Credit Card Declined Reason Codes

However some gateways and third-party transaction services for example shopping carts have their own set of decline codes. A credit card decline code is a message issued in response to a request for authorization during a transaction.

Response Codes Reversal Reason Mappings Moso Docs

Denotes that this error code will result in the payment method being flagged as Invalid.

Credit card declined reason codes. It may be declined by the processor or payment gateway or by the customers issuing bank. Visa Reason Codes Quick Reference Guide Fraud Category 10 Authorization Category 11 Processing Errors Category 12 Consumer Disputes Category 13 62 - Counterfeit Transaction 70 - Card Recovery Bulletin 74 Late Presentment 30 Services Not Provided or Merchandise Not Received 81 - Fraud Card Present Environment. Credit card declined codes can appear for many reasons.

So you can retry the card in one or two days after the decline occurs and hope for valid authorization. Do not resend the request. A decline response code generated by the PayJunction system.

For more information about the decline search for the transaction in the Business Center and view the transaction details. If your credit card gets declined at the point of sale the first thing you should do is ask. A 00 approval response or a decline response code generated from the credit card processing networks and the customers issuing credit card bank.

Retrieval Reason Codes Chargeback Reason Codes Mastercard Reason Code Description Time Frame Retrieval Required 01 Yes 02 07 No 08 12 31 Transaction amount differs 34 Duplicate Processing 35 37 No Cardholder Authorization 40 Fraudulent Processing of Transactions 41 Cancelled Recurring Transaction 42 Late Presentment 46 47 49 Questionable Merchant Activity 50 53 54 55 57 60. Request a different card or other form of payment. These decline codes mean that there is some sort of mistake with the card number or transaction details.

A hold-call code may indicate fraudulent use of the credit card. The merchant attempts in any way to force circumvent or override a declined authorization. This is usually the result of a typo.

They can occur because an activity limit on your card was hit or because a purchase on your card was deemed as suspicious. The following codes indicate that ProtectPay was able to successfully submit a transaction to your merchant account provider but that your merchant account provider was unable or unwilling to pass the transaction over the credit card processing networks for some reason. Check to make sure the credit card number is correct codes 14 and 15 and that the transaction amount is not negative and contains no errant numbers or symbols code 13 then try the transaction again.

23 Zeilen Each reason why a card gets declined comes with its own unique credit card decline code. The good news about soft declines is that the transaction failure is temporary. In the case of reason code 112 its simple and straight-forward.

The merchant does not request authorization. 233 Processor declined the card. This reason code means that the available credit limit is not sufficient for the transaction.

234 Information in your account is incorrect. As a business owner the last thing you want to see is a list of credit card declined codes when processing a transaction. If you get one of the following CALL or DECLINE codes it usually indicates a problem with the.

This cannot be overridden without contacting the issuing bank or correcting a problem at the processor level. If your business uses a card terminal for payment processing its critical to understand the various codes that may appear on your payment terminal if a card is declinedAdditionally these codes can help you determine the reason a customers card is not. Whenever a card used in a transaction is declined the sale should be terminated.

This occurs when a payment cant be processed for a specific reason. The merchant makes multiple attempts on a card that is declined. Generally the decline code you receive through your credit card processing company is the actual response from the customers issuing bank.

As an APC you are required to pull mandatory IBA Declined Authorizations Reports and resolve the reason for declines as expeditiously as possible to. Table of common Result Codes. Complete list of credit card declined codes CallDecline Codes.

Response Codes Reversal Reason Mappings Moso Docs