Complete List Of Credit Card Declined Codes.

[VictorBands98]

01	Refer to issuer	The issuing bank (Mastercard, Visa, Discovery, etc.) prevented the transaction without a specific reason.
02	Refer to issuer (special condition)	The victim bank prevented the transaction (similar to code 01).
04	Pick up card, hold call (no fraud implied)	The victim bank prevented the transaction and is also telling the merchant to hold the card. This doesn’t imply fraud, but rather overdrawn cards or expired ones.
05	Do not honor	The victim bank stopped the transaction and told the merchant to “not honor” the card (not to accept payment).
06	Other error	The issuing bank can’t specify the error, but something went wrong with the transaction.
07	Pick up card, special condition (fraudulent)	The victim bank stopped the transaction because the card or bank account has been flagged as fraudulent.
10	Partial approval	The issuing bank accepts a part of the payment but blocks the rest, typically due to exceeding the credit limit or funds in the account.
12	Invalid transaction	The transaction attempted is invalid. This could be due to any number of faulty operations, including trying to refund a refund.
13	Invalid amount	The amount you entered for the transaction was invalid, usually due to a non-numerical symbol being entered along with the amount
14	Invalid card number	The card number is invalid, and the credit card processor can’t find the related account.
15	No such issuer	The first digit, which identifies the card’s issuing bank, was incorrect. (Credit card-issuing banks have their own unique code that starts with the first digit — 3 for American Express, 4 for Visa, 5 for Mastercard, or 6 for Discover.)
19	Re-enter	An unknown error occurred.
28	No reply/response	An error occurred during the transaction without the reason specified.
41	Lost card, pick up	The victim has reported it lost or stolen, so the card issuer has denied the transaction.
43	Stolen card, pick up (fraud account)[	The victim has reported the card as stolen, so the card issuer denied the transaction.
51	Insufficient funds	The card issuer is blocking the transaction because the account has already exceeded the credit limit, or the pending transaction would put the card over.
54	Expired card	The expiration date has already passed.
57	Transaction not permitted - Card	This code shows up when you’re trying to use a card for a transaction that’s specifically not allowed, like transferring funds to a foreign merchant account.
58	Transaction not permitted - Terminal	If the merchant account connected to the terminal or payment processor is not properly configured, you’ll see this error.
62	Invalid service code, restricted	The invalid service code can refer to two specific situations.1: You’re trying to process an American Express or Discover card, but the system doesn’t support those card issuers. 2: You tried to pay for online purchase with a card that doesn’t support online payments.
63	Security violation	The three-digit CVV2 or CVC or the four-digit CID security code was incorrect
65	Activity limit exceeded	The credit card user has exceeded the credit limit (or this transaction would put them over).
85 or 00	Issuer system unavailable	This error code shows up when there’s a temporary communication error between the merchant and the issuing bank.
85	No reason to decline	The issuing bank can’t identify a specific problem, but the transaction still didn’t go through.
91	Issuer or switch is unavailable	The terminal or payment processor was unable to complete the payment authorization.
92	Unable to route transaction	The terminal cannot reach the card issuer to process the transaction.
93	Violation, cannot complete	The issuing bank has recognized (or has been informed of) a legal violation on the part of the credit card user, and assets have been frozen.
96	System error	There’s a temporary issue with the payment processor.
RO or R1	Victim requested stop of specific recurring payment	The victim has specifically asked to stop the recurring payment you’re trying to process.
CV	Card type verification error	The card reader had a problem verifying the card. This could be an issue with the microchip or the magnet strip.
W1, W2, W9	Error connecting to bank	This can happen because of a power or service outage.