> ## Documentation Index > Fetch the complete documentation index at: https://docs.pagos.ai/llms.txt > Use this file to discover all available pages before exploring further. # Transaction Response Codes (Decline Codes) | 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 | | 23 | customer\_id\_verification\_failed | Unable to verify the customer | 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 | | 194 | cash\_service\_not\_available | Cash service not available | NA | | 195 | additional\_auth\_credentials\_required | Requires additional authorization credentials | merchant\_or\_processing\_error | | 196 | error\_currency\_not\_supported | The currency isn't supported | merchant\_or\_processing\_error | | 197 | affirm\_declined | Affirm declined the payment | problem\_with\_customer\_account | | 198 | link\_error | Stripe link connection close or other errors occurred | merchant\_or\_processing\_error | | 199 | new\_account\_information\_information | The card is invalid | problem\_with\_customer\_account | | 200 | vipps\_error | Vipps error | merchant\_or\_processing\_error | | 201 | authentication\_card\_not\_enabled | Card isn't enabled for 3DS | merchant\_or\_processing\_error | | 202 | authentication\_expired | Exceeded authentication time limit | merchant\_or\_processing\_error | | 203 | declined\_high\_risk | Transaction was declined due to high risk | problem\_with\_customer\_account | | 204 | blocked\_cvc | Blocked by the processor due to a CVC rule | blocked\_by\_gateway\_or\_merchant\_rule | | 205 | blocked\_cvc\_avs | Blocked by the processor due to a CVC and AVS rule | blocked\_by\_gateway\_or\_merchant\_rule | | 206 | blocked\_fraud\_rule | Blocked by the processor due to a fraud rule | blocked\_by\_gateway\_or\_merchant\_rule | | 207 | blocked\_merchant\_rule | Blocked by the processor due to a merchant rule | blocked\_by\_gateway\_or\_merchant\_rule | | 208 | blocked\_blocklist | Blocked by the processor due to being on a blocklist | blocked\_by\_gateway\_or\_merchant\_rule | | 209 | blocked\_duplicate | Blocked by the processor as a duplicate transaction | blocked\_by\_gateway\_or\_merchant\_rule | | 210 | blocked\_3ds | Blocked by the processor due to missing 3ds authentication | blocked\_by\_gateway\_or\_merchant\_rule | | 211 | blocked\_excessive\_retry | Blocked by the processor as an excessive retry | blocked\_by\_gateway\_or\_merchant\_rule | | 212 | blocked\_avs | Blocked by the processor due to an AVS rule | blocked\_by\_gateway\_or\_merchant\_rule | | 213 | blocked\_venmo\_token\_issuance | Blocked by the processor due to being on a blocklist | blocked\_by\_gateway\_or\_merchant\_rule | | 214 | blocked\_test\_mode | Blocked because a test card was used | blocked\_by\_gateway\_or\_merchant\_rule | | 215 | blocked\_gateway | Blocked by the processor without a specified reason | blocked\_by\_gateway\_or\_merchant\_rule | | 216 | blocked\_account\_not\_active | Blocked by the processor due to an inactive account | blocked\_by\_gateway\_or\_merchant\_rule | | 217 | acccount\_not\_active | Account is inactive or not enrolled | problem\_with\_customer\_account | | 218 | non-reloadable\_prepaid\_card | Non-reloadable prepaid card | problem\_with\_customer\_account | | 219 | single\_use\_virtual\_card | Single use virtual card | problem\_with\_customer\_account |