| 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 and inquire about the decline. |
| 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 to discuss the specific details of this transaction. |
| 03 | Invalid Gateway | Technical issue at your bank. Try again later. | Due to a technical issue at your bank, this transaction was declined. Please try again later. |
| 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 and seek guidance on resolving the issue. |
| 06 | Error | Your transaction has been declined. | Retry the transaction, and if the issue persists, contact your bank for further assistance. |
| 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 and discuss the special conditions for resolution. |
| 10 | Partial Approval | Your transaction has been partially approved. Please use another payment method for the remaining amount. | Use an alternative payment method for the remaining balance of your purchase. |
| 12 | Invalid Transaction | The transaction is invalid. | Review the transaction details and try again. If the problem persists, contact your bank for support. |
| 13 | Invalid Amount | The transaction amount is invalid. | Verify the transaction amount and try again. If the issue persists, contact your bank for clarification. |
| 14 | Invalid Card Number | The card number entered is invalid. | Verify and re-enter the card number. If the problem persists, contact your bank for guidance. |
| 15 | No Such Issuer | The card issuer is not recognized. | Call your bank to ensure that your card information is correct and that there are no issues with your account. |
| 19 | Re-enter Last Transaction | Please re-enter your last transaction. | Retry the transaction. If the problem continues, reach out to your bank for further guidance. |
| 25 | Unable to Locate Record | Unable to locate the record. Please verify your card details or contact your card issuer for assistance. | Double-check your card details and try again. If the issue persists, contact your bank for support. |
| 28 | File is Temporarily Unavailable | The file necessary for processing is temporarily unavailable. Please try again later or contact your card issuer. | Wait for some time and try the transaction again. If the problem persists, contact your bank for assistance. |
| 33 | Expired Card | Your card has expired. Please use a valid card for this transaction. | Check the expiration date on your card and use a valid card for the transaction. |
| 41 | Lost Card, Pick Up | Your card has been reported as lost. Please contact your bank to resolve the issue. | Call your bank immediately to report the lost card and request a replacement. |
| 43 | Stolen Card, Pick Up | Your card has been reported as stolen. Please contact your bank to resolve the issue. | Call your bank immediately to report the stolen card and request a replacement. |
| 46 | Account Closed | This Account is Closed. Please contact your bank for assistance. | Call your bank to inquire about why your accout with them is no longer active. |
| 51 | Insufficient Funds | There are not enough funds in your account to complete this transaction. | Check your account balance and, if necessary, add funds to your account. Alternatively, use a different payment method. |
| 54 | Expired Card | Your card has expired. Please use a valid card for this transaction. | Check the expiration date on your card and use a valid card for the transaction. |
| 5C | Transaction Not Supported | This transaction type is not supported or has been blocked by your card issuer. | Call your bank to verify whether this type of transaction is supported on your card. |
| 57 | Transaction Not Permitted to Cardholder | This type of transaction is not permitted on your card. | Call your bank to verify the restrictions on your card and seek guidance on how to proceed. |
| 58 | Transaction Not Permitted to Cardholder | This type of transaction is not permitted on your card. | Call your bank to verify the restrictions on your card and seek guidance on how to proceed. |
| 59 | Suspected Fraud | The transaction is suspected of fraud. | Contact your bank to confirm the legitimacy of the transaction and request approval. |
| 61 | Exceeds Withdrawal Limit | The transaction exceeds the withdrawal limit on your account. | Please choose a different payment method or contact your bank for a limit increase. |
| 62 | Card not activated | Card not activated yet | This is the first use of a new card which you have not activated yet. Please call the number on the card to activate your card. |
| 63 | Security Violation | The transaction has been declined due to a security violation. Please contact your card issuer for resolution. | Contact your bank to discuss the security violation and seek guidance on how to resolve the issue. |
| 65 | Decline Activity Limit Exceeded | Transaction declined due to activity limits being exceeded. For security reasons, please contact your card issuer. | Reach out to your bank to discuss the decline and verify if there are any activity limits in place on your account. |
| 70 | Contact Card Issuer | Your card issuer needs to speak with you before this transaction can be approved. | Call your bank using the phone number on the back of your card to resolve the issue, then try again. |
| 72 | Account Not Yet Activated | This account has not been activated yet. | Contact your bank to activate your card before attempting to use it for transactions. |
| 78 | Blocked Account | Your account has been blocked. Please contact your card issuer for assistance. | Call your bank to inquire about the account block and seek guidance on how to resolve the issue. |
| 82 | CVV Mismatch | The CVV provided does not match. | Double-check the CVV (Card Verification Value) on the back of your card and ensure it matches the one provided during the transaction. |
| 83 | Fraud/Security | Decline due to fraud/secuirty suspicion. | Please retry your purchase, or contact your bank for assistance. |
| 88 | System Malfunction | There is a system malfunction. Please try again later or contact your card issuer for assistance. | Wait for some time and try the transaction again. If the problem persists, contact your bank for support. |
| 91 | Issuer or Switch is Inoperative | The card issuer or switch is temporarily inoperative. Please try again later or contact your card issuer for assistance. | Wait for some time and try the transaction again. If the problem persists, contact your bank for support. |
| 93 | Violation, Cannot Complete | The transaction cannot be completed due to a violation. Please contact your card issuer for assistance. | Contact your bank to discuss the violation and seek guidance on how to complete the transaction. |
| 97 | CVV Mismatch | The CVV provided does not match. | Double-check the CVV (Card Verification Value) on the back of your card and ensure it matches the one provided during the transaction. |
| 96 | System Malfunction | There is a system malfunction. Please try again later or contact your card issuer for assistance. | Wait for some time and try the transaction again. If the problem persists, contact your bank for support. |
| 99 | Invalid Input | The information you entered was invalid. | Please check the credit card number, CVV, and expiration date and resubmit. |
| 340 | Card is locked | Your card is locked or restricted by you or your bank. | Unlock the card in your banking app, or call your bank to lift the restriction. Then try again. |
| 103 | Fraud Suspicion | The transaction is suspected of fraud. | Contact your bank to confirm the legitimacy of the transaction and request approval. |
| 999 | Failed Chargeback Protection Checks | Your purchase was declined, and no charges were made. | Any pending transactions will disappear from your bank statement within 24 hours. |
| N7 | CVV Mismatch | The CVV provided does not match. | Double-check the CVV (Card Verification Value) on the back of your card and ensure it matches the one provided during the transaction. |
| 998 | 3DS Rejected | Your Bank Rejected the Request | Please contact your bank support to resolve the issue. |
| 997 | User Failed 3DS Challenge | Failed Challenge | Please retry the purchase or try a different card. |
| 886 | Country not supported | Cards issued in your country are not supported. | Please try a different card. |
| 887 | Apple Pay/Google Pay is currently not available. Please enter your card details manually | Apple Pay/Google Pay is currently not available. Please enter your card details manually | Please enter your card details manually |
| 888 | Address Verification Failure | Address does not match cards billing address | Please enter the cards billing address and try again |
| 889 | Card Brand Not Supported | Card Brand is not supported | Please use a different card brand and try again. |
| 9G | Transaction Frequency Limit Exceeded | Too many transactions attempted in a short period. | Please wait a few minutes before attempting another transaction, or contact your bank for assistance. |
| 870 | 3DS Verification Failed | Card has failed 3DS recently | Please try a different card or wait a few minutes before retrying. If the issue persists, contact your bank. |
| 871 | Payment Method Blocked | Payment method is blocked | This payment method cannot be used. Please use a different card or payment method. |
| 872 | Payment Method in Use | Payment method is associated with another account | This payment method cannot be used. It is associated with another account. Please use a different card or payment method. |
| 873 | Name Verification Failed | Name on card does not match | Please ensure the name on your card matches your account information exactly. |
| 874 | Daily Purchase Limit Reached | Customer has reached daily purchase limit | You have reached the daily purchase limit. Please try again tomorrow or contact support for assistance. |
| 875 | Unsupported Country | This card cannot be used. | Please use a card issued from a different country |
| 876 | Unsupported State | Billing address indicates this transaction is from an unsupported state. | Transaction not allowed. |
| 877 | Unsupported State By IP | Geolocation indicates this transaction is from an unsupported state. | Transaction not allowed. |
| 878 | Unsupported Location | Browser-reported location indicates this transaction is from an unsupported region. | Transaction not allowed. |
