Card Payment Error Codes

Bank/Network Error Codes

Code	Title	Message	Action
01	Refer to Issuer	Your transaction has been declined.	Call the phone number on the back of your credit card to speak with your bank.
02	Refer to Issuer, Special Condition	This transaction requires special authorization.	Call your bank using the phone number on the back of your credit card.
03	Invalid Gateway	Technical issue at your bank. Try again later.	Due to a technical issue at your bank, this transaction was declined.
04	Pickup Card	Your card has been reported lost or stolen.	Call your bank to report the issue and request a replacement card.
05	Do Not Honor	Sorry, your card cannot be authorized at this time.	Call your bank to inquire about the reason for the decline.
06	Error	Your transaction has been declined.	Retry the transaction, and if the issue persists, contact your bank.
07	Pick Up Card, Special Condition	Your card has been reported as lost or stolen, and special conditions apply.	Call your bank to report the issue.
10	Partial Approval	Your transaction has been partially approved.	Use an alternative payment method for the remaining balance.
12	Invalid Transaction	The transaction is invalid.	Review the transaction details and try again.
13	Invalid Amount	The transaction amount is invalid.	Verify the transaction amount and try again.
14	Invalid Card Number	The card number entered is invalid.	Verify and re-enter the card number.
15	No Such Issuer	The card issuer is not recognized.	Call your bank to ensure your card information is correct.
19	Re-enter Last Transaction	Please re-enter your last transaction.	Retry the transaction.
25	Unable to Locate Record	Unable to locate the record.	Double-check your card details and try again.
28	File is Temporarily Unavailable	The file necessary for processing is temporarily unavailable.	Wait and try again later.
41	Lost Card, Pick Up	Your card has been reported as lost.	Call your bank immediately.
43	Stolen Card, Pick Up	Your card has been reported as stolen.	Call your bank immediately.
46	Account Closed	This account is closed.	Call your bank to inquire.
51	Insufficient Funds	There are not enough funds in your account.	Check your balance or use a different payment method.
54	Expired Card	Your card has expired.	Use a valid card.
57	Transaction Not Permitted to Cardholder	This type of transaction is not permitted on your card.	Call your bank to verify restrictions.
58	Transaction Not Permitted to Cardholder	This type of transaction is not permitted on your card.	Call your bank to verify restrictions.
59	Suspected Fraud	The transaction is suspected of fraud.	Contact your bank to confirm legitimacy.
61	Exceeds Withdrawal Limit	The transaction exceeds the withdrawal limit.	Choose a different payment method or contact your bank.
62	Card Not Activated	Card not activated yet.	Call the number on the card to activate it.
63	Security Violation	The transaction has been declined due to a security violation.	Contact your bank.
65	Decline Activity Limit Exceeded	Transaction declined due to activity limits being exceeded.	Reach out to your bank.
72	Account Not Yet Activated	This account has not been activated yet.	Contact your bank to activate your card.
78	Blocked Account	Your account has been blocked.	Call your bank.
82	CVV Mismatch	The CVV provided does not match.	Double-check the CVV on the back of your card.
83	Fraud/Security	Decline due to fraud/security suspicion.	Retry your purchase or contact your bank.
91	Issuer or Switch is Inoperative	The card issuer or switch is temporarily inoperative.	Try again later.
93	Violation, Cannot Complete	The transaction cannot be completed due to a violation.	Contact your bank.
96	System Malfunction	There is a system malfunction.	Try again later.
97	CVV Mismatch	The CVV provided does not match.	Double-check the CVV.
99	Invalid Input	The information you entered was invalid.	Check the credit card number, CVV, and expiration date.
103	Fraud Suspicion	The transaction is suspected of fraud.	Contact your bank.
N7	CVV Mismatch	The CVV provided does not match.	Double-check the CVV.
9G	Transaction Frequency Limit Exceeded	Too many transactions attempted in a short period.	Wait a few minutes before retrying.
100	Visa 30 Day Failure Limit	This Visa card has reached its 30 day failure limit.	Try a different card or payment method.
870	3DS Verification Failed	Card has failed 3DS recently.	Try a different card or wait before retrying.
871	Payment Method Blocked	Payment method is blocked.	Use a different card or payment method.
872	Payment Method in Use	Payment method is associated with another account.	Use a different card or payment method.
873	Name Verification Failed	Name on card does not match.	Ensure the name on the card matches account information.
874	Daily Purchase Limit Reached	Customer has reached daily purchase limit.	Try again tomorrow or contact support.
886	Country Not Supported	Cards issued in your country are not supported.	Try a different card.
887	Apple Pay/Google Pay Not Available	Apple Pay/Google Pay is currently not available.	Enter your card details manually.
888	Address Verification Failure	Address does not match card’s billing address.	Enter the card’s billing address and try again.
889	Card Brand Not Supported	Card brand is not supported.	Use a different card brand.
997	User Failed 3DS Challenge	Failed challenge.	Retry the purchase or try a different card.
998	3DS Rejected	Your bank rejected the request.	Contact your bank support.
999	Failed Chargeback Protection Checks	Your purchase was declined, and no charges were made.	Pending transactions will disappear within 24 hours.