Below you'll find explanations of decline codes:

ERROR 01:

  • This means that the cardholder's credit card company has blocked the transaction.
  • Please call the 800 number on the back of the card to determine the issue.

ERROR 02:

  • This means that the cardholder's credit card company has blocked the transaction.
  • Please call the 800 number on the back of the card to determine the issue.

ERROR 04:

  • There is a problem with the card so your bank has prevented the transaction from being authorized.
  • Please call the 800 number on the back of the card to determine the issue.

ERROR 05:

  • Do not honor. Your card company has prevented the transaction from being authorized. There is a problem with the account. The customer’s bank has declined the transaction as the credit card number has failed a security check, or the funds have been frozen or depleted. The customer should use an alternate credit card.
  • Please call 800 number on the back of the card to determine the reason.

ERROR 07:

  • There is a problem with the card. It has been marked for fraud.
  • Please call the 800 number on the back of the card to determine the issue.

ERROR 12:  

  • Decline - Invalid Transaction: Please verify that you are typing in the credit card information correctly and run the transaction again.

ERROR 14:

  • Card Number Error: Account number entered incorrectly (mistyped). Verify your account number and re-enter.

ERROR 28:

  • The cardholder's bank is not replying to the credit card transaction. Try waiting and then rerunning the transaction.
  • Please call the 800 number on the back of the card to determine the issue.

ERROR 41:

  • Lost card - There has been fraud reported on the account.
  • Please call the 800 number on the back of the card to determine the issue.

ERROR 43:

  • There has been fraud reported on the account.
  • Please call the 800 number on the back of the card to determine the issue.

ERROR 51:

  • Insufficient funds. You do not have enough money in the account.

ERROR 54:

  • Expired Card.

ERROR 57:

  • Transaction not permitted. The bank that has issued this card does not allow this type of purchase.

ERROR 61:

  • Exceeds your withdrawal limit. Card cannot be used until withdrawal limit has been increased/lifted.
  • Please call the 800 number on the back of the card to determine the issue.

ERROR 62:

  • Invalid service code, restricted. Your credit card company does not allow them to purchase products from this business type.

ERROR 65:

  • Activity limit exceeded. Card cannot be used for the purchase.

ERROR 78:

  • No Account - Credit Card is declining the transaction, and there may be a problem on the issuing bank's end.
  • Please call the 800 number on the back of the card to determine the issue.

ERROR 91:

  • Your bank is not replying to the credit card transaction. Try waiting and then rerunning the transaction.
  • Please call the 800 number on the back of the card to determine the issue.

ERROR 93:

  • Violation, cannot complete.
  • Please call the 800 number on the back of the card to determine the issue.

ERROR 96:

  • System Malfunction: Card issuing bank is having a system malfunction and is declining the transaction attempt. Cardholder must contact Issuing Bank.

ERROR CV:

  • Failure CV: Card Type Verification Error. This means that the type of card has not been added to your account (or there is an account number error).
  • Please call the 800 number on the back of the card to determine the issue.

ERROR HV:

  • Failure HV: This means that there was a configuration error when your account was added.
  • Please call the 800 number on the back of the card to determine the issue.

ERROR N4:

  • Exceeds issuer withdrawal limit. Card cannot be used until withdrawal limit has been increased/lifted. The transaction was declined or returned because the client has contacted their card institution and requested a block for all re-occurring billing charges to this card.
  • Please call the 800 number on the back of the card to determine the issue.
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