Refusal Reason

Description

Error Codes

Refused

The transaction was refused.

Referral

Referrals required.

Acquirer Error

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

Blocked Card

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

Expired Card

The card used for the transaction has expired, making it unusable.

Invalid Amount

An amount mismatch occurred during the transaction process.

Invalid Card Number

The specified card number is incorrect or invalid.

Issuer Unavailable

Unable to contact the shopper's bank to authorize 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 funds to cover the payable amount.

Acquirer Fraud

Possible fraud detected by the acquirer.

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-authorization risk checks resulted in a fraud score of 100 or more. Transaction flagged as fraudulent.

Not Submitted

The transaction was not submitted correctly for processing.

FRAUD-CANCELLED

The sum of pre-authorization and post-authorization risk checks resulted in a fraud score of 100 or more.

Transaction Not Permitted

"57: Transaction not permitted to issuer/cardholder" or other related codes.

"57: Transaction not permitted to issuer/cardholder" "57: Transaction not allowed for this merchant"

CVC Declined

The specified CVC (card security code) is invalid.

Restricted Card

"62: Restricted Card" or "62: Invalid card in this country."

"62: Restricted Card" "62: Invalid card in this country"

Revocation of Auth

Indicates the shopper requested to stop a subscription.

"R1: Revocation of Authorization Order" "R3: Revocation of All Authorizations Order" "R0: Stop Payment Order"

Decline Codes (Revocation)

"R1: Revocation of Authorization Order" or "R3: Revocation of All Authorizations Order" etc.

"R1: Revocation of Authorization Order" "R3: Revocation of All Authorizations Order" "R0: Stop Payment Order"

Declined Non Generic

This maps to those response codes that cannot be reliably mapped, making it easier to identify declines.

Withdrawal Amount Exceeded

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

Withdrawal Count Exceeded

The number of withdrawals permitted for the shopper’s card has exceeded the allowed limit.

Issuer Suspected Fraud

Issuer flagged the transaction as suspected fraud.

AVS Declined

The address data the shopper entered is incorrect.

Card Requires Online Pin

The shopper’s bank requires them 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 them to enter a mobile PIN.

Contactless Fallback

The shopper abandoned the transaction after attempting a contactless payment and being prompted to try a different method.

Authentication Required

The issuer declined the authentication exemption and requires authentication (3D Secure).

Req Not Received from DS

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

Current AID 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 with a different payment method.