If it’s an in-person transaction, you should take the card from the customer, call to report that the code was received, and keep the card.If you get one of these error codes, it can be due to anything from a typo to a system error. Ask the customer to call their bank?
This could be due to a variety of reasons, from insufficient funds to an expired card.
To use the original card, they will need to contact their issuer to restart recurring payments.
Here are the most common credit card declined codes you may encounter: The customer’s bank won’t let this payment go through.
A credit card decline occurs when the payment cannot be processed for a particular reason. Let us know so the money will flow!Check presenters, tip trays, Visa decals, and more – all free!Integrate card-present payments into any POS or SaaSCloud-based hardware integration for any payment processor on any platform.Connect ecommerce platforms easily using hosted pages, API, or JavascriptLet’s work together to make a real difference for business owners.This website uses cookies to improve your experience. This frequently occurs when attempting to refund a credit card payment. Also, keep in mind that repeated attempts on the same payment method can overstate your decline ratio. : The customer’s bank is preventing this transaction because the card has been reported as lost. If repeated attempts still fail, contact your credit card processor for troubleshooting steps.The customer has exceeded their credit limit (code 51 or 65) or the card is expired (code 54). They can also, of course, provide you with a different card.You may notice that a lot of these courses of action suggest that you call your credit card processing provider. Fraudulent activity has already been detected with the customer’s account, the customer has reported the card as lost or stolen, or the CVV2/CID code is incorrect.
Just like Code 01, the issuing bank (Visa, Mastercard, etc.) If you see a CV code, there is a chance it could be your account configuration that’s causing the problem.
Once the bank has resolved the problem, the customer can again present the card for payment and the transaction should proceed without issue. In the following, you can find the most common error codes with the explanation and recommended action you can take. Check to make sure the credit card number is correct (codes 14 and 15) and that the transaction amount is not negative and contains no errant numbers or symbols (code 13), then try the transaction again.A temporary or unknown problem occurred while authorizing the transaction. Double check the payment type and payment information to make sure it’s all correct. Do not honor the transaction and do not provide services to this customer.
... Decline for CVV2 failure (VISA) 42 No Universal Amount P2 Invalid biller information (VISA) 43 Stolen Card - Pick Up P5 PIN Change Unblock Declined (VISA…
If the customer can’t or doesn’t want to call their bank, they will need to provide an alternative method of payment to complete the transaction.These are classic fraud alerts. When you’re satisfied, try the transaction again. The transaction is declined by the issuer, as the credit card number doesn’t exist. The customer may need to present an alternative method of payment in the meantime. Generally, the decline code you receive through your credit card processing company is the actual response from the customer’s issuing bank. 57: Function Not Permitted To Cardholder: The issuing bank has declined the transaction as this card cannot be used for this type of transaction. The customer should contact their issuing bank to request an increase in their credit limit or request the new expiration date. If you know and trust the customer, ask them to provide an alternative method of payment so you can complete the transaction, then encourage them to call their bank to figure out what’s going on.
Perhaps, for instance, you are trying to process an international card for which your terminal is not configured.
Ask the customer to call their bank to resolve the problem, or ask them to provide an alternate payment method.A hold-call code may indicate fraudulent use of the credit card.
Code 51, 54, or 65 The customer has exceeded their credit limit (code 51 or 65) or the card is expired (code 54). Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. The hard decline, by contrast, is when the payment is not approved by the issuing bank, so your customer should contact their bank to resolve the issue.Decline codes are provided when a transaction cannot be completed, so it’s good to know the explanation for each of them. Take the time to note the following dispute reason codes for Visa.
We'll assume you're ok with this, but you can opt-out if you wish. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Here is the full list of credit card declined codes, by category: Call/Decline Codes Credit Card Declined Codes.
Code Description; 01: Visa credit: 04: Cash: 02: Visa debit: 05: Debit/deposit access accounts other than those linked to a Visa card (includes checking/savings accounts and proprietary debit/ATM cards) 03: Visa prepaid: 06: Credit accounts other than those linked to a Visa card (includes credit cards and proprietary credit lines) Panic?