Decline code 117 usually means an Incorrect PIN was entered for a card transaction, but in other systems, it can mean a corrupted download (Adobe), a spouse's net income missing (H&R Block), GPU driver crash (Microsoft), or a Netflix data issue, depending on the specific service or device. For payments, it's a common issuer refusal for wrong PIN; for software, it points to file corruption or data entry errors; and for hardware, it often signals a graphics driver failure.
Transaction settings in your PayPal Manager account do not match the constraints submitted for the related transaction due to the following reasons: The transaction amount exceeds the Maximum Transaction Amount limit on the account. The maximum amount for credits has been exceeded.
It may be due to the physical card, the linked account, a connection issue or merchant error. The following are some common reasons which may assist you to understand why your transaction may have declined. The card may be damaged, preventing the terminal from reading the chip or magstripe.
Try the following:
The default transaction event codes specified in this setting are T0001 (MassPay payment), T0004 (eBay auction payment), T0006 (PayPal Checkout APIs), and T1107 (Payment refund, initiated by the merchant) which are used to match the auto-populated sales.
The only way they can be traced is if someone has the exact alphanumeric code associated with that transaction and access to the relevant system. It would be challenging for fraudsters to access or use this information.
You can get $10 free PayPal money through official referral programs (like signing up via a friend's link and making a small purchase), using rewards sites like Swagbucks to redeem points for PayPal, completing tasks on user testing sites, or finding limited-time promotions within PayPal or linked apps like Google Play. Legitimate methods involve earning cash back, surveys, or sign-up bonuses rather than "free" cash with no effort.
Your card may be declined for a number of reasons: the card has expired; you're over your credit limit; the card issuer sees suspicious activity that could be a sign of fraud; or a hotel, rental car company, or other business placed a block (or hold) on your card for its estimated total of your bill.
Your credit card issuer may decline your transactions for various reasons, like if you exceed your credit limit, made an unusual purchase, made a purchase in another state or country, or if your payment information was incorrect.
Soft declines are temporary issues like insufficient funds or authentication required. They can usually be retried successfully. Hard declines are permanent failures, such as a stolen card or invalid account, and should not be retried without changes from the customer.
Simply lock and unlock your card in Online Banking or Cards Hub in the Westpac App.
Depending on the reason for the block, you can unblock your credit card by calling the bank or credit card company and discussing the issue. You may need to go through extra steps such as: Answering security questions to confirm your ID. Negotiating your credit limit.
Westpac has faced significant trouble due to major regulatory breaches, primarily for failing anti-money laundering (AML) laws, leading to record fines and executive resignations in 2020, and ongoing issues like systemic loan misconduct allegations (ASIC suing RAMS in 2025), charging fees to deceased customers, and unconscionable conduct in interest rate swaps (2024), all damaging its reputation and requiring large financial provisions.
Sometimes a transaction is declined because of insufficient funds. Check your account to make sure you have enough to complete the purchase.
Each code denotes a different reason for why a payment is declined.
What should I do if I receive an error code P1002 when making payment online? This could mean that your bank was unable to process the payment. Please use another credit / debit card or payment method, and try again. If the issue persists, contact your bank for help.
If a customer's card is declined, it's not likely the transaction will go through a second time.
A list of common declined credit card codes
Your card might be declined for a few common reasons, like entering the wrong PIN, hitting your daily spending limit, or your transaction being flagged for unusual activity.
Try the following:
The "15" and "3" refer to the days before your credit card statement's closing date. Specifically, the rule suggests you make one payment 15 days before your statement closes and another payment three days before it closes.
An authorized charge that is not completed by the vendor or a declined charge will remain on the Authorization Log for 5-7 days. After that time, the transaction will either post to the account or drop off the log if it was not finalized.
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