Error codes Visa
decline reasons received from Visa
The following table contains the response codes that Visa can pass back directly from the receiving networks. The most common decline reasons are listed below:
| Error code | Error message |
|---|---|
| 1 | Card authentication failed, Refer to card issuer |
| 2 | Refer to card issuer, special condition |
| 3 | Invalid merchant |
| 4 | Pick up card (no fraud) |
| 5 | Do not honor |
| 6 | Invalid card |
| 7 | Pick up card, special condition (fraud account) |
| 8 | No Card record |
| 9 | Security failure |
| 10 | Partial approval |
| 11 | Suspected fraud |
| 12 | Invalid transaction |
| 13 | Invalid amount or currency conversion field overflow |
| 14 | Invalid account number (no such number) |
| 15 | No such issuer |
| 19 | Re-enter transaction |
| 21 | No action taken |
| 22 | ACS technical issue |
| 24 | No Credit Account |
| 25 | Unable to locate record in file |
| 28 | File temporarily not available for update or inquiry |
| 31 | Blocked, first Used (domestic Brazil only) |
| 39 | No credit account |
| 41 | Lost card, pick up (fraud account) |
| 42 | Special Pickup |
| 43 | Stolen card, pick up (fraud account) |
| 44 | Pickup Card |
| 46 | Closed account |
| 51 | Not sufficient funds |
| 52 | No checking account |
| 53 | No savings account |
| 54 | Expired card or expiration date is missing |
| 55 | Incorrect PIN or PIN missing |
| 57 | Transaction not permitted to cardholder |
| 58 | Transaction not allowed at terminal |
| 59 | Suspected fraud |
| 61 | Exceeds approval amount limit |
| 62 | Restricted card (card invalid in this region or country) |
| 63 | Security violation (source is not correct issuer) |
| 64 | Transaction does not fulfill AML requirement |
| 65 | Exceeds withdrawal frequency limit |
| 70 | PIN data required |
| 74 | Different value than that used for PIN encryption errors |
| 75 | Allowable number of PIN entry tries exceeded |
| 76 | Unsolicited reversal |
| 77 | Issuer Does Not Participate In The Service |
| 78 | “Blocked, first used”—Transaction from new cardholder, and card not properly unblocked |
| 79 | Already reversed (by Switch) |
| 80 | No financial impact |
| 81 | Cryptographic error found in PIN |
| 82 | Invalid Card Verification Value |
| 85 | No reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise return |
| 86 | Cannot verify PIN; for example, no PVV |
| 89 | Ineligible to receive financial position information (GIV) |
| 91 | Issuer not available |
| 92 | Invalid Issuer |
| 93 | Transaction cannot be completed - violation of law |
| 96 | Issuer System malfunction |
| 99 | Duplicate Transaction |
| 1A | Additional customer authentication required |
| B1 | Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only) |
| B2 | Surcharge amount not supported by debit network issuer. |
| N0 | Force STIP |
| N3 | Cash service not available |
| N4 | Cash request exceeds issuer or approved limit |
| N5 | Ineligible for resubmission |
| N7 | Decline for CVV2 failure |
| N8 | Transaction amount exceeds preauthorized approval amount |
| P5 | Denied PIN unblock—PIN change or unblock request declined by issuer |
| P6 | Denied PIN change—requested PIN unsafe |
| Q1 | Card Authentication failed |
| R0 | Stop Payment Order |
| R1 | Revocation of Authorisation Order |
| R2 | Transaction does not qualify for Visa PIN |
| R3 | Revocation of all authorizations order |
| Z3 | Unable to go online; offline-declined |
| 1203, 1301, 1305 | ACS returns an error response for AReq |
Updated about 1 year ago