Credit or debit decline code 93 appears when the customer's card-issuing bank cannot complete the transaction. Decline code 93 means “Violation, Cannot Complete.” Payment declined reason 93 means the issuer needs the customer to contact their bank for further information on the issue.
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.
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.
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.
The customer's card issuer has declined the transaction as this transaction appears to be a duplicate transmission.
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.
Having a credit card declined can be embarrassing and inconvenient, but it won't affect your credit score. However, some issues that could cause a credit card to be declined, like late payments and high balances, do affect your credit. You can reduce the chances that you'll encounter this by: Paying balances on time.
Is it bad if your credit card is declined? Getting your credit card declined is bad if you don't have any other means to complete your purchase. But getting declined isn't always your fault. Sometimes it's because of the place you're buying from or even the credit card issuer.
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.
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.
The error code 96: System Error response indicates that the customer's card issuer is having a hard time processing the payment. This normally means the card issuer is having a system malfunction that is causing the transaction attempt to fail.
Visa chargeback reason code 85 falls under the “Consumer Disputes” category. The shorthand description is “Credit Not Processed.” This reason code indicates the cardholder had reason to believe they were going to receive a refund, but no credit to their account has been processed.
The customer's card issuer does not recognise the transaction details being entered. This is due to a format error. The customer should check the transaction information and try processing the transaction again.
A fairly generic response that many issuing banks will send back when declining a transaction. The transaction may be declined due to a high level of recent activity on a card, a lack of matching AVS information, the card is over its limit or a range of other reasons known only to your bank.
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.
How long does refused credit stay on file? Two years. All enquiries for credit are removed from credit reports after two years, although credit rating agencies do not record whether an application for credit is refused or accepted.
Overseas transactions using Credit Cards may be declined for reasons such as, Not informing the bank / Card Company - Before using your card overseas, you must inform your Bank / card company This can be easily done through NetBanking or Mobile Banking.
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.
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 application for any visa in Australia requires a substantial number of supporting documents and applicants often mistakenly provide insufficient information in their application. This is the leading reason why visa applications get rejected. Each visa application requires different types of supporting documents.
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.