115. Approved Fraud Service Unavailable. 120. Approved - New Account Number.
116: Transaction rejected by fraud provider. 117: Transaction challenged by fraud provider. 118: Transaction rejected by merchant.
Unlike error codes, decline codes typically indicate that you can't process a payment. This might be due to insufficient funds, blocked transactions, expired card details, or many other reasons. Typically, decline codes refer to an issue on the cardholder's end rather than the merchant's.
Decline code 116 means that there not enough money in your bank account to complete the transaction. You need to deposit money to continue with transaction.
Your card may be declined for a number of reasons: the card has expired; you're over your credit limit; the card issuer sees suspicious activity that could be a sign of fraud; or a hotel, rental car company, or other business placed a block (or hold) on your card for its estimated total of your bill.
There are a number of issues that could result in a debit card decline. For starters, you could be mistaken about your balance, or you may have reached your daily limit for withdrawals. The bank may feel the transaction is suspicious, based on your purchase history. Technical issues may also be to blame.
161 – Decline For Address Verification System (AVS)
The transaction was declined due to the AVS requirements.
Error: Code 121: Your account has exceeded the limit.
Receiving error code 15 tells you the card number was entered incorrectly. To be more specific, it means the first number is incorrect. Each major credit card provider has its own number that every card they issue must start with.
Resolution: 1. Inspect for jammed currency at the Diverter.
The card issuer (your customer's bank) could not be contacted, or did not respond in time. The credit card transaction has not been processed. You can retry the transaction after waiting for 15 minutes.
The [51] Decline code error means that there are insufficient funds on your credit card to process the payment. To fix this issue, submit your payment using a different credit card or call your credit card issuer (the phone number is usually on the back of your card).
What causes code 11.1 chargebacks? While code 11.1 chargebacks are technically caused by a card being listed on Visa's card recovery bulletin, the true root cause of the chargeback is that the merchant failed to process an authorization request for the transaction.
What does that mean? A transaction with an identical amount and credit card information was submitted, which means that you tried to charge the same transaction twice. We suggest that you contact the card issuing bank for more information.
The [14] Card No.
error code means that the credit card number was entered incorrectly. To fix this issue, re-submit your credit card or use a different credit card. For more information about common error codes, see the article: Resolving issues when your credit card fails.
You're trying to issue a credit for an amount greater than the original transaction amount.
101. Generally insufficient funds or incorrect card data supplied, for example, expiry date or security code.
The customer's card issuer cannot be found for routing. This response code is often returned when the customer is using a test credit card number. The customer should attempt to process this transaction again.
1012. DECLINED. Declined. The card status is lost or stolen.
Merchants who receive a chargeback for a transaction placed with a Visa card may encounter reason code 93, which indicates an improperly authorized transaction that the cardholder does not believe they should be responsible for paying.
First Data Bank Response Codes
All returned bank response codes other than '100' indicate that a transaction did not succeed for some reason. Note: Response Reason Code '109' indicates the transaction previously succeeded.
Fraudsters can get ahold of your card details in a few different ways—one of them being through an ATM card skimming device. Nefarious parties can also gain access to old bank statements or debit cards, or direct you to make a payment on a fraudulent website that collects your details.
If you have questions about why your debit card was declined, the best thing to do is call your institution directly. In most situations, a customer service representative can help you reset your PIN, unfreeze your account, verify a purchase, increase your withdrawal limits and more.
You can still receive deposits into frozen bank accounts, but withdrawals and transfers are not permitted. Banks may freeze bank accounts if they suspect illegal activity such as money laundering, terrorist financing, or writing bad checks.