101. Declined by Bank. Generally insufficient funds or incorrect card data supplied, for example, expiry date or security code.
A decline code is typically a two-digit, alphanumeric error code that indicates why a card transaction has been declined. While the code can originate from a number of sources, it often comes from the issuing bank, payment processor, or credit networks. Businesses won't always see the exact code.
While there are dozens of different card decline codes currently active, the most commonly used codes are as follows: 05 (Do not honor), 14 (Invalid card number), 41 (Lost card, pick up), 43 (Stolen card, pick up), 51(Insufficient funds), 54 (Expired card), 61 (Exceeds issuer withdrawal limit), 65 (Activity limit ...
You can receive this error for the following reasons: Account information is incomplete or incorrect at the processor. The card type being used isn't set up with the processor. Your merchant bank has blocked your account.
A 01 code means that there's a problem related to the issuing bank or account. It could indicate suspected fraud, insufficient funds, or expired card details. Rather than an issue with the account itself, this means there's a problem from the merchant's end.
03 – Invalid merchant: This code arises if the payment information is entered incorrectly or if your merchant account or credit card terminal isn't configured properly. Try running the sale again — or contacting your payment processor directly.
03 Invalid Merchant Number – this error code indicates that the entered credit card information is incorrect. Another reason why you will receive this error is possibly because the merchant facility is non-functional.
05 / Do not honor: The customer's bank won't let this payment go through. To resolve the problem, ask the customer to contact their bank and then try again. 14 / Invalid card number: There might be a typo somewhere. Check the credit card number carefully and enter it again.
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.
This reason code indicates one or more fields in the request contains invalid or missing data.
500. Declined by Issuer – Card expired.
A bank response code is another name for a credit card authorization code, a two-digit numeric code which indicates whether the transaction was approved or declined. If the transaction is declined, the response code provides some basic information about why. Thanks for following the Chargeback Gurus blog.
Visa chargeback reason code 90 falls under the “Consumer Disputes” category. The shorthand description is “Non-Receipt of Cash or Load Transaction Value at ATM.” This code means the cardholder claims that they made a cash withdrawal at an ATM and didn't receive the correct amount.
This typically means the card has been reported lost or stolen, or the account associated with the card has been closed. The card issuer may want the card taken out of circulation, which you may do if the situation is safe.
105: Credit Error.
Please make sure you have not already credited this transaction, or that this transaction ID is for a creditable transaction.
Code 97 - Invalid CVV
The card security code entered doesn't match the number on file with the issuing bank. Verify the credit card information before you try again. Ask for an alternative form of payment.
Skimming — Skimming is when criminals install illegal devices at ATMs, gas pumps and other point-of-sale terminals that record debit card numbers and PINs. Spoofing and phishing — These are practices where thieves imitate a trusted source, such as a family member or company, with fake emails or websites.
Thieves can obtain your card number, expiry date, and security code using different techniques. They can use skimming devices placed on ATMs or point-of-sale payment terminals or phishing scams where they trick you into revealing your card details or hacking into databases that store card information.
When your card is blocked, you cannot make online payments as it will get declined. Also, the card will not be read by the card reader at the ATM or it will not accept the PIN or decline the transaction again. You can confirm if the card is blocked by calling customer care service or at the bank branch.
Do not Honor (05) is the most common and general message for card transactions that are declined by the Bank. It indicates that the Issuing Bank will not validate the transaction. It is caused by many factors such as mistyping, insufficient funds, etc.
Response Code 99 indicates that the payment gateway could not authenticate the transaction fingerprint submitted for a Server Integration Method (SIM) transaction.
Description. The request was rejected because of technical reasons. In most cases, this is caused by invalid input data.
07 – Pick up card, special condition (fraud account)
The issuing bank (Visa, Mastercard, etc.) prevented the transaction because it has flagged this account as fraudulent. If it's for a one-time transaction, do not run the card again, and don't provide any more goods or services for the cardholder.
Error Code 19 is one of the most common error codes in the payment processing industry. When you see this code, it means you need to re-enter the data. You might call error code 19 a mystery code, as the credit card terminal is telling you it does not understand or know why the transaction has failed.
The customer's card issuer is unable to be contacted to authorise the transaction. The customer should attempt to process this transaction again. If the problem persists, there may be an issue with the card issuing bank, and the cardholder should contact their bank.