What are the common decline error messages for credit cards and what do they mean?
By far Vital/Visanet has the most descriptive decline messages. I will outline messages for this processor herein:
Response Code |
Auth Message |
Response Definition |
Remedy |
01 |
Call |
Refer to Issuer |
Have customer contact their card issuer,
the 800 number on back of card |
02 |
Call |
Refer to Issuer |
Have customer contact their card issuer,
the 800 number on back of card |
28 |
No Reply |
File is temporarily unavailable |
Re-try transaction |
91 |
No Reply |
Issuer or Switch is unavailable |
Re-try transaction |
04 |
Hold - Call |
Pick up card (no fraud) |
Have customer call card issuer to remedy |
07 |
Hold - Call |
Pick up card, special condition (fraud
account) |
Fraud |
41 |
Hold - Call |
Lost card, pick up (fraud account) |
Fraud |
43 |
Hold - Call |
Stolen card, pick up (fraud account) |
Fraud |
EA |
Account Length Error |
Verification error |
|
79 |
Already Reversed |
Already reversed at switch |
|
13 |
Amount Error |
Invalid amount |
Must be a dollar amount >0 |
83 |
Can't Verify PIN |
Can't Verify PIN |
|
86 |
Can't Verify PIN |
Can't Verify PIN |
|
14 |
Card No Error |
Invalid card number |
Have customer re-enter card number.Wrong
length? |
82 |
Cashback Not APP |
Cash back limit exceeded |
|
N3 |
Cashback Not Avl |
Cash back service not available |
|
06 |
Check Digit Error |
Verification error |
|
EC |
CID Format Error |
Verification error |
|
80 |
Date Error |
Invalid date |
|
05 |
Decline |
Do not honor |
Card declined. Have customer contact
their issuer. |
51 |
Decline |
Insufficient Funds |
Try another card, a lower amount. |
N4 |
Decline |
Exceeds issuer withdrawal limit |
|
61 |
Decline |
Exceeds withdrawal limit |
|
62 |
Decline |
Invalid service code, restricted |
Add Amex or Discover Service or the Cardholder is not allowed to make online transactions with their card. |
65 |
Decline |
Activity limit exceeded |
|
93 |
Decline |
Violation, cannot complete |
|
81 |
Encryption Error |
Cryptographic Error |
|
06 |
Error XXXX |
General Error |
Retry transaction |
54 |
Expired Card |
Card expired |
Have customer call issuer to renew the
card |
92 |
Invalid Routing |
Destination not found |
|
12 |
Invalid Trans |
Invalid transaction |
Validate card details. Retry transaction |
78 |
No Account |
No account |
|
21 |
No action taken |
Unable to backout transaction |
|
76 |
No action taken |
Unable to locate, no match |
|
77 |
No action taken |
Invconsistent data, rev., or repeat |
|
52 |
No Check Account |
No checking account |
|
39 |
No Credit Acct |
No credit account |
|
53 |
No Save Acct |
No savings account |
|
15 |
No Such Issuer |
No such issuer |
Invalid card number. Be sure card starts
with 6,5,4,or 3. Re-enter, Retry card |
75 |
PIN Exceeded |
PIN tries exceeded |
|
19 |
RE-ENTER |
Re-enter Transaction |
Retry |
63 |
SEC Violation |
Security violation |
|
57 |
Serv Not Allowed |
Transaction not permitted-Card |
Make sure transaction passes AVS. Retry
with good billing details |
58 |
Serv Not Allowed |
Transaction not permitted-Terminal |
|
96 |
System Error |
System Malfunction |
Retry |
03 |
Term ID Error |
Invalid Merchant ID |
Ensure that your merch account details
are setup correctly |
55 |
Wrong PIN |
Incorrect PIN |
|
N7 |
CVV2 Mismatch |
CVV2 Value supplied is invalid |
|
85 |
Card OK |
|
|
