Refused

The transaction was refused.

Referral

Referrals.

Acquirer Error

The transaction did not go through due to an error that occurred on the acquirer's end.

Blocked Card

The card used for the transaction is blocked, therefore unusable.

Expired Card

The card used for the transaction has expired. Therefore it is unusable.

Invalid Amount

An amount mismatch occurred during the transaction process.

Invalid Card Number

The specified card number is incorrect or invalid.

Issuer Unavailable

It is not possible to contact the shopper's bank to authorise the transaction.

Not supported

The shopper's bank does not support or does not allow this type of transaction.

3D Not Authenticated

3D Secure authentication was not executed, or it did not execute successfully.

Not enough balance

The card does not have enough money to cover the payable amount.

Acquirer Fraud

Possible fraud.

Cancelled

The transaction was cancelled.

Shopper Cancelled

The shopper cancelled the transaction before completing it.

Invalid Pin

The specified PIN is incorrect or invalid.

Pin tries exceeded

The shopper specified an incorrect PIN more than three times in a row.

Pin validation not possible

It is not possible to validate the specified PIN number.

FRAUD

The pre-authorisation risk checks resulted in a fraud score of 100 or more. Therefore, the transaction was flagged as fraudulent, and was refused.

Not Submitted

The transaction was not submitted correctly for processing.

FRAUD-CANCELLED

The sum of pre-authorisation and post-authorisation risk checks resulted in a fraud score of 100 or more. Therefore, the transaction was flagged as fraudulent, and was refused.

Transaction Not Permitted

The following declined codes are mapped to this refusal reason:

CVC Declined

The specified CVC (card security code) is invalid.

Restricted Card

The following decline codes are mapped to this refusal reason:

Revocation Of Auth

Indicates that the shopper requested to stop a subscription.

Decline codes such as the following are mapped to this refusal reason:

Declined Non Generic

This response maps all those response codes that cannot be reliably mapped. This makes it easier to tell generic declines (for example, Mastercard "05: Do not honor" response) from more specific ones.

Withdrawal amount exceeded

The withdrawal amount permitted for the shopper's card has exceeded.

Withdrawal count exceeded

The number of withdrawals permitted for the shopper's card has exceeded.

Issuer Suspected Fraud

Issuer reported the transaction as suspected fraud.

AVS Declined

The address data the shopper entered is incorrect.

Card requires online pin

The shopper's bank requires the shopper to enter an online PIN.

No checking account available on Card

The shopper's bank requires a checking account to complete the purchase.

No savings account available on Card

The shopper's bank requires a savings account to complete the purchase.

Mobile pin required

The shopper's bank requires the shopper to enter a mobile PIN.

Contactless fallback

The shopper abandoned the transaction after they attempted a contactless payment and were prompted to try a different card entry method (PIN or swipe).

Authentication required

The issuer declined the authentication exemption request and requires authentication for the transaction. Retry with 3D Secure.

RReq not received from DS

The issuer or the scheme wasn't able to communicate the outcome via RReq.

Current AID is in Penalty Box.

The payment network can't be reached. Retry the transaction with a different payment method.

CVM Required Restart Payment

A PIN or signature is required. Retry the transaction.

3DS Authentication Error

The 3D Secure authentication failed due to an issue at the card network or issuer. Retry the transaction, or retry the transaction with a different payment method.