> For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://docs.coinflow.cash/guides/checkout/implementation-overview/errors/card-payment-error-codes/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.coinflow.cash/_mcp/server. ## Card Payment Error Codes ### HTTP Response When a card payment is declined due to an issuer rejection, the checkout API returns an HTTP `400` response. This is an expected response code indicating that the payment was not approved. The response body contains the following fields: | Field | Type | Description | | ------------ | ------- | ----------------------------------------------------------- | | `msg` | string | A short description of the decline reason. | | `protection` | boolean | Whether chargeback protection applies to this transaction. | | `paymentId` | string | The unique identifier for the payment attempt. | | `code` | string | The issuer decline code (see table below). | | `title` | string | A short title describing the decline reason. | | `message` | string | A detailed message explaining the decline. | | `action` | string | A recommended action for the customer to resolve the issue. | | `debugId` | string | A unique identifier for debugging purposes. | #### Example Response ```json { "msg": "The transaction is suspected of fraud.", "protection": false, "paymentId": "d19f82b2-214e-49cc-9f9b-07398c91cda9", "code": "59", "title": "Suspected Fraud", "message": "The transaction is suspected of fraud.", "action": "Contact your bank to confirm the legitimacy of the transaction and request approval.", "debugId": "9d3698c43eda078c793c65b50fd05c90" } ``` ### 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 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. | | 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. | | 75 | PIN Tries Exceeded | The allowable number of PIN entry attempts has been exceeded. | Contact your bank to reset your PIN, or use a different payment method. | | 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. | | 79 | Transaction Already Reversed | This transaction has already been reversed by the network. | Check your account to confirm whether the transaction was processed, or contact your bank for assistance. | | 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/security 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. | | 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. | | 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. | | 99 | Invalid Input | The information you entered was invalid. | Please check the credit card number, CVV, and expiration date and resubmit. | | 100 | 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. | | 101 | 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. | | 102 | Suspected Fraud | The transaction is suspected of fraud. | Contact your bank to confirm the legitimacy of the transaction and request approval. | | 104 | 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. | | 119 | 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. | | 129 | Suspected Fraud | The transaction is suspected of fraud. | Contact your bank to confirm the legitimacy of the transaction and request approval. | | 163 | 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. | | 182 | 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. | | 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. | | 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. | | 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. | | 6P | Verification Data Failed | The verification data provided for this transaction failed issuer checks. | Verify your card details and try again, or contact your bank for assistance. | | 103 | Fraud Suspicion | The transaction is suspected of fraud. | Contact your bank to confirm the legitimacy of the transaction and request approval. | | 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. | | 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. | | 879 | Unsupported Country | The card BIN indicates it was issued in an unsupported country. | Please use a card issued from a different country. | | 880 | Debit Card Required | Only debit cards are accepted. | Please use a debit card instead of a credit or prepaid 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. | | 997 | User Failed 3DS Challenge | Failed Challenge | Please retry the purchase or try a different card. | | 998 | 3DS Rejected | Your Bank Rejected the Request | Please contact your bank support to resolve the issue. | | 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. | ### Processor-Specific Response Codes These codes are unique to specific card processors and are not part of the standard bank/network code set above. | Code | Title | Message | Action | | ---- | ------------------------------ | ---------------------------------------------------------- | --------------------------------------------------------------------------------------- | | 222 | No Card Number on File | No card number on file with the issuer. | Please contact your bank for assistance. | | 224 | Invalid Expiration Date | The expiration date entered is invalid. | Please verify the expiration date on your card and try again. | | 226 | Invalid PIN | The PIN entered is incorrect. | Please verify your PIN and try again. | | 261 | Decline - Further Instructions | Transaction declined. Further action required. | Please contact your bank for specific instructions. | | 262 | Decline - Stop Recurring | Recurring payments have been stopped on this card. | Contact your bank if you wish to re-enable recurring payments, or use a different card. | | 263 | Decline - Stop All Recurring | All recurring payments have been stopped on this card. | Please contact your bank or use a different payment method. | | 264 | Decline - Retry Later | Transaction declined. Please try again later. | Wait a few minutes and retry, or contact your bank for assistance. | | 410 | Invalid Merchant Configuration | There is an issue with the merchant account configuration. | Please contact support for assistance. | | 411 | Merchant Account Inactive | The merchant account is currently inactive. | Please contact support for assistance. | | 430 | Duplicate Transaction | This appears to be a duplicate transaction. | Please check your account to see if the transaction already went through. | | 440 | Format Error | There was a format error in the transaction data. | Please verify your payment information and try again. |