Error codes for Credit Cards

If the customer received a decline from Payment Scheme or an Issuer, we recommend your customers contact their bank to check the specific decline reason or try using an alternative card / payment method. Unfortunately our gateway cannot control such declines however we are always open for additional investigation if you detect a tendency in declines or suspect BIN / Country / Transaction type general issues. Contact our Support Team for more explanations.

Error CodeError messageDescription
02Refer to card issuerThe card issuer had indicated a problem with the credit card number. Customer should contact the bank
03Invalid merchantUsed when the issuer or cardholder has restricted (temporary or permanent) the card or product definition to not allow usage at Merchant Category Code (MCC)
04Do not honourGenerally indicates a card error. Bank is declining customer's card for an unspecified reason.
05Do not honourGenerally indicates a card error. Bank is declining customer's card for an unspecified reason.
06Invalid Transaction for TerminalDo not reattempt. The issuer will never approve.
07Honour with IDTransaction processed successfully. Some banks return this code instead of 00 response
08Time-Out
09No Original
10Unable to Reverse
12Invalid transactionInvalid card / issuer / acquirer
13Invalid amountInvalid character (e.g. dollar sign or space)
14Invalid card numberCredit card does not exist or incorrect. Check the credit card information and try again
17Invalid Capture date (terminal business date)Date field entered by the customer is invalid
19System Error; Re-enter transactionTransaction has not been processed. Please try again. Used when the issuer is temporarily unable to process a transaction due to an error in the message structure or field format or Address Verification failure. It is also used by Visa when a transaction exceeds the merchant fraud threshold designated in the Visa Transaction Advisor Service.
20No From Account
21No To Account
22No Checking AccountCredit card number is associated to a cheque account that does not exist
23No Saving AccountCredit card number is associated to a savings account that does not exist.
24No Credit AccountCredit card number used is not a credit account. Try an alternate credit card
25Lifecycle decline
25.01Lifecycle declineUpdated information found in ABU (Automatic Billing Updater). Check before retrying
25.02Lifecycle decline. Retry laterPlease retry transaction later
25.03Lifecycle declineSuspected fraud, do not retry
26Policy decline
26.01Policy declineUpdated information found in ABU (Automatic Billing Updater). Check card data before repeating.
26.02Policy decline. Retry laterPlease retry transaction later
26.03Policy declineNo updated credentials, do not retry
30Format errorCard issuer does not recognize the transaction details. Check transaction information and try again
31Blocked, first Used (domestic Brazil only)Transaction from a new cardholder, and card was not properly unblocked. The account is temporarily blocked for all transactions due a special condition (e.g., delinquency or cardholder request). Applied globally from April 2021
34Implausible card data
39Transaction Not AllowedCard issue does not allow this type of transaction
41Lost Card, PickupCard issuer has declined the transaction as the card has been reported lost
42Special PickupCard issuer has declined the transaction as the card has been reported lost or stolen
43Hot Card, Pickup (if possible)Card issuer has declined the transaction as the card has been reported stolen
44Pickup CardCard issuer has declined the transaction as the card has been reported stolen
45Fallback transaction not allowed (Union Pay only)
46Closed accountDo not reattempt. The issuer will never approve.
51Not sufficient fundsCard issuer has declined the transaction as the card does not have sufficient funds
54Expired cardCard issuer had declined the transaction as the card appears to have expired
55Incorrect PIN; Re-enterCard issuer had declined the transaction as the customer has entered an incorrect PIN
57Transaction not permitted on cardCard issuer had declined the transaction as the card cannot be used for this type of transaction. Do not retry.
58Txn Not Permitted On TermCard issuer had declined the transaction as the card cannot be used for this type of transaction
59Suspected FraudUsed when a transaction fails a fraud rule in the issuers fraud detection system or Visa Real Time Decisioning (RTD)/Visa Risk Manager (VRM)
59.01Authentication decline.Authentication may improve likely hood of approval
59.02Authentication decline. Retry later
59.03Authentication decline. Suspected fraud, do not retry
61Exceeds amount limitUsed by issuer when the defined amount activity limit for the account is exceeded.
This is also used by Visa when
• The issuer or acquirer settlement risk exposure cap has been exceeded or
• The issuer defined velocity/amount limit for CFT has been exceeded"
62Restricted cardUsed when a transaction is attempted from a country where transactions are restricted (temporary or permanent) including OFAC or embargoed countries
63MAC Key Error
65Additional SCA requiredExceeds frequency limit
66Exceeds Acquirer Limit
67Retain Card; no reason specifiedCard issuer had declined the transaction as the card is suspected to be a counterfeit
68Response received too late.An authorization response was not returned within the time limit
69Used to indicate the reason for sending a reversalAn authorization response was not returned within the time limit
70PIN data requiredUsed when PIN data is required and not present in the authorization request
75Exceeds PIN RetryCard issuer had declined the transaction as the customer has entered the incorrect PIN more than three times
76Invalid AccountCard issuer had declined the transaction as account does not exist (anymore)
77Issuer Does Not Participate In The ServiceThis could mean that the issuer does not allow transactions with the specific merchant or service provider, or that the issuer does not support the particular type of payment being used (e.g. virtual card or e-wallet). Customer is recommended to contact his bank to inquire about policies regarding CFT, or consider using an alternative payment method.
78Function Not Available
79Key Validation Error
80Approval for Purchase Amount Only
81Unable to Verify PIN
82Invalid Card Verification ValueCard issuer had declined the transaction as the CVV is incorrect
83Not declined (Valid for all zero amount transactions)
84Invalid Life Cycle of transaction
85No Keys To Use
86K M E Sync Error
87PIN Key Error
88MAC sync Error
89Security ViolationCard issuer does not permit transaction on this card
91Issuer not availableCard issuer is unable to be contracted to authorize the transaction
92Invalid IssuerCard issuer cannot be found for for routing. Often returned when customer using a test credit card number
93Transaction cannot be completedUsed for regulatory restrictions which may be temporary or permanent. There may temporary restrictions that are the result of regulation that can be fixed by the cardholder, such as the cardholder opting out of gambling, the cardholder opting out of e-commerce, etc
94Invalid originator
95Contact Acquirer
96System malfunctionCard issuer was not able to process the transaction
97No Funds Transfer
98Duplicate ReversalCard issuer had declined the transaction as this transaction appears to be duplicate transmission
99Duplicate TransactionCard issuer had declined the transaction as this transaction appears to be duplicate transmission
N3Cash Service Not AvailableUsed only for transactions involving cash or cashback and the issuer does not allow cash or cashback on the card requesting
N4Cash Back Request Exceeds Issuer LimitCard issuer had declined the transaction as transaction amount exceeds the bank's limits
N7“Decline CVV2 failureCard issuer had declined the transaction as the cvv is incorrect
R0Stop Payment OrderCustomer requested stop of specific recurring payment
R1Revocation of Authorization OrderCustomer requested stop of recurring payments from specific order
R3Revocation of all Authorizations OrderCustomer requested stop of all recurring payments from all order