| Decline Code (Integer) | Short Code | Description | Decline Code Category |
|---|---|---|---|
| 00 | approved | Approved and completed successfully | approved |
| 01 | refer_to_issuer | Refer to card issuer | problem_with_customer_account |
| 02 | refer_to_issuer_1 | Refer to card issuer, special condition | problem_with_customer_account |
| 03 | invalid_merchant | Invalid merchant | merchant_or_processing_error |
| 04 | pick_up_card | Pick up card (no fraud) | problem_with_customer_account |
| 05 | do_not_honor | Do not honor | problem_with_customer_account |
| 06 | error | Error | merchant_or_processing_error |
| 07 | pick_up_card_fraud | Pick up card, special condition (fraud account) | problem_with_customer_account |
| 08 | invalid_signature | Invalid signature | problem_with_customer_account |
| 09 | invalid_token | Invalid token | merchant_or_processing_error |
| 10 | partial_approval | Partial approval | problem_with_customer_account |
| 11 | approved_vip | Approved (V.I.P) | approved |
| 12 | invalid_transaction | Invalid transaction | merchant_or_processing_error |
| 13 | invalid_amount_or_currency | Invalid amount, invalid currency, or invalid currency conversion field overflow | merchant_or_processing_error |
| 14 | invalid_account_no_number | Invalid account number (no such number) | merchant_or_processing_error |
| 15 | no_such_issuer | No such issuer | merchant_or_processing_error |
| 16 | Invalid_qr_code | Invalid QR code | merchant_or_processing_error |
| 17 | installments_not_allowed | Installment payments not allowed on this payment instrument | merchant_or_processing_error |
| 18 | invalid_shopper_data | Shopper entered invalid data and should retry or use another payment method | problem_with_customer_account |
| 19 | reenter_transaction | Re-enter transaction | problem_with_customer_account |
| 20 | blik_error | Error with processing Blick transaction | merchant_or_processing_error |
| 21 | no_action_taken | No action taken | merchant_or_processing_error |
| 22 | authentication_attempts_exceeded | Authentication attempt exceeded limit | merchant_or_processing_error |
| 25 | account_record_not_found | Unable to locate record in file | problem_with_customer_account |
| 28 | account_not_available | File temporarily not available for update or inquiry | merchant_or_processing_error |
| 30 | paypal_api_error | PayPal API error | merchant_or_processing_error |
| 31 | bank_not_supported_by_switch | Bank not supported by switch | merchant_or_processing_error |
| 32 | transaction_cancelled | The transaction is cancelled | cancelled |
| 33 | transaction_frequency_limit_exceeded | Exceeds transaction frequency limit | merchant_or_processing_error |
| 34 | user_account_disabled_or_expired | User account disabled or expired | merchant_or_processing_error |
| 35 | submission_error | There was an issue with submitting transaction | merchant_or_processing_error |
| 36 | paypal_email_formatting_issue | Customer entered a typo in the PayPal email field or is attempting to use an invalid PayPal account | problem_with_customer_account |
| 37 | paypal_account_issue | Customer's Paypal account isn't completely set up or there's an issue with their account | problem_with_customer_account |
| 38 | processor_restricted_or_locked_account | An issue with the merchant account needs to be resolved | merchant_or_processing_error |
| 39 | pending_for_3ds_authorization | Transaction is pending for 3ds authorization | pending |
| 40 | refund_time_limit_exceeded | Refund attempted after the refund time limit passed (180 days) | merchant_or_processing_error |
| 41 | lost_card_fraud | Lost card, pick up (fraud account) | problem_with_customer_account |
| 42 | invalid_tax_amount | Invalid tax amount submitted | merchant_or_processing_error |
| 43 | stolen_card_fraud | Stolen card, pick up (fraud account) | problem_with_customer_account |
| 44 | invalid_level_III | Level III data is inaccurate or missing | merchant_or_processing_error |
| 45 | card_number_payment_method_mismatch | Card number doesn't match the method of payment | merchant_or_processing_error |
| 46 | invalid_sku | A non-numeric value was sent; Fix errors and resubmit | merchant_or_processing_error |
| 47 | wallet_disabled | The account associated with the wallet is disabled | merchant_or_processing_error |
| 48 | verifications_not_supported | Issuer doesn't support $0.00 card verifications. | merchant_or_processing_error |
| 49 | voice_auth_required | Merchant must call the issuer to obtain an authorization code before they can complete the transaction | problem_with_customer_account |
| 50 | card_account_length_error | Card number submitted is not the correct number of digits | merchant_or_processing_error |
| 51 | not_sufficient_funds | Not sufficient funds | problem_with_customer_account |
| 52 | no_checking_account | No checking account | problem_with_customer_account |
| 53 | no_savings_account | No savings account | problem_with_customer_account |
| 54 | expired_card | Expired card or expiration date is missing | problem_with_customer_account |
| 55 | incorrect_or_missing_pin | Incorrect PIN or PIN missing | problem_with_customer_account |
| 56 | incorrect_or_missing_pin_cardpresent | Incorrect PIN or PIN missing (card present) | problem_with_customer_account |
| 57 | transaction_not_allowed | Transaction not allowed to cardholder | problem_with_customer_account |
| 58 | transaction_not_allowed_at_terminal | Transaction not allowed at terminal | merchant_or_processing_error |
| 59 | suspected_fraud | Suspected fraud | problem_with_customer_account |
| 60 | invalid_expiration_date | Invalid expiration date entered by the cardholder | merchant_or_processing_error |
| 61 | exceeds_approval_amount_limit | Exceeds approval amount limit | problem_with_customer_account |
| 62 | restricted_account_geo | Restricted account (account invalid in this region or country) | problem_with_customer_account |
| 63 | security_violation | Security violation (source is not the correct issuer) | problem_with_customer_account |
| 64 | aml_violation | Transaction doesn't fulfill anti-money laundering (AML) requirements | merchant_or_processing_error |
| 65 | withdrawals_limits_exceeded | Exceeds withdrawal frequency or amount limit | problem_with_customer_account |
| 66 | restricted_card | Card is restricted | problem_with_customer_account |
| 67 | card_blacklisted | Card is blacklisted | problem_with_customer_account |
| 68 | lifecycle | Mastercard-specific decline; contact the issuing bank for more information | problem_with_customer_account |
| 69 | pin_or_signature_missing | A PIN or signature is required | problem_with_customer_account |
| 70 | pin_data_required | PIN data is required | problem_with_customer_account |
| 71 | sofort_response_missing_or_invalid | Invalid or missing response from Sofort | merchant_or_processing_error |
| 72 | error_failed_to_store_result | Failed to store result | merchant_or_processing_error |
| 73 | card_not_active | Card not active. Account may not yet be fully active. | problem_with_customer_account |
| 74 | pin_encryption_error | Different value than that used for PIN encryption errors | problem_with_customer_account |
| 75 | pin_entry_attempts_exceeded | Allowable number of PIN entry tries exceeded | problem_with_customer_account |
| 76 | unsolicited_reversal | Unsolicited reversal | problem_with_customer_account |
| 77 | declined_by_processing_network | Processing network declined the transaction for unspecified reason; used for SEPA Direct Debit and other non-card networks | merchant_or_processing_error |
| 78 | card_not_active_firstuse | Blocked, first use (transaction came from new cardholder and the card isn't properly unblocked) | problem_with_customer_account |
| 79 | already_reversed | Already reversed (by Switch) | problem_with_customer_account |
| 80 | no_financial_impact | No financial impact | problem_with_customer_account |
| 81 | cryptographic_error_in_pin | Cryptographic error found in PIN | merchant_or_processing_error |
| 82 | cvv_failure | Decline for CVV/CVV2 failure | merchant_or_processing_error |
| 83 | reversal_unsuccessful | Reversal was unsuccessful | merchant_or_processing_error |
| 84 | authentication_error_invalid_value | 3DS error; invalid value entered | merchant_or_processing_error |
| 85 | verification_or_return_approved | No reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise return | approved |
| 86 | cannot_verify_pin | Cannot verify PIN (for example, no PVV) | merchant_or_processing_error |
| 87 | terminal_cancelled | Terminal cancelled | cancelled |
| 88 | authentication_error | Authentication error; no reason provided | merchant_or_processing_error |
| 89 | ineligible_for_financial_position_information | Ineligible to receive financial position information (GIV) | merchant_or_processing_error |
| 90 | card_not_supported | The card does not allow this type of purchase | problem_with_customer_account |
| 91 | issuer_inoperative_no_stip | Issuer or switch inoperative and STIP not applicable or not available for this transaction; time-out when no stand-in; POS Check Service: Destination unavailable; Credit Voucher and Merchandise Return Authorizations: V.I.P. sent the transaction to the issuer, but the issuer was unavailable. | merchant_or_processing_error |
| 92 | routing_network_error | Financial institution or intermediate network facility cannot be found for routing (receiving institution ID is invalid) | merchant_or_processing_error |
| 93 | legal_violation | Transaction can't be completed; violation of law | merchant_or_processing_error |
| 94 | duplicate_authentication | Duplicate authentication result | merchant_or_processing_error |
| 95 | PayPal_transaction_pending | Transaction has been created, but waiting on another payment process to complete before changing status to Success (e.g. an ACH transaction) | pending |
| 96 | PayPal_transaction_partially_refunded | Transaction has been partially refunded by the original recipient | NA |
| 97 | PayPal_transaction_reversed | Previous successful transaction was reversed and funds were reverted to the original sender | NA |
| 98 | PayPal_transaction_denied | Transaction is denied based on any PayPal or merchant rules for transaction acceptance or denial | problem_with_customer_account |
| 99 | processor_risk_rule | Processor decline due to risk rule | blocked_by_gateway_or_merchant_rule |
| 100 | customer_authentication_required | Additional customer authentication required | problem_with_customer_account |
| 101 | surcharge_not_permitted | Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only) | merchant_or_processing_error |
| 102 | surcharge_not_supported_by_issuer | Surcharge amount not supported by debit network issuer | merchant_or_processing_error |
| 103 | stip_forced | Forced Stand-in-Processing (STIP); Visa only | merchant_or_processing_error |
| 104 | cash_service_not_available | Cash service not available | merchant_or_processing_error |
| 105 | cash_request_exceeded_limit | Cash request exceeds issuer or approved limit | merchant_or_processing_error |
| 106 | ineligible_for_resubmission | Ineligible for resubmission | merchant_or_processing_error |
| 108 | amount_exceeds_preauthorization | Transaction amount exceeds preauthorized approval amount | merchant_or_processing_error |
| 109 | pin_unblock_denied | Denied PIN unblock; PIN change or unblock request declined by issuer | merchant_or_processing_error |
| 110 | pin_change_denied | Denied PIN change; requested PIN unsafe | merchant_or_processing_error |
| 111 | authentication_failed | Card authentication failed | problem_with_customer_account |
| 112 | stop_current_recurring | Stop payment order | problem_with_customer_account |
| 113 | not_qualified_for_pin | Transaction does not qualify for Visa PIN | merchant_or_processing_error |
| 114 | stop_all_recurring | Revocation of all authorizations order | problem_with_customer_account |
| 115 | decline_offline | Unable to go online; offline-declined | merchant_or_processing_error |
| 116 | duplicate | Processor decline: duplicate transaction | merchant_or_processing_error |
| 117 | invalid_expiry_month | Invalid expiry, incorrect month | merchant_or_processing_error |
| 118 | invalid_expiry_year | Invalid expiry, incorrect year | merchant_or_processing_error |
| 119 | fraud_merchant_blacklist | Processor fraud decline: merchant blacklist | blocked_by_gateway_or_merchant_rule |
| 120 | gateway_testaccount_used | Gateway decline: test account used | blocked_by_gateway_or_merchant_rule |
| 121 | processor_notsupported | Processor decline: not supported | merchant_or_processing_error |
| 122 | processor_notconfigured | Processor decline: not configured | merchant_or_processing_error |
| 123 | processor_configuration_error | Processor decline: configuration error | merchant_or_processing_error |
| 124 | update_payment_information | Updated cardholder information available | merchant_or_processing_error |
| 125 | processor_or_acquirer_error | Processor or acquirer error | merchant_or_processing_error |
| 126 | authorization_expired | Authorization expired | merchant_or_processing_error |
| 127 | decline_gateway | Gateway decline | blocked_by_gateway_or_merchant_rule |
| 128 | already_voided | Voided transaction | merchant_or_processing_error |
| 9999 | unknown | unknown | unknown |
| 129 | decline_processor_rule | Decline at processor due to gateway/acquirer/processor-configured rule; not sent to network or issuer | blocked_by_gateway_or_merchant_rule |
| 130 | decline_merchant_rule | Decline at processor due to merchant-configured rule; not sent to network or issuer | blocked_by_gateway_or_merchant_rule |
| 131 | approved_with_hold | Transaction was approved, but put in manual review | approved |
| 132 | cancelled_card_removed | Shopper's card was removed from the terminal before the transaction finished | cancelled |
| 133 | crash_recovery | Terminal stopped responding for an unknown reason, causing the transaction to fail | merchant_or_processing_error |
| 134 | aborted_contactless_fallback | The shopper abandoned the transaction after they attempted a contactless payment | cancelled |
| 135 | cancelled_shopper_cancelled | Shopper cancelled the transaction before it finished | cancelled |
| 136 | cancelled_no_card | Shopper didn't present a card, so the transaction was cancelled | cancelled |
| 137 | timeout_PIN_entry | Transaction timed out; shopper should retry or use an alternate payment method | cancelled |
| 138 | timeout_while_printing_receipt | Timeout during printing the receipt | cancelled |
| 139 | cancelled_while_printing | Transaction was cancelled while printing | cancelled |
| 140 | pos_unmapped | Unmapped error occurred; shopper should retry or use an alternate payment method | merchant_or_processing_error |
| 141 | error_emv | An error occurred while reading the EMV chip; shopper should retry or use an alternate payment method | merchant_or_processing_error |
| 142 | no_completion_message | No completion message received | merchant_or_processing_error |
| 143 | no_response | Unable to get response by calling the 'lookup' met | cancelled |
| 144 | decline_online | Card declined online result | problem_with_customer_account |
| 145 | no_acquirer_account | Acquirer account not found or not specified | merchant_or_processing_error |
| 146 | error_not_supported_country_and_mcc | Payment details are not supported for this country/MCC combination | merchant_or_processing_error |
| 147 | capture_failed | Capture failed | merchant_or_processing_error |
| 148 | pending | Transaction pending | pending |
| 149 | address_verification_failed | Address verification failed | problem_with_customer_account |
| 150 | bank_account_restricted | Bank account has restrictions on either the type or number of payouts allowed; this normally indicates that the bank account is a savings or other non-checking account | problem_with_customer_account |
| 151 | account_closed | Bank account has been closed | problem_with_customer_account |
| 152 | account_frozen | Bank account has been frozen | problem_with_customer_account |
| 153 | bank_ownership_changed | Destination bank account is no longer valid because its branch has changed ownership | merchant_or_processing_error |
| 154 | could_not_process | Bank couldn't process this payout | merchant_or_processing_error |
| 155 | debit_not_authorized | Debit transactions are not approved on the bank account (Stripe requires bank accounts to be set up for both credit and debit payouts) | merchant_or_processing_error |
| 156 | undeliverable_payouts | Undeliverable payouts | merchant_or_processing_error |
| 157 | merchant_cancelled | Merchant cancelled | cancelled |
| 158 | timeout | Transaction timeout | cancelled |
| 159 | error_required_field_not_provided | API error; required field is not provided | merchant_or_processing_error |
| 160 | error_missing_payment_details | API/Integration error; missing payment details | merchant_or_processing_error |
| 161 | no_network_token | No network token available | merchant_or_processing_error |
| 162 | error_cvc | CVC input error | merchant_or_processing_error |
| 163 | error_incorrect_format | Message format is incorrect | merchant_or_processing_error |
| 164 | requires_action_from_customer | Requires action or confirmation to complete | merchant_or_processing_error |
| 165 | address_and_cvv_verification_failed | Address and CVV verification failed | problem_with_customer_account |
| 166 | authorization_not_found | Authorization not found | merchant_or_processing_error |
| 167 | amount_mismatch | Transaction amount doesn't match the original authorization amount | merchant_or_processing_error |
| 168 | invalid_payment_type | Issuer rejected the payment type | merchant_or_processing_error |
| 169 | authentication_not_supported_by_merchant | Merchant isn't set up for 3D Secure transactions | merchant_or_processing_error |
| 170 | error_required_details_not_found_or_invalid | Payment details not found or invalid | merchant_or_processing_error |
| 171 | do_not_retry | Do not retry the transaction | problem_with_customer_account |
| 172 | retry_later | Retry the transaction at a later time | problem_with_customer_account |
| 173 | revocation_of_authorization | Card was declined for an unknown reason | problem_with_customer_account |
| 174 | refused_due_to_policy_reason | The transaction is refused due to a policy reason | problem_with_customer_account |
| 175 | authentication_error_required_field_missing | 3D Secure error: required field missing | merchant_or_processing_error |
| 176 | subscription_not_found | Unable to locate subscription | merchant_or_processing_error |
| 177 | vipps_error_agreement_not_active | Vipps error: aggreement not active | merchant_or_processing_error |
| 178 | vipps_error_cannot_rollback_transaction | Vipps error: can't rollback JDBC transaction | merchant_or_processing_error |
| 179 | vipps_error_no_network_token | Vipps error: no network token | merchant_or_processing_error |
| 180 | application_blocked_or_banned | Application blocked | merchant_or_processing_error |
| 181 | error_parsing | Parsing error | merchant_or_processing_error |
| 182 | settlement_pending | Transaction is in a settling or settlement-pending state | NA |
| 183 | cashapp_customer_request_declined | Transaction was declined at the customer's request | problem_with_customer_account |
| 184 | cashapp_customer_request_expired | Transaction was declined due to expired customer approval | problem_with_customer_account |
| 185 | cashapp_payment_declined | Transaction was declined | merchant_or_processing_error |
| 186 | crypto_failure | Crypto failure | merchant_or_processing_error |
| 187 | vipps_error_invalid_orderid | Vipps error: order ID is invalid | merchant_or_processing_error |
| 188 | no_value_provided | No information was provided or what was provided is unclear | NA |
| 189 | private_label_card_notsupported | Private label card not supported | merchant_or_processing_error |
| 190 | unable_to_map | Suspected data quality inconsistency from source reports | NA |
| 191 | error_not_allowed | API error | merchant_or_processing_error |
| 192 | vipps_error_http_request_null | Vipps - header request is null | merchant_or_processing_error |
| 193 | payu_error | PayU error | merchant_or_processing_error |