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Below is a list of typical credit card decline codes indicating that the customer should reach out to their bank for further details, as these issues can only be addressed by the card issuer:
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05 – Do Not Honor
The issuer has refused the transaction without specifying a reason. The customer should contact their bank for clarification. -
07 – Pick Up Card (Special Condition)
The card has been flagged as lost or stolen. The customer must get in touch with their bank immediately. -
12 – Invalid Transaction
The payment was declined due to an invalid input or misuse of the card. The customer’s bank can explain the specific problem. -
41 – Lost Card, Pick Up (Fraudulent)
The card has been reported lost and is no longer valid. The customer needs to contact their bank to resolve this. -
43 – Stolen Card, Pick Up (Fraudulent)
The card has been reported stolen. The customer should reach out to their bank to address the issue. -
51 – Insufficient Funds
The account lacks the necessary balance to complete the purchase. The customer may need to add funds or discuss options with their bank. -
54 – Expired Card
The card is no longer valid because it has expired. The customer should contact their bank to request a replacement. -
57 – Transaction Not Permitted to Cardholder
The issuer has restricted this type of transaction for the card. The customer needs to contact their bank for more information. -
62 – Restricted Card
The card is limited, possibly to certain regions or merchants. The customer should call their bank to obtain details on the restriction. -
65 – Activity Limit Exceeded
The card has reached its daily transaction limit. The customer can contact their bank to see if the limit can be increased or discuss alternative payment methods. -
91 – Issuer or Switch Inoperative
There is a temporary issue with the card issuer or payment network. The customer’s bank can provide more information about the outage or failure. -
93 – Transaction Cannot Be Completed, Violation of Law
A legal or regulatory restriction is blocking the transaction. The customer should contact their bank for an explanation. -
N7 – Decline for CVV2 Failure
The transaction was declined because the CVV did not match or another security check failed. The customer may need to verify their card details with the bank. -
R0 or R1 – Stop Payment Order
The customer’s bank has blocked the transaction at the customer’s request. The customer should confirm this with their bank.
If you encounter any other decline codes or reasons, please submit a ticket so we can investigate further.