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Below is a list of typical decline codes that usually mean the customer must reach out to their bank, since these issues can only be resolved on the bank’s side:
05 – Do Not Honor — The bank refused the transaction without sharing a reason. The cardholder should call their bank.
07 – Pick Up Card (Special Condition) — The issuer has flagged the card as lost or stolen. The customer should immediately contact their bank.
12 – Invalid Transaction — The attempt was rejected because of an invalid entry or the way the card was used. The bank can provide more details.
41 – Lost Card, Pick Up (Fraudulent) — The card was reported as lost and is no longer valid. The customer needs to work with their bank to resolve the matter.
43 – Stolen Card, Pick Up (Fraudulent) — The card was reported stolen. The cardholder should get in touch with their bank.
51 – Insufficient Funds — The available balance cannot cover the purchase. The customer may need to add funds or speak with their bank.
54 – Expired Card — The card is no longer valid due to expiration. A new card must be requested from the bank.
57 – Transaction Not Permitted to Cardholder — The bank has blocked this type of transaction for the cardholder. Contacting the bank is necessary for further explanation.
62 – Restricted Card — The card has certain limitations, such as regional use or merchant restrictions. The cardholder should call their bank to clarify.
65 – Activity Limit Exceeded — The daily transaction limit has been reached. The customer can ask the bank about increasing the limit or explore alternatives.
91 – Issuer or Switch Inoperative — A temporary issue occurred with the issuer or payment network. The bank can explain the outage or problem.
93 – Transaction Cannot Be Completed, Violation of Law — A legal or regulatory restriction prevented the transaction. The customer should consult their bank.
N7 – Decline for CVV2 Failure — The security code did not match or failed. The customer may need to confirm their information with the bank.
R0 or R1 – Stop Payment Order — The bank stopped the transaction at the customer’s request, usually due to a stop payment. The customer should verify with their bank.
If you see any other decline codes or reasons, please submit a ticket so our team can investigate further.