Response Code: 01 Refer to issuer 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.
The customer's card issuer has indicated there is a problem with the card number. The customer should contact their bank or the customer should use an alternate card.
The cardholder may just need to re-enter their card details, or contact the card issuer to resolve the issue. In rare cases, the response code may also highlight that the transaction is suspected as fraudulent.
02 – Refer to issuer (special condition): The user's bank rejected the transaction. You must contact the bank for the explanation and fix. 03 – Invalid merchant: This code arises if the payment information is entered incorrectly or if your merchant account or credit card terminal isn't configured properly.
Response codes tell merchants why. Maybe it was because of insufficient funds, an expired card or fraud. Whatever the reason, response codes are generated every time an issuing bank approves or declines a transaction.
HTTP Response Codes indicate whether specific HTTP requests have been successfully completed. Basically, it's an indicator of whether a web page has loaded successfully. Responses are grouped into five classes: informational responses, successful responses, re-directs, client errors, and server errors.
The HTTP 201 Created success status response code indicates that the request has succeeded and has led to the creation of a resource.
The customer's card issuer has declined the transaction and requested that the card be retained as the card may have been reported as lost or stolen. The customer should use an alternate credit card, or contact their bank.
Code 3: Respond to the call with using lights and sirens. Code 2: Respond to the call with emergency lights, but without sirens. Alternatively, sirens may be used if necessary, such as to make traffic yield or when going through intersections. Code 1: Respond to the call without emergency lights and sirens.
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.
There are a number of issues that could result in a debit card decline. For starters, you could be mistaken about your balance, or you may have reached your daily limit for withdrawals. The bank may feel the transaction is suspicious, based on your purchase history. Technical issues may also be to blame.
Attempts to exceed your daily transaction amount. Lack of available funds. Expired card information is being used. Possible magnetic strip damage (in this case, you'll need a new card).
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 ...
You've entered incorrect card details
At times you may enter incorrect card details such as card number, CVV, PIN, expiry date, or OTP while making a payment. You will get a transaction declined notification with the appropriate reason mentioned in it.
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.
Status code 0 is often used by browser-based APIs, such as XMLHttpRequest (XHR) and fetch, to indicate that the request was aborted. This can happen for a variety of reasons, such as the user navigating away from the page before the request was completed or a timeout occurring.
This error is a generic bank response code that has several possible causes. However it does generally indicate a card error, not an error with your merchant facility. The '05' error indicates your bank declining the customer's card for an unspecified reason.
The POST method is used to send data to the server. Perhaps the most common status code returned is 200. It simply means that the request was received, understood, and is being processed, whereas the 201 status code indicates that a request was successful and a resource was created as a result.
The HyperText Transfer Protocol (HTTP) 202 Accepted response status code indicates that the request has been accepted for processing, but the processing has not been completed; in fact, processing may not have started yet.
The HTTP 200 OK success status response code indicates that the request has succeeded. A 200 response is cacheable by default. The meaning of a success depends on the HTTP request method: GET : The resource has been fetched and is transmitted in the message body.
The card issuer has indicated there is a problem with the card number.
R10 – Originator is Not Known to Receiver, or Originator is Not Authorized to Debit Receiver's Account: The receiver does not have a business relationship with the originator, or has not authorized the originator to debit their account.
Merchants who receive a chargeback for a transaction placed with a Visa card may encounter reason code 86, which indicates an improperly authorized transaction that the cardholder does not believe they should be responsible for paying.
The three digits of the bank institution number, combined with a five-digit transit number, make up the routing number. These numbers are used to process bank transactions, such as wire transfers, direct deposits and automatic bill and loan payments.