The Complete List of Credit Card Declined Codes for 2022.
Your credit card got denied as you tried to make use of it?
If you look through this list of decline codes, you'll be able to pinpoint the root of the problem.
In this article , we'll assist you in determining exactly what's happening with your (or your customer's) credit card and explain the reason why it did not work. In this article, we will discuss the most commonly-used and rare- credit card declined codes in detail, including their significance and what to do regarding every one of them.
Let's go!
Take a look at our Video guide that includes a comprehensive list of the Credit Card Declined Codes Explained
What is What is a Credit Card Decline Code?
A decline code for credit cards refers to the number which appears in the processing of a credit card each time an transaction, also known as a payment, is declined.
If you're in a retail store however you are not able to have your credit card be accepted, the store and there will be an error which could assist you to determine the issue.
It can occur in the event that a transaction needs to be stopped by seller bank, the issuer of the card.
If you're facing this issue and you're experiencing this issue it will be accompanied by a short error message that ranges between one and three figures (or letters in certain instances).
The error message you get is also known as an error message for credit decline. It can be explained by the code the reason behind the problem... so long you understand its meaning.
First, we'll cover the most frequent reason why a card gets declined and the codes that are related to them. Then, we'll dive into the many possibilities of the codes that are associated with declines on credit cards.
The most common reasons for Which a card is refused
In this article, we'll go over the most common reasons why a transaction might be declined.
Some of the most common motives for a card be declined are:
- Error in verification of your credit/debit card (Code CV): There could be an issue or both with the credit card or with its magnetic strip. It could render it ineligible for purchases.
- Unsufficient funds (Code 51):You don't have enough funds in the account associated with your card (both credit and debit cards).
- Credit limit exceeding (Code 65):Even if you have money in your accounts and you want to lower it when you've reached the credit limit of your account prior to being eligible to access it for another.
- Card that has expired (Code 54):All credit cards have expiration dates and trying to use your card prior to the date of expiration and you'll receive an error message.
- Transaction not allowed (Code 55): This occurs whenever you attempt to make use of your credit card to make a purchase that's not allowed (for example, in the event that you've blocked online transactions or international transactions).
- Unusual card number (Codes 14 and 15): There are two methods to enter the correct card number. If the number you enter is wrong, you'll get an error number 15 which means "no such issuers" since the first number indicates the name of the bank that has issued the credit card. If you come across any other in error numbers, you'll get an error code 14for making an error in entering the card number.
- Secure code not secure (Code 64):This occurs when you enter the 3-digit CVV (or CVC code at the back of your credit card or type in your four-digit CID code on the card's front .
If you encounter any of these problems it is possible to observe the error code 12,or errors 85. They are simply a sign of an unapproved transaction. The banks that issue credit cards frequently employ these two mistakes as response codes to catch all kinds of problems that make it more difficult to figure out what's wrong.
There is a chance that you typed the wrong credit card number, entered the wrong verification code, or entered the wrong expiration date or perhaps tried to accomplish things that are impossible, for instance, such as trying to make the reimbursement.
If you aren't able to identify your error message within the section above, browse through the table below, which has more than 50 decline codes, organized numerically and also details on why each code occurs and the best way to resolve the problem.
Full List of Codings for Credit Card Decline
The table is a comprehensive list of all errors made by credit cards that are reported, their exact definition of what these errors (the exact matter), and how to correct the issue.
| Code | Label | The issue | The Fix |
|---|---|---|---|
| 01 | Refer to issuer | The bank that issued the card (Mastercard, Visa, Discovery and others.) stopped the transaction without specific reason. | Contact the bank and get them to explain the situation. |
| 02 | Check with the issuer (special terms) | The customer's bank has blocked the transaction (similar to code 01). | Use the number that is printed on your card to reach the bank, and request an explanation. |
| 04 | Card to call for Caller ID (no any fraud or scams implied) | The bank of the client has stopped the transaction, and it's asking the merchant to retain the card. This doesn't imply fraud but rather a consequence of expired or overdrawn cards. | Ask the bank what is the cause that notice to sign up shows up on the credit card. |
| 05 | Do not honor | The customer's bank stopped the transaction, and advised the seller to "not to accept" the credit card (not to accept payment). | Ask the bank for an explanation. |
| 06 | Other error | The bank that issued the loan doesn't have any idea of what caused the issue for the error. However, it appears that something was missing from the transaction. | If you have a second attempt, you should contact the bank in case you're not having success. |
| 07 | The card is used to collect additional terms (fraudulent) | The client's bank has stopped the transaction because the credit card or bank account were identified as being fraudulent. | If you're a customer get in touch with your bank as soon as possible to resolve any possible issues. If you're a merchant hold the card in your possession until you've received confirmation from both the bank and the customer on the identity of their customer and the legitimacy that the credit card. |
| 10 | Partially approved | The issuer bank will accept a portion of the transaction but refuses the remainder usually due to the excess of credit limit or funds in the account. | Contact the bank for assistance in resolving the matter (and pay down your credit to the extent that your credit limit was the reason). |
| 12 | Invalid transaction | The amount you are trying to pay is not legal. This may be due to the presence of error, like making the payment. | In the event that you need to contact your bank, you must restart the entire transaction, make sure the data entered is accurate. |
| 13 | Invalid value | The value you entered for your transaction was invalid usually due to an unnumerical symbol that was entered along with the transaction amount (e.g. that dollar symbol). | Just start the entire transaction in the same manner and be careful not to enter symbols while entering the money. |
| 14 | The card cannot be used. | The credit card's number is not valid, and the processor of credit cards cannot locate the account linked to the credit card. | Start the process again. Make sure you make sure you enter the numbers correctly. If you are still having trouble, call the issuing bank. |
| 15 | This issuer is no longer in its existence. | The first number, which identifies the institution that was the one who issued the card, wasn't accurate. (Credit banks who issue credit cards come with their own distinct code, which begins with the first digitthree in the case of American Express, 4 for Visa 5, 5, 5 to identify Mastercard and 6 to identify Discover.) | Make sure you enter the credit card again and make sure to include the first digits in the right purchase. |
| 19 | Re-enter | An unidentified error has been discovered. | You should restart the transaction. Be sure that you input the data properly. If you're still experiencing issues you should contact the issuer of the card. |
| 28 | I have not received a response. | An error occurred during the transaction but with no any reason being given. | Start the transaction again Be sure that you input all the information correctly. If the issue persists you need to call the credit card issuer. |
| 41 | Lost card, pick up | The card's owner who is legitimately responsible for it has reported it to be stolen or lost and the card issuer the card has denied the transaction. | If you own a credit card, you must get in touch with the bank immediately. If you're the merchant you can ask your customer to utilize an alternative card or contact the bank that they've made contact with to reach them. |
| 43 | Stolen card, pick up (fraud account) | The real owner of the card has claimed that the card was stolen and the issuer refused to process the transaction. | If you own the card, it is imperative to contact the bank ASAP using the contact number, which is located on the back of your card. If you're selling the card, ask them to use another card, or get in touch with the bank they're using. |
| 51 | Insufficient funds | The card issuer is blocking this particular transaction since the card already exceeds the limit on credit, or the transaction in progress could result in the card going over. | Contact the bank by using the information that appears on the reverse of your card. You can also use the Internet banking to transfer funds into the card or use alternative cards. |
| 54 | Card that has been expired | The expiration date has passed. | Use a debit or credit card that's still in use. (If there is only one card, the one you want to use will likely have been delivered by mail prior to your expiring one, so make sure to inform the bank.) |
| 57 | No transaction allowed. Card | This code shows up in the event you attempt to carry out an operation that isn't allowed, like transfer funds to a foreign merchant account. | It is possible to use a different card without the same limitations. Or, you can call the issuing bank to clear out the fact that you're able to accept such transactions. |
| 58 | The transaction is not allowed - - Terminal | When the account of the merchant connected to the terminal or processor isn't properly set up the error will be displayed. | The business must call their bank and ask them to make the payment for them. If you're the buyer, then you must consider another option for payment such as cash or checks. |
| 62 | Invalid service code, restricted |
The invalid service code may be used to refer to two particular situations.1 It is when you attempt to pay using the card that you purchased with the American Express or Discover card but the system doesn't permit these card issuers to be used.
2. You attempted to pay for online purchase with a card that isn't able to accept the payment via internet. |
Try a credit card from an alternative issuer such as Visa. If the company advertises that they accept transactions from the card issuer be sure to check with your bank whether your credit card's setting are compatible with payment via the web. |
| 63 | Security breach | The three-digit CVV2 is also known by the name of CVC or the four-digit CID security code was not correct or was not functioning properly. | Start the transaction again and ensure that you enter in the correct security code. |
| 65 | Limits on activity overrun | The credit cardholder has exceeded the limit of the credit limit (or the transaction may cause them to be the limit). | Try another credit card. If you do not have other options, make use of online banking or phone banking to settle the balance on your card prior to attempting to use it again. |
| 85, 85 or | Issuer system unavailable | This error message is displayed in the event of a temporary communications issue between the seller and the institution that issued the. | Take a moment and then begin the process starting at the beginning. |
| 85 | There's no reason not to accept | The lender hasn't successful in finding a specific issue, but the transaction didn't move through. | Start the transaction again beginning by scratch. If you are still having the issue, call the issuer bank.You could also try another credit card in order to determine whether the problem is actually a merchant-related issue. |
| 91 | Switch or issuer is not accessible. | The processor, or the terminal, was not able to finish the payment's authorization. | Begin the transaction all over again. If the problem persists Contact the bank that issued the transaction. |
| 92 | Unable to route transaction | The terminal cannot reach the card issuer for the necessary transaction. | Take a couple of minutes, then try another time. If you are still having issues you should call your bank. |
| 93 | Violation, cannot complete | The issuing bank has recognized (or is aware of) the possibility of the lawful violation on the part of the cardholder and the bank's assets were seized. | If you encounter the error code, you should call immediately the bank that provided you with the error code in order to fix any problems. |
| 96 | System error | Try resuming the transaction. If the issue persists then you could try another credit card.If you're unable to fix the issue, the issue is most likely with the processor of the merchant. | |
| RO or R1 | The customer asked for be a certain amount per payment | The customer specifically requested to end the recurring payments you're trying your best to handle. | |
| CV | Card type verification error | The reader for the card experienced an issue checking the authenticity for the credit card. It could be a problem with the microchip or the magnetic strip. | Use the old trick of gently rubbing your credit card on your clothes and then gently cleaning it again.If it doesn't work, you can enter the credit card's number or get in touch with the bank. |
| W1, W2, W9 | Bank error: Error connecting | It could be because of power outages or other disruptions to services. | You should wait for power to return. If it does not you can look for signs of outages in your area that could affect you.If there's not a clear cause, you should contact your merchant bank. |
Error codes to identify fraud
If you're a retailer or cardholder The worst case scenario would be that you'll receive an error message for fraud.
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However, credit card fraud is far more widespread than you might think. In the United States alone, there were 271,823 cases of fraudulent credit card transactions in the US in the US alone.
With hundreds of thousands of incidents of credit card fraud every year, it is important to stay looking for people that aren't really the owner of the credit card they're making use of. Also, you must be alert and be aware of the way your personal cards are employed.
Below are the complete debit codes for credit cards which have been linked to fraud
- Code 7 Pick up the card. Special condition (fraud accounts): The card issuer has detected the account as being fraudulent and thus denied the transaction.
- Code 41 Loss of card, opportunity to pick (fraud accounts): The real person who owned the card has reported it as stolen or lost and the company that issued the card has blocked the transaction.
- Code 43 Card stolen and seized (fraud account): The owner has reported that the card was stolen the bank that issued it has stopped the transaction.
- Code 215 Stolen or lost card:The real cardholder has reported the card as stolen or lost , and the issuer blocks the transactions.
- Code 534 -Do not respect, high-risk level of fraud The transaction did not pass PayPal as well as Google Checkout risk modeling.
- Code 596 -- Suspecting fraud:Again, the card issuer is suspicious of fraud and has stopped the transaction.
What do I do if My Credit Card Is Declined?
After that, determine if you have an problem lies with your credit/debit card or the terminal of the merchant.
Then, take the appropriate actions needed to correct the problem. It could involve restarting the transaction, typing into everything with care, and calling the bank, or perhaps trying a different account.
Troubleshooting is boiled down to three steps that are easy to follow:
- If the code is declined Request it.
- Discover the purpose of the code.
- It is recommended to take the appropriate action (usually calling the issuing bank or trying another credit card).
There's a chance that you believe you've received your money up to date or that the limit on your credit card isn't being met, however it's never a bad idea to verify the bank with whom you have a relationship.
Many of us carry many cards. It's difficult to keep track of the number of cards you have. The amount of credit cards are more than one billion credit card being used across the US just in the United States alone.
It isn't a good idea to get penalized for an unneeded charge for an overdraft or late payment along with a large surprise bill when you're swindled by scams.
It is for the Credit Card Declined Code FAQ
Are you confused by the errors? Check out these frequently asked questions.
What is the reason why my credit card keeps getting denied when I'm carrying cash?
There are several possible reasons your credit card could be denied, even if there is funds on your account.
- You could be trying to use a credit card to pay to purchase something that's not authorised for online transactions or transactions in a foreign nation.
- Your credit card's information could have been flagged as fraudulent.
- There is a chance you've entered your credit card number such as CVV2 code, PIN or in the wrong way.
- There could be an issue at the merchant's terminal, and not the credit card .
What exactly does Credit Card Code 51 Mean?
The credit card declined code "51" signifies that you've exceeded the limit of your credit card (if it's a credit or debit card) or have run out of cash (if using a debit or credit card).
What is the reason that my credit card was not charged when I place an order on line?
Transactions with credit cards can be refused due to three reasons, including setting up the account, insufficient funds or inaccurate data.
- The credit card you are using may not be set-up for online transactions. Check with your bank to confirm if this is indeed true.
- It is possible that you entered the incorrect credit card CVV2 number CVC, CID and name or CVV2 in error.
- You may have a shortfall of money remaining on your account, or you may be in the process of exceeding your credit limit.
Summary
Whether it's your own credit card or the customer's credit card which is declined Knowing the precise reason is essential to figure out is the most effective option.
I hope this guideline has given you the information to determine the problem with your credit account, and provided you with the necessary information to make the appropriate decisions to resolve the problem.
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