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 codeError message
1Card authentication failed, Refer to card issuer
2Refer to card issuer, special condition
3Invalid merchant
4Pick up card (no fraud)
5Do not honor
6Invalid card
7Pick up card, special condition (fraud account)
8No Card record
9Security failure
10Partial approval
11Suspected fraud
12Invalid transaction
13Invalid amount or currency conversion field overflow
14Invalid account number (no such number)
15No such issuer
19Re-enter transaction
21No action taken
22ACS technical issue
24No Credit Account
25Unable to locate record in file
28File temporarily not available for update or inquiry
31Blocked, first Used (domestic Brazil only)
39No credit account
41Lost card, pick up (fraud account)
42Special Pickup
43Stolen card, pick up (fraud account)
44Pickup Card
46Closed account
51Not sufficient funds
52No checking account
53No savings account
54Expired card or expiration date is missing
55Incorrect PIN or PIN missing
57Transaction not permitted to cardholder
58Transaction not allowed at terminal
59Suspected fraud
61Exceeds approval amount limit
62Restricted card (card invalid in this region or country)
63Security violation (source is not correct issuer)
64Transaction does not fulfill AML requirement
65Exceeds withdrawal frequency limit
70PIN data required
74Different value than that used for PIN encryption errors
75Allowable number of PIN entry tries exceeded
76Unsolicited reversal
77Issuer Does Not Participate In The Service
78“Blocked, first used”—Transaction from new cardholder, and card not properly unblocked
79Already reversed (by Switch)
80No financial impact
81Cryptographic error found in PIN
82Invalid Card Verification Value
85No reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise return
86Cannot verify PIN; for example, no PVV
89Ineligible to receive financial position information (GIV)
91Issuer not available
92Invalid Issuer
93Transaction cannot be completed - violation of law
96Issuer System malfunction
99Duplicate Transaction
1AAdditional customer authentication required
B1Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)
B2Surcharge amount not supported by debit network issuer.
N0Force STIP
N3Cash service not available
N4Cash request exceeds issuer or approved limit
N5Ineligible for resubmission
N7Decline for CVV2 failure
N8Transaction amount exceeds preauthorized approval amount
P5Denied PIN unblock—PIN change or unblock request declined by issuer
P6Denied PIN change—requested PIN unsafe
Q1Card Authentication failed
R0Stop Payment Order
R1Revocation of Authorisation Order
R2Transaction does not qualify for Visa PIN
R3Revocation of all authorizations order
Z3Unable to go online; offline-declined
1203, 1301, 1305ACS returns an error response for AReq