempt to process this transaction again.
The card issuer (your customer's bank) could not be contacted, or did not respond in time. The credit card transaction has not been processed. You can retry the transaction after waiting for 15 minutes.
Merchants who receive a chargeback for a transaction placed with a Visa card may encounter reason code 30, which indicates a disputed transaction that the cardholder does not believe they should be responsible for paying. The actual underlying cause of this chargeback may either be friendly fraud or merchant error.
The [51] Decline code error means that there are insufficient funds on your credit card to process the payment.
Visa chargeback reason code 90 falls under the “Consumer Disputes” category. The shorthand description is “Non-Receipt of Cash or Load Transaction Value at ATM.” This code means the cardholder claims that they made a cash withdrawal at an ATM and didn't receive the correct amount.