The Complete List of Credit Card declined codes for 2022.
You were denied credit on your credit card when you attempted to make use of it?
If you look through this list of decline codes you'll be able to pinpoint the source of the issue.
In this post we'll help you with finding out exactly what's going on with your (or your customer's) credit card and provide the reason why the card didn't function. In this article we'll discuss the most often-used and scarcedecline codes for credit cards in detail, including their significance and what to do regarding every one of them.
Let's go!
Check out our video tutorial that includes a comprehensive listing of The Credit Card Declined Codes - Explained
What is Credit Card Decline Code?
A decline code on credit cards is the amount that is displayed in the process of processing the credit card every whenever a transaction, which is sometimes referred to a payment was declined.
If you're at a store however you are not able to have the credit card accepted by the merchant, there will be an error which could assist you in finding out the cause.
This can happen in the event that the transaction has to be blocked by the seller bank, the issuer of the card.
If you're facing this issue and are experiencing the issue, the issue will be followed with a brief error message that ranges between three and one (or characters in some instances).
The error message that you receive can also be referred to as an error message that indicates credit decline. It can be explained by the source code that explains the cause of the issue... so long you understand its meaning.
First, we'll cover the main reason a card gets declined and the codes related to these. After that, we'll explore the numerous possibilities of the codes related to declines on credit cards.
The most common reasons for which cards are refused
In this article we'll discuss the most common reasons why an order might be rejected.
The most frequent reasons for a credit card to not to be accepted are:
- Error in verification of your debit or credit card (Code CV): There could be an issue or both either with your credit card or the magnetic strip. It could render it ineligible for purchases.
- Funds not sufficient (Code 51):You don't have enough money in the account associated with your card (both credit and debit cards).
- Limit of credit that is exceeded (Code 65):Even if you have money in your accounts and would like to decrease it after you've reached limit on credit in your account prior to the time you're able to transfer it to another.
- Card that is expires (Code 54):All credit cards have expiration dates . Try to make use of your credit card prior to expiration day, you'll get an error message.
- Transaction not permitted (Code 55): This occurs when you try to use your credit card for purchases that aren't permitted (for example, in the event that you've blocked online transactions, or foreign transactions).
- Unusual number for a card (Codes 14 and 15): There are two methods to enter the correct card number. If the code you input is wrong, you'll get an error message 15 which means "no such issuers" since the first number is that the name of the company who issued the credit card. If you encounter another error number then you'll receive an error message 14for making an error in entering the card's number.
- Secure code is not secure (Code 64):This occurs when you enter the 3-digit CVV (or CVC code at the back on your card, or type in your four-digit CID code on the card's front .
If you are experiencing some of these difficulties, it is possible to observe errors 12or the error code 85. These are just a sign of an unapproved transaction. The banks that issue credit cards typically use these two mistakes as response codes to catch all kinds of problems that create more difficulty to determine what's wrong.
It's possible you entered the incorrect credit card number, entered the wrong verification code, or even entered the wrong expiration date or perhaps you tried to achieve tasks that were impossible for instance, such as trying to get the money back.
If you're not able to find the error message in the section above, browse through the table below, which has more than 50 decline codes listed numerically, and includes information on why each code occurs and the best way to fix the issue.
The full list of codes for Credit Card Decline
The table is a comprehensive overview of the errors committed by credit cards that are reported, their exact definition of the errors (the specifics), and how to correct the issue.
| Code | Label | The question | The Fix |
|---|---|---|---|
| 01 | Refer to the issuer | The bank that issued the cards (Mastercard, Visa, Discovery and many others.) did not stop the transaction for no any reason. | Contact the bank and get them to explain the situation. |
| 02 | Make sure to check with the issuer (special specific) | The customer's bank has blocked the transfer (similar to the code 01). | Use the number that is displayed on your card to contact the bank, and request an explanation. |
| 04 | The card can be used to make a call to verify the Caller ID (no any fraud or scams implied) | The bank of the client has stopped the transaction and has asked for the seller to keep the card. This doesn't imply fraud but rather a consequence of cards that are expired or have been overdrawn. | Ask the bank what is the cause that notice for signing up pops up on the credit card. |
| 05 | Do not respect | The client's bank halted the payment, and informed the merchant "not accept" your payment by credit card (not to take payments). | The bank should provide you with an explanation. |
| 06 | Other error | The lender who issued the loan doesn't have any clue as to what caused the issue that led to the mistake. However, it appears that there was a problem with the transaction. | If you've made a third attempt, it is recommended to make contact with the bank in the event that you're still not getting results. |
| 07 | The card is utilized to gather additional terms (fraudulent) | The bank that the customer is using had to stop the transaction due to the credit card and bank account were identified as fraudulent. | If you're a consumer, make contact with your bank as soon as you can to address any possible issues. If you're a retailer, hold the card in your possession until you've been given confirmation by both the bank and client on the identity of their client as well as the validity of this credit card. |
| 10 | Partially accepted | The issuer bank will accept part of the transaction but refuses the remainder usually due to the excess of the limit of credit or insufficient funds on the account. | Get in touch with the bank to assist with resolving your issue (and make sure you pay off your credit as long as your credit limit was the primary reason). |
| 12 | Transaction not valid | The amount you're trying to pay is not legally valid. It could be because of an error that occurred, like making the payments. | If you require contact with your bank, you need to restart the entire transaction, be sure that the information you are correct. |
| 13 | Unvalid value | The value you entered for your transaction was invalid usually due to an insignificant symbol that was entered along with the transaction value (e.g. that dollar symbol). | Just start the entire process in the same way Be careful not to make any mistakes when entering amount. |
| 14 | The card cannot be used. | The credit card's account number is not valid, and the credit card processor can't locate the credit card that is linked to the credit card. | Restart the process. Make sure you make sure you have entered the correct numbers. If you're still struggling, you can contact the issuing bank. |
| 15 | The issuer has ceased to exist active. | The number that indicates the bank which issued the card, wasn't exact. (Credit banks who offer credit cards are issued with their own unique code which begins with the first three digits in the case of American Express, 4 for Visa 5, 5 5, 5 to indicate Mastercard and 6, to signify Discover.) | Make sure you enter the credit card again and make sure that you enter the first number in the correct transaction. |
| 19 | Re-enter | An unidentified error has been found. | You should restart the transaction. Make sure you enter your data correctly. If you're having issues, then you need to speak with the company that issued the of the card. |
| 28 | I have not received a response. | An error occurred at the time of transaction, however no any reason being stated. | Restart the transaction. Make sure that you input all of the data correctly. If the issue persists it is necessary to contact the credit card company. |
| 41 | Lost card, pick up | The card's owner who is legitimately responsible for the card has reported it as stolen or lost and the company that issued is refusing the transaction. | If you have a credit card, it is imperative to make contact with the bank right away. If you're the merchant it is possible to ask the client to utilize an alternative card , or call the bank that has made contact with them to get in touch with them. |
| 43 | Stolen card, pick up (fraud account) | The owner of the card claims that it was stolen. the card issuer has refused to accept the transaction. | If you have the card, it's imperative to contact the bank ASAP by calling the number that is on the back of your card. If you're selling your card to someone else, make sure they use another card, or call the bank they're using. |
| 51 | Insufficient funds | The card issuer is blocking this particular transaction since the card already exceeds the credit limit, or the process could lead to the account going over the limit. | Contact the bank by using the details at the bottom of your card. Additionally, you can use Internet banking to transfer funds onto the card or to use different cards. |
| 54 | Card that has been expiring | The expiration date is over. | Use a debit or credit card that is still being used. (If you only have one cardin use, the one you want to use will most likely be delivered via mail before the expiring one, and you should be sure you inform your bank.) |
| 57 | The card cannot be used for transactions. Card | The code is displayed when you try to complete an operation that's not permitted, for example, transfer funds into a foreign merchant account. | It is possible to use another card with having the same restrictions. Or, you can call the bank that issued your card to find out the fact that you are able to take these transactions. |
| 58 | The transaction can't be completed -- Terminal | When the account of the merchant connected to the terminal or processor isn't properly set up the error message will display. | The business must call their bank, and request them to make the payment on their behalf. If you're the buyer then you must consider another option for payment such as money or checks. |
| 62 | Service code invalid, restriction |
The invalid service code may be used to describe two particular situations.1 This is the case whenever you want to make a purchase with the credit card you bought with an American Express or Discover card but the system does not allow the card issuers listed above to be utilized.
2. The payment you made for an on the internet using a credit card that's in no position to accept the payment via internet. |
Consider a credit card issued by an alternative issuer like Visa. If the card issuer advertises they will accept payments from the issuer of your card, be sure to check with the bank if your credit card's setting allows for payment on the internet. |
| 63 | Security breach | The three-digit CVV2 is also known under its name CVC as well as the 4-digit CID security code. It was either not right or working in a proper manner. | Begin the transaction over again, and make sure you type the security code correctly. |
| 65 | The limits on overruns in activity | The credit cardholder has exceeded the limit of the credit limit (or the transaction may cause them to be the limit). | Consider a different credit card. If you aren't able to find alternatives, take advantage of either online or telephone banking services to settle the remaining credit card's balance prior to attempting to make use of it. |
| 85 or 85 | Issuer system unavailable | The error message will be displayed in the event of a short-term communication problem with the vendor and institution that issued the. | Take a moment and then commence the process at the start. |
| 85 | There's absolutely no reason to not acknowledge | The lender hasn't successful in uncovering a particular issue, however, the transaction did not go through. | Start the transaction again beginning with scratching. If you are still having problems, you should contact your issuer bank.You might also consider using a different credit card to determine whether the problem is actually a merchant-related issue. |
| 91 | The switch or the issuer isn't available. | The processor, or terminal was not able to finish the payment's authorization. | Start the process to begin the process again. If the problem persists Contact the bank that processed the transaction. |
| 92 | Inability to transfer transaction | The terminal is unable to connect with the card issuer for the required transaction. | Spend a few minutes before trying again. If you're still experiencing difficulties, call your bank. |
| 93 | Violation, cannot complete | The bank is aware (or knows of) the potential for legal violation of the cardholder. In addition, the bank's assets were taken. | If you see the error message, make contact with the bank who supplied you with the error code to resolve any issues. |
| 96 | System error | Try resuming the transaction. If the problem persists, you can try a different credit card.If you're not able to solve the issue, the issue is most likely with the processor used by the merchant. | |
| RO or R1 | The client requested a certain amount per payment | The person who requested it specifically wanted that you stop the regular payments that you're trying to control. | |
| CV | Card type verification error | The reader for the card was unable to verify the authenticity of the card. This could be due to a glitch in the microchip, or with the magnetic strip. | Try the trick that was used for years of gently rubbing the card with your clothes before gently cleaning it again.If you're not successful, you could enter your credit card's code or call the bank. |
| W1, W2, W9 | Bank error: Error connecting | This could be due to power failures or any other interruptions to services. | You should wait for power to come back. If it does not you can look for signs of power outages which may affect you.If there isn't a specific basis for the outage, make contact with your merchant bank. |
Codes to detect fraudulent activities
If you're a retail store or card holder, the worst-case scenario would be that you'll be notified of an error for fraud.
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But, fraud with credit cards is much more prevalent than you think. For the United States alone, there were 271,823 cases of credit card fraud in the US in the US only.
With hundreds of thousands of incidents of fraud involving credit cards each year, it's vital to be vigilant in identifying people who aren't the actual owners or the account they are making use of. Additionally, it is important to be attentive and mindful of how your personal credit cards are being used.
Below are the full debit codes of credit cards tied to the fraud
- Code 7 To pick out the credit card. Special condition (fraud accounts ): issuer of the card has identified the account as fraudulent and thus denied the transaction.
- Code 41 Loss of card, opportunity to choose (fraud account): The real owner of the card has reported it as stolen or lost , and the company which issued the card been able to block the payment.
- Code 43 Card stolen and taken (fraud account): The owner of the account has informed us that their account was robbed and that the institution that issued it has stopped the transaction.
- Code 215 Stolen or lost card:The real cardholder has reported the card as stolen or lost, and the issuer is blocking the transactions.
- Code 534 - Do not respect, high-risk level of risk The transaction could not pass PayPal along with Google Checkout risk modeling.
- Code 596 Suspecting that fraud:Again, the card issuer is concerned about fraud and has stopped the purchase.
What can I do in the event that my Credit Card Is Declined?
Once you have determined that, then determine whether the issue is in your debit or credit card, or the terminal of the seller.
Then, take the appropriate steps to fix the problem. It could involve beginning the transaction over again, typing into the account with care and calling the bank, or perhaps trying a different account.
Troubleshooting can be reduced to three steps, which are simple to follow:
- If your code is rejected If the code is declined, request it.
- Discover the purpose of the code.
- It is advised to take the appropriate action (usually calling the issuing bank or using a different credit card).
There's a possibility that you believe you've received your money up to date or the amount on the credit card you have isn't satisfied, but it's always a bad idea to verify your bank account with the one you're working.
Many of us carry many cards. It's difficult to track how many cards that you own. The amount of credit cards are more than one billion credit cards that are used in the US all across the United States alone.
It's not a wise option to be penalized for charges that aren't needed for an overdraft or late payment along with a large unexpected bill once you've been swindled by fraudsters.
It's for Credit Card Declined Code FAQ
Are you confused by mistakes? Take a look at these frequently asked questions.
What is the reason why my credit card is always refused when I'm using cash?
There are a variety of causes for your credit card to be refused, even though you have funds in the account.
- You could be trying to make use of a credit or debit card to buy something that's not authorised for online transactions , or for transactions from a different country.
- The credit card information you provided may have been flagged as fraudulent.
- It is possible that you've entered the credit card's number, such as the CVV2 number, your PIN, or code in incorrect manner.
- It could be a problem in the terminal at the store or at the terminal, not necessarily the credit card .
What is the exact meaning of Credit Card Code 51 Mean?
The credit card declined number "51" means that you've surpassed the maximum limit on your credit card (if it's a credit card or debit card) or have run out of money (if using a debit or credit card).
What is the reason that my credit card was not used when I made an order online?
Card transactions may be refused for three reasons such as the setting up of an account that is not able to pay for the amount or incorrect details.
- The card you're isn't set-up to allow online transactions. Make sure to contact your bank in order to confirm whether this is the case.
- You may have used the wrong credit card CVV2 CVV2 number CVC, CID, name or CVV2 in error.
- It is possible that you have a deficit of funds that is left on your credit card, or you may be close to surpassing the limit of your credit.
Summary
Whether it's your own credit card or the customer's credit card, it's a matter of The reason for the decline is essential to figure out which is the best option.
This guideline should have given you enough facts to pinpoint the issue on your credit report as well as sufficient information needed to take the right decisions in order to fix the issue.
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