Welcome to our payment decline result codes section! We've compiled a handy list of the most common payment decline codes with friendly explanations and easy-to-follow steps for resolving them. Our aim is to make it simple for merchants to identify the reason for a payment decline and take action quickly.
Transaction Result Codes
You may receive decline codes from the payment processor indicating why a transaction was declined and what action to take. Use the tables & quick search filter below to find the relevant code, its description, and resolution steps.
| Status code
|
Extended description | Reason | How to resolve |
|
Transaction declined by authorisation system |
The bank wants the 3D Secure 2 authorisation process to be completed for this transaction and any transaction like this in future. |
Please speak to your development team to ensure that all steps regarding processing transactions through 3D Secure 2 are completed. If you are unsure, please contact support@totalprocessing.com. |
|
|
800.100.162 |
Transaction declined (limit exceeded) |
No funds available. |
Please speak to the customer about using an alternative payment method or contacting their issuer to go over their available funds. support@totalprocessing.com. |
|
800.100.158 |
Transaction declined (suspecting manipulation) |
The customer's card issuer has declined the transaction as there is a suspected fraud on this credit card number. |
Please advise the customer that they will need to contact their issuing bank in order to discuss the transaction and allow the customer to make the purchase. |
|
100.380.501 |
Risk management transaction timeout |
This error shows that the end-customer did not enter his 3DSecure password at the authentication page of the issuer. One reason for this can be that the customer simply closed the authentication page and performed no action. The second, most common reason (if there are many of these errors), is that the customer was not properly redirected to the authentication URL returned from our system in the first response. |
Be sure to redirect the customer to the provided URL and also add the returned post parameters to the redirect. |
|
800.100.155 |
Transaction declined (amount exceeds credit) |
Being over-limit, or overlimit, refers to a cardholder account that has surpassed its credit limit with a transaction. When cardholders attempt to make purchases that will put them over their credit limit, the card issuer may decline the transactions or may charge consumers hefty over-limit fees. |
Please advise the customer that they will need to contact their issuing bank in order to discuss the credit limitations they have. |
|
800.100.165 |
Transaction declined (card lost) |
The customer has reported the card lost with the issuing bank. |
Please advise the customer that they will need to contact their issuing bank in order to discuss their card account status. |
|
800.100.157 |
Transaction declined (wrong expiry date) |
The customer has input the incorrect expiry date on the card. |
Please advise the customer to try again and enter their bank details correctly. Failing this, they will need to contact their issuing bank in order to discuss their card account details. |
|
100.100.101 |
Invalid creditcard, bank account number or bank name |
Incorrect details have been input at the checkout. |
Please advise the customer to try again and enter their bank card details correctly. Failing this, they will need to contact their issuing bank in order to discuss their card account details. |
|
700.400.200 |
Cannot refund (refund volume exceeded or tx reversed or invalid workflow?) |
A refund is attmepted that is larger than the amount taken. |
Please review the refund amount that you have attempted to ensure the value of the refund does not exceed the value of the transaction. |
|
800.100.172 |
Transaction declined (account blocked) |
Account is temporary unable to transact, please ask for an alternative payment method. |
Please advise the customer to try again with an alternative payment method. Failing this, they will need to contact their issuing bank in order to discuss their card account details. |
|
800.100.163 |
Transaction declined (maximum transaction frequency exceeded) |
Exceeds frequency limit/Additional SCA is required |
SCA Decline - contact the client by phone or SMS to pursue payment. Failing this, they will need to contact their issuing bank in order to discuss their SCA regulations. |
|
100.100.700 |
Invalid cc number/brand combination |
Incorrect brand of payment selected to attempt transaction. |
Please advise the customer to try again with the correct payment method. Failing this, they will need to contact their issuing bank in order to discuss their card account details. |
|
100.150.202 |
Registration is already deregistered. |
Registered card has already been removed. |
If a customer card has been removed, please perform a registration with an acceptable card to register the customer. |
|
100.100.402 |
CC/bank account holder not valid |
Incorrect details have been input at the checkout. |
Please advise the customer to try again with the correct payment details. Failing this, they will need to contact their issuing bank in order to discuss their card account details. |
|
800.100.161 |
Transaction declined (too many invalid tries) |
Too many invalid attempts on the customer's card. |
Please advise the customer to try again with a different payment card. Failing this, they will need to contact their issuing bank in order to discuss their card account details. |
|
900.100.300 |
Timeout, uncertain result |
API communication error. |
An API communication error represents information not being received from an acquirer to validate the transaction request. Please attempt the transaction again. Failing this, please contact your acquirer or reach out to support@totalprocessing.com |
|
100.390.118 |
Authentication failed due to suspected fraud |
Do not attempt the transaction if suspected fraud is occurring. |
Advise the customer that they will need to contact their issuing bank in order to discuss their card account details. |
|
800.300.501 |
Transaction temporary blacklisted (too many tries invalid expire date) |
Incorrect expiry date entered too many times. |
Please advise the customer to try again with the correct payment details. Failing this, they will need to contact their issuing bank in order to discuss their card account details. |
|
800.100.151 |
Transaction declined (invalid card) |
An invalid card number means that the card is likely closed at the card issuing bank and is effectively an invalid card. |
If the cardholder says that the card is not closed, then the cardholder should contact the card issuing bank to resolve the issue. |
|
800.100.153 |
Transaction declined (invalid CVV) |
The customer entered the incorrect CVV associated to their debit or credit card. |
Please advise the customer that they will need re-enter their card CVV correctly. If they are unable to, advise the customer to contact their issuing bank in order to discuss their card details. |
|
800.100.168 |
Transaction declined (restricted card) |
This means that the card that the customer processed is restricted to where it can be used. The restricted card is only allowed to be used for certain types of businesses or purchases. |
The customer should use an alternate credit card or debit card, or contact their bank. |
|
800.100.202 |
Account closed |
A closed account is any account that has been deactivated or otherwise terminated, either by the customer, custodian or counter-party. |
The customer should use an alternate credit card or debit card, or contact their bank. |
|
100.380.401 |
User authentication failed |
This means that the cardholder hasn't entered their details correctly. A 3D secure authentication error could be due to everything from a mistyped card number to an incorrect expiration date. |
If the error continues, the cardholder will need to contact their credit card issuer for assistance. |
|
800.100.190 |
Transaction declined (invalid configuration data) |
The configuration of the merchant account or associated merchant channels has not been set up successfully in order to process payments. |
Please speak to your development team to ensure that all steps regarding processing transactions correctly through Total Processing are completed. If you are unsure, please contact support@totalprocessing.com. |
|
800.100.171 |
Transaction declined (pick up card) |
The error message “Pick up card” means that the customer’s bank has declined the transaction as the issuer wants to retrieve the card. If you can do it safely, you are advised to keep the card. |
Ask the customer for a separate card to complete the transaction and/or ask the customer to call their credit card bank and figure out why the transaction was declined. |
|
100.100.303 |
Card expired |
The expiration date entered for the transaction is in the past. |
Double-check the customer entered the expiry correctly, ask the customer to confirm the expiration date with their issuing bank or request an alternate payment method. |
|
300.100.100 |
Transaction declined (additional customer authentication required) |
The bank wants the 3D Secure 2 authorisation process to be completed for this transaction and any transaction like this in future. |
Please speak to your development team to ensure that all steps regarding processing transactions through 3D Secure 2 are completed. If you are unsure, please contact support@totalprocessing.com. |
|
800.100.170 |
Transaction declined (transaction not permitted) |
The message 'Transaction Not Allowed' indicates a rejection on the side of the credit card provider for unspecified reasons. It doesn't necessarily mean that there is an issue with the card, but it does indicate that the bank will not approve this transaction. You will need to contact your bank for more information. |
The customer should use an alternate credit card or debit card, or contact their bank to obtain further information regarding their credit card. |
|
800.100.100 |
Transaction declined for unknown reason |
This occurs when there is an error with the processing of a transaction and there is no specific description associated to the error. |
Please try again and contact support@totalprocessing.com if the problem persists. Alternatively, you can change the payment method. |
|
800.100.160 |
Transaction declined (card blocked) |
The transaction has caused a red flag with the customer’s card issuer and the issuer has blocked the card from being used. For instance, if the customer is trying to set up a series of payments to a subscription service provider, the card issuer might block the transaction. This is to protect the consumer from repeat, unauthorised payments. |
The customer should use an alternate credit card or debit card, or contact their bank to unblock the card. |
|
100.396.101 |
Cancelled by user |
The customer has cancelled the transaction during the processing of the payment. |
Query with customer if they had intended to cancel the payment or if they are facing issues with attempting to pay for the transaction. |
|
100.390.112 |
Technical Error in 3D system |
This occurs when there is an error with the 3DSecure process at the bank. It could be that their 3DSecure system was down at the time. |
Please try again and contact support@totalprocessing.com if the problem persists. Alternatively, you can change the payment method. |
|
100.396.103 |
Previously pending transaction timed out |
The registration transaction was not authenticated and timed out. The debit references the registration token and hence this may also fail. |
Please try again and contact support@totalprocessing.com if the problem persists. Alternatively, you can change the payment method. |
Address Verification Service (AVS)
Address Verification Service (AVS) is a service provided by the payment brands that determines the match or partial match of the consumer's address information. The responses are returned to you during the authorization process via your transaction processing software/hardware, and can help determine your next action—approval, exception or decline.
| Response Code | Description |
| A | Address does match, zip code does not match |
| Z | Address does not match, zip code does match |
| N | Address and zip code do not match |
| U | Technical or logical error. AVS cannot be applied on card or address (not UK or US issuer), issuer is not available, etc. |
| F | Address and Postal Code Matches |
CVV Response Codes
The CVV Number ("Card Verification Value") on your credit card or debit card is a 3 digit number on VISA®, Mastercard® and Discover® branded credit and debit cards. On your American Express® branded credit or debit card it is a 4 digit numeric code. Your CVV number can be located by looking on your credit or debit card. Providing your CVV number to an online merchant proves that you actually have the physical credit or debit card - and helps to keep you safe while reducing fraud. CVV numbers are also known as CSC numbers("Card Security Code"), as well as CVV2 numbers, which are the same as CVV numbers, except that they have been generated by a 2nd generation process that makes them harder to "guess".
| Response Code | Code Name | Description |
| M | CVV2 Match | Indicates that the issuer was able to verify the CVV2 value provided by the merchant. |
| N | CVV2, CVC2, Discover CID or AMEX CID do not match | Indicates that the issuer was not able to verify the CVV2 value provided by the merchant. |
| P | Not Processed | Indicates that the issuer was unable to verify the CVV2 value provided by the merchant because either their verification system was not functioning, or not all of the information needed to verify the CVV2 value (such as the expiration date) was included in the request. |
| S | CVV2, CVC2, Discover CID or AMEX CID data is not present on the card, but the issuer indicated it should be present | Indicates that the issuer was unable to perform CVV2 verification, and notifies the merchant that the card should contain a CVV2 value. |
| U | Unsupported by issuer or issuer is unable to process request | Indicates that the issuer is not participating in the CVV2 service, or that the issue has not provided the card Brand with the required encryption keys needed to perform verification, or that STIP has responded with unavailable response. |
Currency Code Listing
ISO currency codes are the three-letter alphabetic codes that represent the various currencies used throughout the world. When combined in pairs, they make up the symbols and cross rates used in currency trading. Each of the country-specific three-letter alphabetic codes also have a corresponding three-digit numeric code. These codes are identified by the International Organization for Standardization (ISO), a non-governmental organisation that provides standards for manufacturing, commerce, technology, and communication.
| Currency code | Currency name | Country |
|---|---|---|
|
AFN |
Afghan Afghani |
Afghanistan |
|
DZD |
Algerian Dinar |
Algeria |
|
ARS |
Argentine Peso |
Argentina |
|
AMD |
Armenian Dram |
Armenia |
|
AWG |
Aruban Florin |
Aruba |
|
AUD |
Australian Dollar |
Australia |
|
AZN |
Azerbaijani Manat |
Azerbaijan |
|
BSD |
Bahamian Dollar |
Bahamas |
|
BHD |
Bahraini Dinar |
Bahrain |
|
THB |
Baht |
Thailand |
|
PAB |
Balboa |
Panama |
|
BBD |
Barbados Dollar |
Barbados |
|
BYN |
Belarusian Ruble |
Belarus |
|
BZD |
Belize Dollar |
Belize |
|
BMD |
Bermudian Dollar |
Bermuda |
|
VEF |
Bolivar Soberano |
Bolivar |
|
BOB |
Boliviano |
Bolivia |
|
BRL |
Brazilian Real |
Brazil |
|
BND |
Brunei Dollar |
Brunei |
|
BGN |
Bulgarian Lev |
Bulgaria |
|
BIF |
Burundi Franc |
Burundi |
|
CAD |
Canadian Dollar |
Canada |
|
CVE |
Cape Verde Escudo |
Cape Verde |
|
KYD |
Cayman Islands Dollar |
Cayman Islands |
|
GHS |
Cedi |
Ghana |
|
XOF |
CFA Franc BCEAO |
Benin, Burkina Faso, Guinea-Bissau, Ivory Coast, Mali, Niger, Senegal, Togo |
|
XAF |
CFA Franc BEAC |
Cameroon, Central African Republic, Chad, Republic of the Congo, Equatorial Guinea, Gabon |
|
XPF |
CFP Franc |
French Polynesia, New Caledonia, Wallis and Futuna |
|
CLP |
Chilean Peso |
Chile |
|
COP |
Colombian Peso |
Colombia |
|
KMF |
Comoro Franc |
Comoros |
|
CDF |
Congolese France |
Democratic Republic of the Congo |
|
BAM |
Convertible Marks |
Bosnia and Herzegovina |
|
NIO |
Cordoba Oro |
Nicaragua |
|
CRC |
Costa Rican Colon |
Costa Rica |
|
HRK |
Croatian Kuna |
Croatia |
|
CUP |
Cuban Peso |
Cuba |
|
CZK |
Czech Koruna |
Czech Republic |
|
GMD |
Dalasi |
Gambia |
|
DKK |
Danish Krone |
Denmark |
|
MKD |
Denar |
North Macedonia |
|
DJF |
Djibouti Franc |
Djibouti |
|
STD |
Dobra |
São Tomé and Príncipe |
|
DOP |
Dominican Peso |
Dominican Republic |
|
VND |
Dong |
Vietnam |
|
XCD |
East Caribbean Dollar |
East Caribbean |
|
EGP |
Egyptian Pound |
Egypt |
|
SVC |
El Salvador Colon |
El Salvador |
|
ETB |
Ethiopian Birr |
Ethiopia |
|
EUR |
Euro |
Eurozone |
|
FKP |
Falkland Islands Pound |
Falkland Islands |
|
FJD |
Fiji Dollar |
Fiji |
|
HUF |
Forint |
Hungary |
|
GIP |
Gibraltar Pound |
Gibraltar |
|
HTG |
Gourde |
Haiti |
|
PYG |
Guarani |
Paraguay |
|
GNF |
Guinea Franc |
Guinea |
|
GYD |
Guyana Dollar |
Guyana |
|
HKD |
Hong Kong Dollar |
Hong Kong |
|
UAH |
Hryvnia |
Ukraine |
|
ISK |
Iceland Krona |
Iceland |
|
INR |
Indian Rupee |
India |
|
IRR |
Iranian Rial |
Iran |
|
IQD |
Iraqi Dinar |
Iraq |
|
JMD |
Jamaican Dollar |
Jamaica |
|
JOD |
Jordanian Dinar |
Jordan |
|
KES |
Kenyan Shilling |
Kenya |
|
PGK |
Kina |
Papua New Guinea |
|
LAK |
Kip |
Laos |
|
EEK |
Kroon |
Estonia |
|
KWD |
Kuwaiti Dinar |
Kuwait |
|
MWK |
Kwacha |
Malawi |
|
AOA |
Kwanza |
Angola |
|
MMK |
Kyat |
Myanmar |
|
GEL |
Lari |
Georgia |
|
LVL |
Latvian Lats |
Latvia |
|
ALL |
Lek |
Albania |
|
HNL |
Lempira |
Honduras |
|
SLE |
Leone |
Sierra Leone |
|
LRD |
Liberian Dollar |
Liberia |
|
LYD |
Libyan Dinar |
Libya |
|
SZL |
Lilangeni |
Eswatini |
|
LTL |
Lithuanian Litas |
Lithuania |
|
LSL |
Loti |
Lesotho |
|
MGA |
Malagasy Ariary |
Madagascar |
|
MYR |
Malaysian Ringgit |
Malaysia |
|
TMT |
Manat |
Turkmenistan |
|
MUR |
Mauritius Rupee |
Mauritius |
|
MZN |
Metical |
Mozambique |
|
MXN |
Mexican Peso |
Mexico |
|
MDL |
Moldovan Leu |
Moldova |
|
MAD |
Moroccan Dirham |
Morocco |
|
NGN |
Naira |
Nigeria |
|
ERN |
Nakfa |
Eritrea |
|
NAD |
Namibia Dollar |
Namibia |
|
NPR |
Nepalese Rupee |
Nepal |
|
ANG |
Netherlands Antillean Guilder |
Curaçao and Sint Maarten |
|
ILS |
New Israeli Sheqel |
Israel |
|
RON |
New Ley |
Romania |
|
TWD |
New Taiwan Dollar |
Republic of China (Taiwan) |
|
NZD |
New Zealand Dollar |
New Zealand |
|
BTN |
Ngultrum |
Kingdom of Bhutan |
|
NOK |
Norwegian Krone |
Norway |
|
PEN |
Nuevo Sol |
Peru |
|
MRO |
Ouguiya |
Mauritania |
|
TOP |
Paanga |
Tonga |
|
PKR |
Pakistan Rupee |
Pakistan |
|
MOP |
Pataca |
Macau |
|
UYU |
Peso Uruguayo |
Uruguay |
|
PHP |
Philippine Peso |
Philippines |
|
GBP |
Pound Sterling |
United Kingdom, Jersey, Guernsey, the Isle of Man, South Georgia and the South Sandwich Islands, the British Antarctic Territory, Tristan da Cunha |
|
BWP |
Pula |
Botswana |
|
QAR |
Qatari Rial |
State of Qatar |
|
GTQ |
Quetzal |
Guatemala |
|
ZAR |
Rand |
South Africa |
|
OMR |
Rial Omani |
Oman |
|
KHR |
Riel |
Cambodia |
|
MVR |
Rufiyaa |
Maldives |
|
IDR |
Rupiah |
Indonesia |
|
RWF |
Rwanda Franc |
Rwanda |
|
SHP |
Saint Helena Pound |
Saint Helena and Ascension |
|
SAR |
Saudi Riyal |
Saudi Arabia |
|
RSD |
Serbian Dinar |
Serbia |
|
SCR |
Seychelles Rupee |
Seychelles |
|
SGD |
Singapore Dollar |
Singapore |
|
SBD |
Solomon Islands Dollar |
Solomon Islands |
|
KGS |
Som |
Kyrgyz Republic |
|
SOS |
Somali Shilling |
Somalia |
|
TJS |
Somoni |
Tajikistan |
|
LKR |
Sri Lanka Rupee |
Sri Lanka |
|
SDG |
Sudanese Pound |
Republic of the Sudan |
|
SRD |
Surinamese Dollar |
Suriname |
|
SEK |
Swedish Krona |
Sweden |
|
CHF |
Swiss Franc |
Switzerland and Liechtenstein |
|
SYP |
Syrian Pound |
Syria |
|
BDT |
Taka |
People's Republic of Bangladesh |
|
WST |
Tala |
Samoa |
|
TZS |
Tanzanian Shilling |
Tanzania |
|
KZT |
Tenge |
Kazakhstan |
|
TTD |
Trinidad and Tobago Dollar |
Trinidad and Tobago |
|
MNT |
Tugrik |
Mongolia |
|
TND |
Tunisian Dinar |
Tunisia |
|
TRY |
Turkish Lira |
Turkey |
|
AED |
UAE Dirham |
United Arab Emirates |
|
UGX |
Uganda Shilling |
Uganda |
|
CLF |
Unidad de Fomento |
Chile |
|
USD |
US Dollar |
United States |
|
UZS |
Uzbekistan Sum |
Uzbekistan |
|
VUV |
Vatu |
Vanuatu |
|
KRW |
Won |
South Korea |
|
YER |
Yemeni Rial |
Yemen |
|
JPY |
Yen |
Japan |
|
CNY |
Yuan Renminbi |
People's Republic of China |
|
ZMW |
Zambian Kwacha |
Zambia |
|
PLN |
Zloty |
Poland |
Merchant Advice Codes
Merchant Advice Codes (MasterCard), also known as Recurring Payment Cancellation (Visa) is used by acquirers to clearly communicate to merchants the reason for declining a MasterCard and Visa recurring payment transaction, and the actions merchants can take to continue to serve their recurring payment customers.
MasterCard aquirers use the Merchant Advice Code (MAC) in authorization request responses to communicate with merchants about a cardholder’s account. MasterCard will map these three Authorization Response Categories to one of four Merchant Advice Codes (MAC) depending on the underlying decline code.
MasterCard supports the use of Merchant Advice Codes for issuers to communicate clearly with the merchants:
- The reason for approving or declining a recurring payment transaction.
- The actions merchants can take to continue to serve their recurring payment customers.
Mastercard codes are as follows
- 02 - Try again later
- 03 - Do Not try again
- List item
- 04 - Token requirements not fulfilled for this token type.
- 21 - Payment canceled
- 22 - Merchant does not qualify for product code
VISA codes are as follows
- 02 - Cardholder only wishes to stop one specific payment in the recurring payment relationship.
- 03 - Cardholder has requested to stop all recurring payment transactions for a specific merchant.
- List item
- 21 - All recurring payments have been cancelled for the card number requested.