Category 3 - Issuer Cannot Approve based on Details Provided Codes in this category indicate that the Issuer cannot approve based on the details provided, such as an incorrect Card Verification Value 2 (CVV2) or expiration date.
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 ...
03 - Invalid merchant: The merchant may not have configured their payment processor software correctly. 41 or 43 - Pick up card, lost or stolen: The card has been reported lost or stolen, and the issuer is asking the merchant to keep the card, if possible, and call them.
Unlike error codes, decline codes typically indicate that you can't process a payment. This might be due to insufficient funds, blocked transactions, expired card details, or many other reasons. Typically, decline codes refer to an issue on the cardholder's end rather than the merchant's.
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.
The bank usually pays for stolen credit card purchases. Sometimes, the merchant is responsible. The consumer almost never pays for stolen credit card purchases.
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.
Code 4: This is a decline code from TeleCheck. It means that TeleCheck has information on file that prevents warranty of any check from this writer or company.
78 - No account. 93 - Transaction cannot be completed. R0 - Stop payment order. R1 - Revocation of authorization order. R3 - Revocation of all authorization.
Visa®, Mastercard®, and Discover® cardholders:
Turn your card over and look at the signature box. You should see either the entire 16-digit credit card number or just the last four digits followed by a special 3-digit code. This 3-digit code is your CVV number / Card Security Code.
A card verification value (CVV) or card verification code (CVC) is a 3 or 4 digit security code usually found on the back of your credit card. CVV codes provide a second layer of authentication, which helps to verify the card holder's identity when making remote transactions.
The CVV2 (Card Verification Value 2) is a 3-digit security code that is printed on the back of your card, at the end of the signature panel. CVV2 is generally used for transactions when the card is not physically presented, such as in online purchases.
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.
List of common credit card declined codes. 05 / Do not honor: The customer's bank won't let this payment go through. To resolve the problem, ask the customer to contact their bank and then try again. 14 / Invalid card number: There might be a typo somewhere.
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.
C03 Routing Number and Account Number – The routing number and account number are incorrect. Change the Receiver's financial institution routing number and account number so the correct information is entered.
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.
An approval code is a PIN or other verification code needed to authorize a payment going through the cash register. SIMILAR WORDS: authorization code.
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.
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.
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.
The code Z3 or Y3 appears when the terminal is unable to go online.
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 unspecified bank error has occurred. No further information is available from eWAY or the bank. The customer should attempt to process the transaction again.
A: Most payment card fraud investigations are actually handled by the cardholder's issuing bank, rather than a card network like Visa or Mastercard. Generally speaking, after a customer makes a complaint, the bank will gather any relevant information and examine the transaction details closely.