116: Transaction rejected by fraud provider. 117: Transaction challenged by fraud provider. 118: Transaction rejected by merchant.
116. CONTACT CARD ISSUER. 2. Insufficient funds. Ask for another form of payment.
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 ...
Merchant ID not found on Bank's System. Card Issuer has declined the transaction and requested the card be retained. The bank that issued this card to your customer has imposed some special conditions on the card or the use of the card. This could also indicate that the use of the card has been temporarily suspended.
91 – Issuer Unavailable, voucher required.
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.
This error is returned when the cardholder does not have enough credit to pay the specified amount. Ask the cardholder if they have another card to use for the payment.
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.
If you receive an error code while trying to complete an EFTPOS transaction on your merchant terminal, it means there's been a problem while processing the payment.
161 – Decline For Address Verification System (AVS)
The transaction was declined due to the AVS requirements.
Service denied because payment already made for same/similar procedure within set time frame.
R0 or R1 / Customer requested stop of specific recurring payment: If you get this error code, it means the customer has told their card issuer not to allow recurring payments from you. You should stop the recurring payment schedule immediately to avoid chargebacks.
116: Transaction rejected by fraud provider. 117: Transaction challenged by fraud provider. 118: Transaction rejected by merchant.
The printer does not have a magnetic stripe option. The card will be canceled. Remove magnetic stripe data from the card or use a printer that has a magnetic stripe option installed.
In any case, you should contact your issuer as soon as you realize (or suspect) that your card is flagged for fraud. The credit card company will likely deactivate the card and send you a new one. You may have to dispute any fraudulent credit card charges as well, depending on how your issuer handles the situation.
If currently the transactions are disabled or the limit is lower than your transaction amount, your transaction will get declined on performing any such transaction. At OneCard, we immediately send you a notification with the exact issue and the required changes can be done on the app in real-time.
It's often a result of a customer not having enough funds in their account, but it could also be a sign that the customer is attempting card fraud. Card issuer rejection is designed to protect all parties, which is why it's a vital component of both the online and in-person card payment process.
There's currently a nationwide Telstra outage affecting EFTPOS and ATM services.
Receiving error code 15 tells you the card number was entered incorrectly. To be more specific, it means the first number is incorrect.
The card issuing bank has declined the transaction as the credit card number is incorrectly entered, or does not exist.
The transaction has not been processed and the customer should attempt to process the transaction again. No further information is provided from the bank as to the reason why this was not processed.
Hold code 41 indicates a lost card alert. This means the cardholder reported the card lost and the card issuer will not allow the transaction to go through. The hold code is a signal from the issuing bank to the merchant that the cardholder reported their card lost.
The customer's card issuer has declined the transaction. The customer should use an alternate credit card, and contact their bank.