Integration Guide

    Card Decline Codes

    Portal decline reason codes returned to support teams, with plain-language meaning.

    This page lists the decline codes shown in the support portal with a plain-language description, followed by the internal processor reason codes each one maps from.

    This is the support-portal display layer. It is distinct from the activity-webhook status_reason (see Card Transactions) and the external-authorization decline_reason your system returns (see External Authorization). The same situation can surface differently across these layers.

    Display Codes

    Display CodeDescription
    InvalidMerchantThe merchant is not supported.
    FraudSuspected fraud detected, or the card has been compromised or reported stolen.
    ErrorA technical error occurred during transaction processing.
    GeneralTransactionDeclineGeneric decline — please try again.
    CustomerCancellationAndReversalThe transaction was cancelled or a reversal was initiated.
    FormatErrorA formatting error occurred in the request or message.
    FunctionNotSupportedThe requested operation or functionality is not supported.
    InsufficientFundsInsufficient funds available on the account.
    ExpiredCardThe card's expiry date has passed.
    InvalidPinThe PIN entered was incorrect.
    TransactionNotPermittedToCardholderThe transaction is not permitted for this card or user.
    DeclinedExternalAuthorizationThe transaction was declined on the acquirer or terminal side.
    CashWithdrawalAmountIsExceededThe withdrawal amount limit has been exceeded.
    BlockedCardThe card is blocked or restricted from use.
    CashWithdrawalCountIsExceededThe maximum number of withdrawals has been exceeded.
    ExpiredResponseTimeOnExternalAuthorizationThe response from an external system was received too late, or the request timed out.
    AllowedNumberOfPINTriesIsExceededThe maximum number of PIN attempts has been exceeded (4 total). The card is now blocked.
    TimeOutIssuerThe issuer service did not respond within the allotted time (service timeout).
    PinValidationNotPossibleOrInvalidPvrOrZpkOrOffsetOrPvvPIN validation could not be completed due to validation or key errors.
    InvalidCVV2OrCIDOrExpiryDateThe CVV/CVC code or card expiry date is incorrect.
    UnableToRouteTransactionThe transaction could not be routed.
    TransactionCannotBeCompletedThe transaction could not be completed due to technical restrictions.
    DuplicatedTransactionA duplicate transaction was detected.
    InvalidCurrencyThe currency is not supported or is invalid.
    BadAVSAddress Verification Service (AVS) check failed.
    CardNotActiveThe card is not active or has been closed.
    CardTechnologyMismatchThe card technology does not match the usage method.
    DeclinedAccountVerificationAccount verification was declined.
    DoNotHonorThe transaction was declined without a stated reason.

    Internal Reason Code Mapping

    Each display code maps from one or more internal processor reason codes:

    • InvalidMerchant — InvalidMerchant
    • Fraud — LostOrStolenCard, PickUpCardSpecialCondition, ExpiredCardPickUp, SuspectFraud, SuspectedFraud, LostCardNotCaptured, StolenCardPickUp, DeclineErrorInDecryptionOfPinBlockOrSecurityViolation
    • Error — Error, ReferToCardIssuerSystemError
    • GeneralTransactionDecline — HonorWithIdentification, CryptogramDecline, GeneralCardDecline
    • CustomerCancellationAndReversal — CustomerCancellationOrReversal
    • FormatError — FormatError
    • FunctionNotSupported — BankNotSupportedBySwitchFutureUse, NoCreditAccountFutureUse, RequestedFunctionNotSupported, NoCheckingAccountFutureUse, NoSavingsAccountFutureUse, InvalidOrNonexistentToAccountSpecifiedFutureUse, InvalidOrNonexistentFromAccountSpecifiedFutureUse, InvalidOrNonexistentAccountSpecifiedGeneralFutureUse, KeyExchangeValidationFailed, SystemNotAvailableFutureUse
    • InsufficientFunds — InsufficientFunds
    • ExpiredCard — ExpiredCard, StatusInquiryOrAccountVerificationDeclinedDueToInvalidCardExpiry
    • InvalidPin — InvalidPin, BadPinInvalidPinBlockLength
    • TransactionNotPermittedToCardholder — TransactionNotPermittedToCardholder, AtcValidationFailed
    • DeclinedExternalAuthorization — TransactionNotPermittedToAcquirerOrTerminal
    • CashWithdrawalAmountIsExceeded — ExceedWithdrawalAmountLimit
    • BlockedCard — RestrictedCard
    • CashWithdrawalCountIsExceeded — ExceedsWithdrawalFrequencyLimit
    • ExpiredResponseTimeOnExternalAuthorization — ResponseReceivedLate, AuthHostTimedOut
    • AllowedNumberOfPINTriesIsExceeded — AllowedNumberOfPinTriesExceeded
    • TimeOutIssuer — TimeOutIssuer
    • PinValidationNotPossibleOrInvalidPvrOrZpkOrOffsetOrPvv — PinValidationNotPossibleOrInvalidPvrOrZpkOrOffsetOrPvv
    • InvalidCVV2OrCIDOrExpiryDate — InvalidTransactionCvc1OrCvv2OrCidOrICvvFormatError, BadCvc1OrICvvOrExpiryDate, BadCvv2OrCidOrExpiryDate, GeneralCvv2Decline
    • UnableToRouteTransaction — UnableToRouteTransaction
    • TransactionCannotBeCompleted — TransactionCannotBeCompleted
    • DuplicatedTransaction — DuplicateTransaction
    • InvalidCurrency — InvalidCurrency
    • BadAVS — GeneralAvsDecline, BadAvs
    • CardNotActive — CardIsPreActive, InactiveCard, CardClosed
    • CardTechnologyMismatch — CardTechnologyMismatch
    • DeclinedAccountVerification — DeclinedAccountVerification
    • DoNotHonor — DoNotHonor

    If a reason is unclear, contact your dedicated support contact.

    Updated 17 days ago

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