This is the Complete List of Credit Card declined codes for 2022.
Your credit card was declined on your credit card when you tried to use it. of it?
If you read this listing of decline codes you'll identify the root of the problem.
This article will assist you discover what's wrong with your (or the customer's) credit card and provide reasons why it did not function. In this article we'll discuss the most frequently-used and raredecline codes for credit cards in detail, including their significance and the best way to handle every one of them.
Let's go!
Take a look at the instructional video that includes a comprehensive description of Credit Card Declined Codes - Explained
What exactly is Credit Card Decline Code?
A decline number on credit cards indicates the amount displayed when processing the credit card every when a transaction is made, and can be referred to as being declined.
When you're shopping however you are not able to get your credit card accepted by the merchant There could be an error, which can assist you to determine the cause.
It could happen in the event that the transaction has to be stopped by the bank that is selling it or the bank that issued the card.
If you're facing this issue and you're experiencing this issue it will be followed with a brief error message that can range from three and one (or characters in some instances).
The error message that you receive can also be described as an error message that indicates credit decline. The explanation can be found in the source code that explains what caused the problem... so long you know what it means.
In the beginning, we'll discuss the most common reason that a card is declined as well as the code that is associated with these. We'll then look into the various possible options for declines of credit cards.
The most common reasons for which cards are refused
In this post, we'll look at some of the reasons that are most commonly used to explain why an order might be rejected.
The most frequent reasons for the credit card not be accepted is:
- Verification error with your credit or debit card (Code CV): There could be an issue or both depending on your credit or debit card, or with the magnetic strip. It could render it ineligible for purchase.
- Funds not sufficient (Code 51):You don't have sufficient funds in your account associated with your card (both credit and debit cards).
- Limit of credit which is over (Code 65):Even if you already have funds in your account and would like to decrease it once you've hit the limit on credit in your account prior to when you're allowed to transfer it into another.
- Card that is expires (Code 54):All credit cards come with expiration dates . Try to make use of your credit card prior to the expiration date, or you'll receive an error warning.
- Transactions not allowed (Code 55): This occurs when you attempt to use your credit or debit card to purchase items that aren't permissible (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 ways to input the correct card number. If the number you enter is wrong, you'll get the error code 15 which is "no issues from such companies" because the initial number refers to is the name of the business who created this credit card. If you encounter another error number then you'll receive the error code 14for the error you made in entering the card's code.
- Secure code is not secure (Code 64):This occurs when you enter the 3-digit CVV (or CVC code at the back of your card or input the four-digit CID code on your card's front .
If you're experiencing any issues you may be able to errors 12.or an error message 85. They're just signs of an unapproved purchase. Banks that issue credit cards typically utilize these two mistakes as response codes to catch all kinds of problems that cause more trouble to identify what's wrong.
You could have used the wrong payment card's number or or entered the incorrect verification code or even entered the wrong expiration date or perhaps you tried to achieve objectives that were not possible, in the first instance, for example, trying to recover the cash returned.
If you're unable to identify the error message from the above section, look through the table below, with more than 50 decline codes that are numerically listed as well as information about the reason for each code and how to fix the issue.
The full list of codes for Credit Card Decline
The table gives a thorough review of all the mistakes made by credit cards identified, the exact nature of the errors (the specifics), and how you can fix the issue.
| Code | Label | The question | The Fix |
|---|---|---|---|
| 01 | Refer to the issuer | The company who issued the card (Mastercard, Visa, Discovery and many more.) did not block the transaction for or no reason. | Contact the bank and get them to explain the situation. |
| 02 | Check with the provider (special special) | The bank that the customer is using has stopped this transfer (similar to the code 01). | Use the number that is visible on your credit card to call the bank and ask for an explanation. |
| 04 | It can also be used to make an call to confirm that the ID of the caller is valid (no either fraud nor scams or frauds) | The bank of the client has halted the transaction and requested the seller to retain the card. It's not a sign of fraud, but rather a consequence of cards that are expired or in excess of their limit. | Find out from the bank the root of the issue that causes the notice to sign-up appears on the credit card. |
| 05 | Do not respect | The client's bank halted the transaction and advised the merchant "not take" the payment made with a credit card (not to take credit card payments). | The bank must provide you with an explanation. |
| 06 | Other error | The bank that issued the loan has no idea of what led to the problem that caused the mistake. It appears, however, that there was an issue in the transaction. | If you've tried a second attempt, it is recommended to contact your bank in case you're not seeing results. |
| 07 | The card is utilized to collect further details (fraudulent) | The account at the bank the customer uses had to stop the transaction due to the credit card and bank account were discovered to be fraudulent. | If you're a consumer get in touch with your bank as fast as you can to address any issues that might arise. If you're a retail store, hold the card until you've been given confirmation by both the bank as well as the client of the identity of the client as well as the validity of the credit card. |
| 10 | Partially accepted | The bank that issued the credit will approve some of the transactions, but refuses the remainder usually due to excess the credit limit or the insufficient funds available on the account. | Make contact with the bank to assist with the resolution of your concern (and be sure to make sure you pay your debt off as in the event that your credit limit was the primary motive). |
| 12 | It isn't legitimate | What you're trying to pay is not legally valid. It could be because of an error, like making the payments. | If you require contact with your bank, it is necessary to restart the entire transaction, be sure that all the details you provide are accurate. |
| 13 | Unvalid value | The value you entered for your transaction was invalid usually because of an unimportant symbol that was entered along with the transaction value (e.g. the dollar symbol). | Just start the entire process the same way. Make sure not to commit any mistakes when entering amount. |
| 14 | The card can't be used. | The number on the account of the credit card is not valid, and the processor for credit cards can't locate the credit card that is connected to the credit card. | The process should be restarted. Check to ensure that you've entered the correct numbers. If you're still struggling with the issue, get in touch with the bank that issued your card. |
| 15 | The issuer is no longer be in active. | The number that indicates the bank which issued the cardwas not precise. (Credit banks that issue credit cards are issued with their own unique code which begins with the three initial figures for American Express, 4 for Visa 5, 5 5, 5 to indicate Mastercard and 6, for Discover.) | Make sure you enter the credit card again and ensure that you have entered the correct number for the right transaction. |
| 19 | Re-enter | A non-identifiable error was found. | It is recommended to restart the transaction. Make sure you enter your information correctly. If you're having difficulties, then it's time consult with the organization that issued the of the card. |
| 28 | I have not received a response. | A mistake was made during the transaction, however no any explanation was provided. | Restart the transaction. Make sure that you input all of the data correctly. If the issue persists it's best to call the credit card company. |
| 41 | Lost card, pick up | The owner of the card is legally responsible for the card has reported it as stolen or lost , and the company that issued it is refusing to accept the transaction. | If you own an account with a credit card, it's essential to contact the bank right away. If you're the one who is selling it, you can ask your customer to use an alternative card , or call the bank which reached out to them and get in touch with the bank. |
| 43 | Stolen card, pick up (fraud account) | The person who owns the card says that the card was taken. The card issuer has refused to accept the transaction. | If you own your card, you'll need that you contact your bank immediately by calling the number that is located on the back of your card. If you're selling your card an individual, be sure they're using a different credit card or contact the bank they're using. |
| 51 | Insufficient funds | The credit card company is preventing the transaction because it already exceeds the credit limit or this process may result in the account being beyond the limit. | Contact the bank by using the details on the back of your card. You can also use Internet bank accounts to deposit funds into the card, or utilize different cards. |
| 54 | Card that has been expiring | The expiration date has passed. | Use a debit or credit card that is still being utilized. (If there is only one card in use that card, the one you wish to use is likely to be sent by mail prior to the expiring one, and it is important to inform your bank.) |
| 57 | It isn't able to be used to make transactions. Card | The code appears when you try to complete the task that isn't permitted like, for instance, transferring funds to the account of a merchant in another country. | It's possible to make use of another card with having the same limitations. Or, you can call the bank that issued the card to confirm the possibility of being allowed to make the transactions. |
| 58 | The transaction cannot be concluded -terminal | When the account for the seller linked to the terminal or processor isn't properly set up the error message will be displayed. | The company must contact their bank, and request for them to pay on behalf of the business. If you're the purchaser, you should consider a different method for payment such as money or check. |
| 62 | Service code invalid, restriction |
The invalid service code may be used in two distinct situations.1 This can happen any time you're trying to buy something with the credit card that you purchased with the American Express or Discover card however the system doesn't allow the credit card issuers mentioned above to be utilized.
2. The payment you made for an on the internet using an credit card which is in no position to accept the payment via internet. |
Consider a credit card from another issuer, such as Visa. If the issuer of your card states that they accept payment from the issuer of your card, be certain to inquire with your bank to see if the credit card's configuration allows payment via the internet. |
| 63 | Security breach | The 3-digit CVV2 can also be referred to under its name CVC as well as the 4-digit CID security code. The code was not working or functioning in a normal manner. | Start the process over Be sure to enter the security code in the correct way. |
| 65 | The limit on excesses for the field of | The credit cardholder has exceeded the limit of his credit limit (or the transaction may cause it to exceed the limit). | Think about a different credit card. If you're unable to come up with alternatives, make use of phone or online banking to settle your credit card's account prior to attempting to make use of it. |
| 85 or 85 | Issuer system unavailable | The error message will be displayed in the case of a communication issue that is short-term with the company or institution which issued the. | You should take a minute and start the process again at the beginning. |
| 85 | There's absolutely no reason to not acknowledge | The lender isn't able to succeed in uncovering a particular issue, however, the transaction didn't go through. | Start the transaction again beginning with scratching. If you are still having issues, it is best to contact your issuer bank.You might also consider using an alternative credit card in order to check if the issue is actually a merchant-related issue. |
| 91 | The issuer or switch isn't working. | The terminal, or processor did not have the ability to complete the payment's authorization. | Start the process to begin the process over again. If the issue persists, contact the bank who processed the transaction. |
| 92 | Inability to transfer transaction | The terminal can't connect to the issuer of the card for the required transaction. | Give yourself a couple of minutes before trying again. If you're having trouble, call your bank. |
| 93 | Infraction, not complete | The bank is aware (or is aware of) that there is a possibility for legal violations against the cardholder. In addition the assets of the bank were confiscated. | If you are confronted with an error message, you should get in touch with the bank that provided you with the error code for assistance in resolving any problems. |
| 96 | System error | Retry the process. If the problem persists, you can try a different credit card.If you are unable to fix the problem then the problem is likely with the processor used by the merchant. | |
| RO or R1 | The customer requested a particular amount for each payment | The person who made the request specifically requested that you cease the regular payments that you're trying to manage. | |
| CV | Card type verification error | The reader for the card was unable to verify that the validity of the card. It could be because of an issue with the microchip, or the magnetic strip. | Use the technique that was used for years of gently rubbing the card with your clothing before gently washing it again.If you're not able to succeed, you could enter the credit card's number or contact the bank. |
| W1, W2, W9 | Bank error: Error connecting | It could be caused by power outages or other interruptions in services. | You should wait for power to come back. If it does not then you should look for indications of power interruptions which could impact you.If there's no specific reason for the interruption, contact your merchant bank. |
The codes can be used to identify fraud
If you're a retailer or card holder, then the worst-case scenario would be that you're notified of an error for fraud.
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However, the risk of fraud using credit cards is much more prevalent than you think. For the United States alone, there were 271,823 instances of fraud with credit cards in the US and the US only.
With many thousands of instances of credit card fraud each year, it's essential to be vigilant in identifying people who aren't the actual owners or the account that they're using. In addition, it's crucial to remain aware of the way your personal credit cards are using.
Here are the complete debit codes of credit cards linked to fraud
- Code 7: To select the card. Special conditions (fraud accounts ) Issuer of card determined that the account is fraudulent, and has therefore denied the purchase.
- Code 41. Loss of the card, possibility to choose (fraud account): The real owner of the card claimed it was stolen or lost, and the business that issued the card been capable of blocking the card.
- Code 43 Card taken and used to purchase (fraud accounts): The owner of the account has informed us that the account was robbed and that the institution who issued it has ended the operation.
- Code 215 Stolen or lost card:The real cardholder has claimed the card was stolen or lost and the issuer is blocking the transaction.
- Code 534 - Don't respect, high-risk level of risk The transaction cannot pass PayPal along with Google Checkout risk-based modeling.
- Code 596 Suspecting fraud is taking place:Again the issuer of the card is concerned about fraud and has halted the transaction.
What can I do in case you find out that your Credit Card Is Declined?
If you've determined this is the case, you can then identify if the problem is with your debit or credit card or in the terminal used by the seller.
Take the necessary actions to correct the issue. It could involve beginning your transaction again by entering the information into the account carefully and making contact with the bank or perhaps trying a different account.
Troubleshooting can be simplified to three steps, which are simple to follow:
- If the code you entered has been rejected, or the code has been rejected you can request the code.
- Discover the purpose of the code.
- It is suggested to take the appropriate action (usually by calling the bank that issued the credit card or with a different credit/debit card).
It's likely that you believe that you've received your funds up to date or the amount on the credit card not been satisfied with, however it's not a good idea to verify your account's bank with your current one.
Many of us carry many cards. It's not easy to determine the number of cards you hold. There are more than one billion credit cards which are in use across the US all over all of the United States alone.
It's not wise to be penalized for charges which aren't required for an overdraft or the late payment, or an unexpectedly large bill after you've been swindled by scammers.
It's meant for Credit Card Declined Code FAQ
Are you confused by mistakes? Take a look at the frequently asked queries.
What is the reason why my credit card keeps getting refused when I'm using cash?
There are a variety of reasons for your credit card being denied though you have funds in the account.
- You could be trying to make use of your debit or credit card to purchase something which is not authorised for online transactions as well as transactions that originate from another nation.
- Your credit card details you provided may have been categorized as fraud.
- It is possible that you've entered the credit card's number like the CVV2 number, PIN, or code in incorrect manner.
- There could be an issue with the terminal in the store or at the terminal. It's not always that the card is at fault .
What is the exact definition that Credit Card Code 51 Mean?
The credit card declined code "51" indicates that you've reached the maximum limit on the credit card (if it's a credit card or debit card) or have run out of money (if you're using a debit or credit card).
Why is it that my credit card was not used when I made an order on the internet?
Transactions on credit cards can be rejected because of three factors, such as the creation of an account that is not able to pay for the amount or incorrect details.
- The credit card you're using isn't setup to allow online transactions. You should contact your bank to determine if this is the case.
- It is possible that you have entered the incorrect CVV2 number for your credit card CVV2 number CVC (CID), name, or CVV2 in error.
- It is possible that you are in a position of having a shortfall which is owed to your credit card, or you may be near to exceeding the credit limit.
Summary
If it's your personal credit card or the client's credit card, it's all a matter of The reason for the decrease is crucial to figure out which is the most effective option.
This article should give you enough facts to pinpoint the problem on your credit report, as well as sufficient details to help you make the appropriate decisions to fix the issue.
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