Decline code 78, often meaning "Blocked, first use," indicates a payment was blocked because it's the first transaction on a new card, triggering fraud prevention by the issuer who wants to confirm legitimacy; the cardholder usually needs to contact their bank to verify their identity and activate the card for online or specific use. It can also mean "No account" or an invalid account with the issuer, suggesting a card number error or a new card that hasn't been fully activated.
The decline code “78: Blocked, first use” generally indicates that a transaction has been blocked because the credit card being used is new or has not been used before.
Merchants who receive a chargeback for a transaction placed with a Visa card may encounter reason code 78, which indicates an improperly authorized transaction that the cardholder does not believe they should be responsible for paying. The actual underlying cause of this chargeback is usually merchant error.
Each code denotes a different reason for why a payment is declined.
The number “79” in the message refers to a specific error code associated with payment gateways or card issuers. While error codes can vary across different systems, “79” generally indicates that a decline was processed, but due to a reversal or adjustment, the transaction is no longer under dispute or blocked.
Try the following:
Shopping online
Make sure you have entered the right card details including the expiry date and the 3-digit security code at the back (CVV). You may also be asked to enter a billing address and account holder name. You can view your card details in the app.
The decline code 76, referred to as “Unsolicited Reversal,” indicates that a reversal transaction (an attempt to cancel or reverse a previously authorized payment) was received, but there was no matching authorization found.
What are the error codes for card transactions? There are dozens of different error or decline codes. Each decline code specifies why a transaction was declined. For example, common errors include 01 (Refer to issuer), 03 (Invalid merchant), 05 (Do not honor), 13 (Invalid amount), and 55 (Invalid PIN).
Visa chargeback reason code 72 falls under the “Authorization” category. The shorthand description is “No Authorization.” This reason code indicates that the merchant processed a transaction without first obtaining a correct and valid authorization approval.
Exceeding the maximum allowed days: Insurance plans typically have a maximum number of days they will cover for a particular service or procedure. If the patient stays in the hospital or receives services beyond the allowed limit, the insurance company may deny coverage for the additional days, resulting in code 78.
HS Code 78 - Tariff Classification of - Lead and articles thereof.
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.
When your credit card is declined, it means the transaction has been refused by the issuer. This could be due to insufficient balance available to spend, incorrect details, expiration, fraud detection, or a block on the card.
Visa and MasterCard
The card security code (CSC) is usually a 3 - or 4 - digit number, which is not part of the credit card number. The CSC is typically printed on the back of a credit card (usually in the signature field). On some cards, all or part of the card number appears before the CSC, for example, 1234 567.
A card decline is when a card payment isn't authorized or accepted. There are many reasons a credit or debit card might be declined – for example, the card has expired, there are insufficient funds, or one of the parties in the payment ecosystem detects fraudulent activity.
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A card decline code is an alpha-numeric token indicating rejected payments and explains why a transaction has failed. By George Ralchev.
Transaction codes represent the various bank transactions that you will use in the Accounts Payable and Accounts Receivable applications. You can define transaction codes for types of payments, such as checks or bills of exchange, or for bank services, such as deposits or service charges.
Visa chargeback reason code 77 falls under the “Point-of-Interaction Error” category. The shorthand description is “Non-Matching Account Number.” This code means that the merchant processed a transaction against an account number that doesn't match any cardholder account number on the issuing bank's master file.
Visa chargeback reason code 74 falls under the “Point-of-Interaction Error” category. The shorthand description is “Late Presentment.” This code indicates that the merchant waited too long to process a transaction after it was made.
Merchants who receive a chargeback for a transaction placed with a Visa card may encounter reason code 76, which indicates an improperly processed transaction that the cardholder does not believe they should be responsible for paying.
If you've made some big-ticket purchases in the last 24 hours, your debit card might be denied because you've reached your daily purchase limit. Debit cards have daily purchase limits set by financial institutions to ensure your money is safe. The daily purchase limit for your debit card depends on where you bank.
The 2/3/4 Rule is an informal guideline, primarily used by Bank of America, that limits how many new credit cards you can be approved for: two in a two-month (or 30-day) period, three in a 12-month period, and four in a 24-month period, helping lenders manage risk from frequent applications and "churning" for bonuses. It's a rule for applicants, not a limit on how many cards you should have, but a strategy for managing applications to avoid automatic denials.
When attempting to make your purchase, especially online or via mobile app, it's easy to incorrectly enter a digit of your credit card number, expiration date or security code. If that's not the issue, maybe your billing address is outdated. These could all be simple explanations for a declined transaction.