04 – Pick up card (no fraud) The issuing bank (Visa, Mastercard, etc.) prevented the transaction. Same as the first two codes - ask for a separate card to complete the transaction and/or ask the customer to call their credit card bank and figure out why the transaction was declined.
The credit card declined code 04 means: Pick Up Card (No Fraud). When you receive declined code 04, it means the card has been reported either lost or stolen, but not flagged for fraudulent use. The cardholder should contact their issuing bank for more details.
The customer's card issuer has declined the transaction and requested that the card be retained as the card may have been reported as lost or stolen. The customer should use an alternate credit card, or contact their bank.
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.
You entered your card information incorrectly. You have an old address or phone number still on file. You reached your credit limit. Your card has expired.
You've entered incorrect card details
At times you may enter incorrect card details such as card number, CVV, PIN, expiry date, or OTP while making a payment. You will get a transaction declined notification with the appropriate reason mentioned in it.
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.
If you run into an HTTP 402 error online, the platform or service decided to implement the code internally. Traditionally, 402 errors signal payment failures.
An error originating from an issuing bank is returned when either the customer makes a mistake e.g. by entering the wrong card number or due to the issuing bank rejecting the transaction because e.g. the card has been stolen.
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.
The first digit of your Visa card will always be a “4” because that is the number assigned to the Visa card network. The next five digits, together with the first digit, are the issuer identification number (IIN), which lets you know which bank or credit union issued the card.
Transaction Response 06 - Error
The customer's card issuer has declined the transaction as there is a problem with the card number. The customer should contact their card issuer and/or use an alternate card.
4: mean the transaction is declined. It could be only a temporary technical problem. Please retry a little bit later. 5: mean a validation/configuration error (e.g. currency not allowed on your account).
This could be because: The debit or credit card has expired. The debit/credit card has reached its spending limit. Addresses do not match (on this account the address does match)
2004: Expired Card
This message indicates the expiration date on the card has passed, and the card is no longer valid for use. When a transaction is declined due to an expired card, it is essential to check the expiration date and ensure that a new card has been issued and activated.
What causes payment failure? Failed payments can occur from both the merchant's end and the customer's end. A customer will often experience payment failure due to a faulty internet connection, entering incorrect payment details, or because there is not enough money in their account to cover the payment..
Insufficient Funds: Usually, payments fail simply because the customer does not have the required funds available in their account to cover the transaction – or because they have exceeded their credit limit. In either case, their bank will typically reject the payment.
While the vast majority of visa applications are approved, there are numerous reasons why a visa application may be denied. The refusal can be made on the basis of a number of factors including ineligibility, a lack of evidence or documentation, character issues, health issues and fraudulent 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.
02 – Refer to issuer (special condition)
Just like Code 01, the issuing bank (Visa, Mastercard, etc.) prevented the transaction. Same as Code 01 - ask for a separate card to complete the transaction and/or ask the customer to call their credit card bank and figure out why the transaction was declined.
The card isn't activated. Attempts to exceed your daily transaction amount. Lack of available funds. Expired card information is being used.
Your first step should be to call the bank's 24-hour customer service helpline. After making a note of your issue and recording your transaction reference number, the executive will register your complaint and will issue you a complaint tracking number. The matter is then investigated.
The most common reason your debit card is declining or not working for purchases in stores and online is that it's expired. Check the expiry date on the front of the card and, if it hasn't expired but it isn't working, there are a bunch or reasons why it might be declining (but don't worry, it's easy to fix!).