Credit Card Decline Codes
Credit card error codes are a series of numbers showing faults of the transaction. It comes with an error message that points out the cause of the discrepancy. The error code and error message are stored in the merchant’s payment transaction history records.
Businesses should always check these codes during and after the transaction for record-keeping to prevent any potential issues later on.
As a customer, getting acquainted with the list of credit card decline codes is important. It helps you understand the cause of the error and can help you save time determining the problem and what to do next.
Here is a list of many of the credit card decline and common error codes that occur during a transaction. These codes are not only for high risk credit card processing transactions but all types of sales regardless of the product or service.
What is a credit card decline?
A credit card decline occurs when an online payment cannot be processed due to a specific reason. The service will not be complete as the request was rejected by the processor, the issuing bank, and the payment gateway.
Categories of a credit card decline
Soft declines happen when the servicing bank who issued the funds generously approves the payment, but the transaction fails to push through due to a specific ground.
On the other hand, hard declines occur when the bank completely denies the payment to complete the process.
In both cases, quick steps must be done to make sure there will be no lost payment caused by a card declined by the issuer. If it is a hard decline, the customer must immediately inform the issuing bank to complete the process.
Importance of knowing credit card decline codes
Whether you have a business or are a frequent shopper, having a general knowledge about credit card decline codes can help you understand if there is a problem.
When you use a rejected card as a buyer, you're taking away some precious time especially if the store is packed with customers and the line for payment is long. As a seller, they might think it's your fault, causing them to find a more reliable merchant to buy their items from.
Whatever the cause of the failed payment, it is good to know that whenever a card is turned down, the processor will display vital information: an error code with an error
Credit Card Approval Code
00 - Transaction Approved Successfully
Though it is not a decline, this is the most common code meaning the transaction is successful and authorized.
List of credit card declined codes
Now that you are familiar with credit card declines and its importance in your daily transactions, it's time to acquaint yourself with the different credit card response codes. Below are the most common codes you may encounter. (Note that gateways or processors have different credit card error processing codes and therefore, it is highly suggested to refer to the error message.)
01 - Refer To Card Issuer
Your issuing bank refused the transaction. The cardholder must immediately contact the card issuer for further clarification. The merchant can suggest using another credit card, or try to use the rejected card again after a resolution was made with the issuing bank.
03 - Invalid Merchant Number
This means that your retail system facility is not working properly or the details entered have some errors. Review the logged information and try again.
04 - Pick Up Card
The credit card used is reported lost or stolen, causing the transaction to be rejected by the issuing bank. Merchant can ask for another card to complete the transaction. The customer may immediately contact their credit card issuer for a resolution.
05 - Do Not Honor
The transaction is completely rejected by the credit card issuer. Asking the customer for another card or personally calling their issuing bank to settle the error are the highly recommended steps for resolution.
06 - Error
If this pops up, refrain from using the credit card and stop any transaction with the cardholder as this may be a sign of fraud. The cardholder will need to contact their issuing bank.
12 - Invalid Transaction
This means that the merchant may have entered a transaction detail multiple times causing it to be invalid. Review the gateway or processor and log-in cautiously.
13 - Invalid Amount
The logged-in amount may either contain an incorrect symbol or it’s a negative. Double check the information in the gateway or processor before finalizing lessens this error.
14 - Invalid Card Number
The transaction is rejected because the credit card number entered is wrong or it doesn't exist. Check the card number again then proceed with the transaction.
15 - No Issuer
This means that the issuer of the credit card is non-existent. Verify the card number then try to proceed with the transaction again. For reference, American Express credit cards start at 3; Visa card credit cards start at 4; 5 for MasterCard credit cards and Discover credit cards begin at 6.
22 - Suspected Malfunction
During the transaction, the servicing bank is not responding. The customer must verify their card and proceed with the transaction again.
30 - Format Error
The merchant account may have an error in its setup. Double-check the settings then try again.
31 - Bank Not Supported By Switch
The servicing bank of the customer did not accept the transaction because telephone/mail, fax, internet, or email orders are not allowed.
This error usually happens when using Discover cards. Customers are highly advised to transact using another card.
34 - Suspected Fraud, Retain Card
There is a suspected fraud on this credit card account voiding the transaction. Merchants must check succeeding transactions as there could be another fraudulent act on another card.
37 - Contact Acquirer Security Department
This means that the credit card issuer declined the transaction and sought to get hold of the card. Ask for an alternate card or suggest the cardholder to call their bank as soon as possible.
41 - Lost Card
The decline is caused as the credit card was reported to be stolen or lost. Check the authenticity of the customer and ask them to call their card issuer. Never retry to proceed with the transaction.
42 - No Universal Account
This means that the transaction is void as the credit card number is invalid for the account type. Instruct the customer to transact using a separate credit card or call their issuer.
43 - Stolen Card
The owner reported that the credit card is stolen. Refrain from dealing with the customer. Immediately inform the incident to the issuing bank.
49 - The Card Was Declined
The transaction is not honored as the credit card cannot be used for online transactions.
Ask the customer to use another card or contact their issuer.
51 - Insufficient Funds
This means that the transaction is not finalized due to insufficient funds in the credit card. Ask for another card to proceed.
54 - Expired Card
It means that the credit card used is expired and invalid. Request for another card.
56- No Card Record
The decline was caused as the card number is non-existent. Ask for another credit card to proceed with the transaction.
57 - Function Not Permitted To Cardholder
The servicing bank refused to proceed as the card is not meant to be used for this type of transaction.
Suggest to the customer to contact their issuer. After calling their bank and confirming the process, try to proceed with the transaction.
58 - Function Not Permitted To Terminal
This error code happens when the account of the merchant is not configured. Try reconfiguring the merchant account, then proceed again with the transaction.
59 - Suspected Fraud
The transaction appears to be fraudulent. All the transactions processed after the error must be double-checked.
61 - Withdrawal Limit Exceeded
The servicing bank rejected the transaction as it will exceed the limit of the credit card. Suggest the customer to transact using another credit card.
62 - Restricted Card
The credit card cannot be used in certain areas or countries. Ask for another card to finalize the transaction.
67 - Capture Card
This type of credit card processing error code means the card is suspected to be counterfeit. Also, the issuer bank requests that you retain the card information. Suggest the customer to use another card. As a merchant, call the issuer immediately.
91 - Card Issuer Unavailable
A problem occurred while connecting to the issuer to finalize the transaction. Try processing again. If the same error happens, the cardholder must call their servicing bank.
92 - Unable to Route Transaction
This means that the card cannot be routed. Also, the code is often used for a test card number.
While these are the most common error and decline codes, different issuers might use different response codes in different situations. If customers encounter a declined code during a transaction, they might want to make a copy of the response and contact their issuer. The issuer will know exactly the problem and be able to explain a resolution.