Card decline codes
Every failed authorization comes back with a response code. Soft declines are worth a smart retry; hard declines never are. Find your code below.
Soft declinesretry may succeed
- 01Refer to Card Issuer
- 02Refer to Card Issuer, Special Condition
- 05Do Not Honor
- 06Error
- 19Re-enter Transaction
- 28File Temporarily Unavailable
- 51Insufficient Funds
- 55Incorrect PIN
- 59Suspected Fraud
- 61Exceeds Withdrawal Amount Limit
- 62Restricted Card
- 65Activity Limit Exceeded / Authentication Required
- 75PIN Tries Exceeded
- 78Blocked, First Use
- 85No Reason to Decline
- 91Issuer or Switch Inoperative
- 92Unable to Route Transaction
- 96System Malfunction
Hard declinesdo not retry
- 03Invalid Merchant
- 04Pick Up Card
- 07Pick Up Card, Special Condition (Fraud)
- 12Invalid Transaction
- 13Invalid Amount
- 14Invalid Card Number
- 15No Such Issuer
- 25Unable to Locate Record
- 30Format Error
- 41Lost Card
- 43Stolen Card
- 46Closed Account
- 54Expired Card
- 57Transaction Not Permitted to Cardholder
- 58Transaction Not Permitted to Terminal
- 63Security Violation
- 82Negative CAM, dCVV, iCVV, or CVV Results
- 93Transaction Cannot Be Completed, Violation of Law
- 94Duplicate Transaction