Payment Processor Declines
# 1. Do Not Honor – 2000
The customer’s bank is unwilling to accept the transaction. The
customer will need to contact their bank for more details
regarding this generic decline.
# 2. Insufficient Funds – 2001
The account did not have sufficient funds to cover the
transaction amount at the time of the transaction – subsequent
attempts at a later date may be successful.
# 3. Limit Exceeded – 2002
The attempted transaction exceeds the withdrawal limit of the
account. The customer will need to contact their bank to change
the account limits or use a different payment method.
# 4. Cardholder’s Activity Limit Exceeded – 2003
The attempted transaction exceeds the activity limit of the
account. The customer will need to contact their bank to change
the account limits or use a different payment method.
# 5. Expired Card – 2004
Card is expired. The customer will need to use a different
payment method.
# 6. Invalid Credit Card Number – 2005
The customer entered an invalid payment method or made a typo in
their credit card information. Have the customer correct their
payment information and attempt the transaction again – if the
decline persists, they will need to contact their bank.
# 7. Invalid Expiration Date – 2006
The customer entered an invalid payment method or made a typo in
their card expiration date. Have the customer correct their
payment information and attempt the transaction again – if the
decline persists, they will need to contact their bank.
# 8. No Account – 2007
The submitted card number is not on file with the card-issuing
bank. The customer will need to contact their bank.
# 9. Card Account Length Error – 2008
The submitted card number does not include the proper number of
digits. Have the customer attempt the transaction again – if the
decline persists, the customer will need to contact their
bank.
# 10. No Such Issuer – 2009
This decline code could indicate that the submitted card number
does not correlate to an existing card-issuing bank or that there
is a connectivity error with the issuer. The customer will need to
contact their bank for more information.
# 11. Card Issuer Declined CVV – 2010
The customer entered in an invalid security code or made a typo
in their card information. Have the customer attempt the
transaction again – if the decline persists, the customer will
need to contact their bank.
# 12. Voice Authorization Required – 2011
The customer’s bank is requesting that the merchant (you) call to
obtain a special authorization code in order to complete this
transaction. This can result in a lengthy process – we recommend
obtaining a new payment method instead.
Contact us
for more details.
# 13. Processor Declined – Possible Lost Card – 2012
The card used has likely been reported as lost. The customer will
need to contact their bank for more information.
# 14. Processor Declined – Possible Stolen Card – 2013
The card used has likely been reported as stolen. The customer
will need to contact their bank for more information.
# 15. Processor Declined – Fraud Suspected – 2014
The customer’s bank suspects fraud – they will need to contact
their bank for more information.
# 16. Transaction Not Allowed – 2015
The customer’s bank is declining the transaction for unspecified
reasons, possibly due to an issue with the card itself. They will
need to contact their bank or use a different payment method.
# 17. Duplicate Transaction – 2016
The submitted transaction appears to be a duplicate of a
previously submitted transaction and was declined to prevent
charging the same card twice for the same service.
# 18. Cardholder Stopped Billing – 2017
The customer requested a cancellation of a single transaction –
reach out to them for more information.
# 19. Cardholder Stopped All Billing – 2018
The customer requested the cancellation of a recurring
transaction or subscription – reach out to them for more
information.
# 20. Invalid Transaction – 2019
The customer’s bank declined the transaction, typically because
the card in question does not support this type of transaction –
for example, the customer used an FSA debit card for a
non-healthcare related purchase. They will need to contact their
bank for more information.
# 21. Violation – 2020
The customer will need to contact their bank for more
information.
# 22. Security Violation – 2021
The customer’s bank is declining the transaction, possibly due to
a fraud concern. They will need to contact their bank or use a
different payment method.
# 23. Declined – Updated Cardholder Available – 2022
The submitted card has expired or been reported lost and a new
card has been issued. Reach out to your customer to obtain updated
card information.
# 24. Processor Does Not Support This Feature – 2023
Your account can’t process transactions with the intended feature
– for example, 3D Secure or Level 2/Level 3 data. If you believe
your merchant account should be set up to accept this type of
transaction,
contact us.
# 25. Card Type Not Enabled – 2024
Your account can’t process the attempted card type. If you
believe your merchant account should be set up to accept this type
of card,
contact us
for assistance.
# 26. Set Up Error – Merchant – 2025
Depending on your region, this response could indicate a
connectivity or setup issue.
Contact us
for more information regarding this error message.
# 27. Invalid Merchant ID – 2026
The customer’s bank declined the transaction, typically because
the card in question does not support this type of transaction. If
this response persists across transactions for multiple customers,
it could indicate a connectivity or setup issue.
Contact us
for more information regarding this error message.
# 28. Set Up Error – Amount – 2027
This rare decline code indicates an issue with processing the
amount of the transaction. The customer will need to contact their
bank for more details.
# 29. Set Up Error – Hierarchy – 2028
There is a setup issue with your account.
Contact us
for more information.
# 30. Set Up Error – Card – 2029
This response generally indicates that there is a problem with
the submitted card. The customer will need to use a different
payment method.
# 31. Set Up Error – Terminal – 2030
There is a setup issue with your account.
Contact us
for more information.
# 32. Encryption Error – 2031
The cardholder’s bank does not support $0.00 card verifications.
Enable the
Retry All Failed $0
option to resolve this error.
Contact us
with questions.
# 33. Surcharge Not Permitted – 2032
Surcharge amount not permitted on this card. The customer will
need to use a different payment method.
# 34. Inconsistent Data – 2033
An error occurred when communicating with the processor. The
customer will need to contact their bank for more details.
# 35. No Action Taken – 2034
An error occurred and the intended transaction was not completed.
Attempt the transaction again.
# 36. Partial Approval For Amount In Group III Version – 2035
The customer’s bank approved the transaction for less than the
requested amount. Have the customer attempt the transaction again
– if the decline persists, the customer will need to use a
different payment method.
# 37. Authorization could not be found – 2036
An error occurred when trying to process the authorization. This
response could indicate an issue with the customer’s card or that
the processor doesn’t allow this action –
contact us
for more information.
# 38. Already Reversed – 2037
The indicated authorization has already been reversed. If you
believe this to be false,
contact us
for more information.
# 39. Processor Declined – 2038
The customer’s bank is unwilling to accept the transaction. The
reasons for this response can vary – customer will need to contact
their bank for more details.
# 40. Invalid Authorization Code – 2039
The authorization code was not found or not provided. Have the
customer attempt the transaction again – if the decline persists,
they will need to contact their bank.
# 41. Invalid Store – 2040
There may be an issue with the configuration of your account.
Have the customer attempt the transaction again – if the decline
persists,
contact us
for more information.
# 42. Declined – Call For Approval – 2041
The card used for this transaction requires customer approval –
they will need to contact their bank.
# 43. Invalid Client ID – 2042
There may be an issue with the configuration of your account.
Have the customer attempt the transaction again – if the decline
persists,
contact us
for more information.
# 44. Error – Do Not Retry, Call Issuer – 2043
The card-issuing bank will not allow this transaction. The
customer will need to contact their bank for more information.
# 45. Declined – Call Issuer – 2044
The card-issuing bank has declined this transaction. Have the
customer attempt the transaction again – if the decline persists,
they will need to contact their bank for more information.
# 46. Invalid Merchant Number – 2045
There is a setup issue with your account.
Contact us
for more information.
# 47. Declined – 2046
The customer’s bank is unwilling to accept the transaction. For
credit/debit card transactions, the customer will need to contact
their bank for more details regarding this generic decline; if
this is a PayPal transaction, the customer will need to contact
PayPal.
# 48. Call Issuer. Pick Up Card – 2047
The customer’s card has been reported as lost or stolen by the
cardholder and the card-issuing bank has requested that merchants
keep the card and call the number on the back to report it. As an
online merchant, you don’t have the physical card and can’t
complete this request – obtain a different payment method from the
customer.
# 49. Invalid Amount – 2048
The authorized amount is set to zero, is unreadable, or exceeds
the allowable amount. Make sure the amount is greater than zero
and in a suitable format.
# 50. Invalid SKU Number – 2049
A non-numeric value was sent with the attempted transaction. Fix
errors and resubmit with the transaction with the proper SKU
Number.
# 51. Invalid Credit Plan – 2050
There may be an issue with the customer’s card or a temporary
issue at the card-issuing bank. The customer will need to contact
their bank for more information or use a different payment
method.
# 52. Credit Card Number does not match method of payment – 2051
There may be an issue with the customer’s credit card or a
temporary issue at the card-issuing bank. Have the customer
attempt the transaction again – if the decline persists, ask for a
different card or payment method.
# 53. Invalid level III Purchase – 2052
Level III Data is inaccurate or missing.
# 54. Card reported as lost or stolen – 2053
The card used was reported lost or stolen. The customer will need
to contact their bank for more information or use a different
payment method.
# 55. Reversal amount does not match authorization amount – 2054
Either the refund amount is greater than the original transaction
or the card-issuing bank does not allow
partial refunds. The customer will need to
contact their bank for more
information or use a different payment method.
# 56. Invalid Transaction Division Number – 2055
Contact us
for more information regarding this error message.
# 57. Transaction amount exceeds the transaction division limit – 2056
Contact us
for more information regarding this error message.
# 58. Issuer or Cardholder has put a restriction on the card – 2057
The customer will need to contact their issuing bank for more
information.
# 59. Merchant not Mastercard SecureCode enabled – 2058
The attempted card can’t be processed without enabling
3D Secure
for your account.
Contact us
for more information regarding this feature or contact the
customer for a different payment method.
# 60. Address Verification Failed – 2059
PayPal was unable to verify that the transaction qualifies for
Seller
Protection
because the address was improperly formatted. The customer should
contact PayPal for more information or use a different payment
method.
# 61. Address Verification and Card Security Code Failed – 2060
Both the AVS and CVV checks failed for this transaction. The
customer should contact PayPal for more information or use a
different payment method.
# 62. Invalid Transaction Data – 2061
There may be an issue with the customer’s card or a temporary
issue at the card-issuing bank. Have the customer attempt the
transaction again – if the decline persists, ask for a different
card or payment method.
# 63. Invalid Tax Amount – 2062
There may be an issue with the customer’s card or a temporary
issue at the card-issuing bank. Have the customer attempt the
transaction again – if the decline persists, ask for a different
card or payment method.
# 64.
PayPal Business Account preference resulted in the transaction
failing
– 2063
You can’t process this transaction because your account is set to
block certain payment types
, such as eChecks or foreign currencies. If you
believe you have
received this decline in error,
contact us.
# 65. Invalid Currency Code – 2064
There may be an issue with the configuration of your account for
the currency specified.
Contact us
for more information.
# 66. Refund Time Limit Exceeded – 2065
PayPal requires that refunds are issued within 180 days of the
sale. This refund can’t be successfully processed.
# 67. PayPal Business Account Restricted – 2066
Contact PayPal’s Support team
to resolve this issue with your account. Then, you can attempt the
transaction again.
# 68. Authorization Expired – 2067
The PayPal authorization is no longer valid.
# 69. PayPal Business Account Locked or Closed – 2068
You’ll need to
contact PayPal’s Support team
to resolve an issue with your account. Once resolved, you can
attempt to process the transaction again.
# 70. PayPal Blocking Duplicate Order IDs – 2069
The submitted PayPal transaction appears to be a duplicate of a
previously submitted transaction. This decline code indicates an
attempt to prevent charging the same PayPal account twice for the
same service.
# 71. PayPal Buyer Revoked Pre-Approved Payment Authorization – 2070
The customer revoked authorization for this payment method. Reach
out to the customer for more information or a different payment
method.
# 72.
PayPal Payee Account Invalid Or Does Not Have a Confirmed Email
– 2071
Customer has not finalized setup of their PayPal account. Reach
out to the customer for more information or a different payment
method.
# 73. PayPal Payee Email Incorrectly Formatted – 2072
Customer made a typo or is attempting to use an invalid PayPal
account.
# 74. PayPal Validation Error – 2073
PayPal can’t validate this transaction.
Contact us
for more details.
# 75.
Funding Instrument In The PayPal Account Was Declined By The
Processor Or Bank, Or It Can’t Be Used For This Payment
– 2074
The customer’s payment method associated with their PayPal
account was declined. Reach out to the customer for more
information or a different payment method.
# 76. Payer Account Is Locked Or Closed – 2075
The customer’s PayPal account can’t be used for transactions at
this time. The customer will need to contact PayPal for more
information or use a different payment method.
# 77. Payer Cannot Pay For This Transaction With PayPal – 2076
The customer should contact PayPal for more information or use a
different payment method. You may also receive this response if
you create transactions using the email address registered with
your PayPal Business Account.
# 78. Transaction Refused Due To PayPal Risk Model – 2077
PayPal has declined this transaction due to risk limitations.
You’ll need to
contact PayPal’s Support team
to resolve this issue.
# 79. Invalid Secure Payment Data – 2078
PIN cryptographic error found during decryption.
# 80. PayPal Merchant Account Configuration Error – 2079
You’ll need to
contact us
to resolve an issue with your account. Once resolved, you can
attempt to process the transaction again.
# 81. Invalid user credentials – 2080
Invalid user credentials.
# 82. PayPal pending payments are not supported – 2081
Braintree received an unsupported Pending Verification response
from PayPal. Contact
Braintree’s Support team
to resolve a potential issue with your account settings. If there
is no issue with your account, have the customer reach out to
PayPal for more information.
# 83. PayPal Domestic Transaction Required – 2082
This transaction requires the customer to be a resident of the
same country as the merchant. Reach out to the customer for a
different payment method.
# 84. PayPal Phone Number Required – 2083
This transaction requires the payer to provide a valid phone
number. The customer should contact PayPal for more information or
use a different payment method.
# 85. PayPal Tax Info Required – 2084
The customer must complete their PayPal account information,
including submitting their phone number and all required tax
information.
# 86. PayPal Payee Blocked Transaction – 2085
Fraud settings on your PayPal business account are blocking
payments from this customer. These can be adjusted in the
Block Payments section of your PayPal business
account.
# 87. PayPal Transaction Limit Exceeded – 2086
The settings on the customer’s account do not allow a transaction
amount this large. They will need to contact PayPal to resolve
this issue.
# 88. PayPal reference transactions not enabled for your account – 2087
PayPal API permissions are not set up to allow reference
transactions. You’ll need to
contact PayPal’s Support team
to resolve an issue with your account. Once resolved, you can
attempt to process the transaction again.
# 89. Currency not enabled for your PayPal seller account – 2088
This currency is not currently supported by your PayPal account.
You can accept additional currencies by
updating your PayPal
profile
.
# 90. PayPal payee email permission denied for this request – 2089
PayPal API permissions are not set up between your PayPal
business accounts.
Contact us
for more information.
# 91.
PayPal or Venmo account not configured to refund more than settled
amount
– 2090
Your PayPal or Venmo account is not set up to refund amounts
higher than the original transaction amount.
Contact PayPal’s Support team
for information on how to enable this for your PayPal account.
# 92.
Currency of this transaction must match currency of your PayPal
account
– 2091
Your PayPal account can only process transactions in the currency
of your home country.
Contact PayPal’s Support team
for more information.
# 93. No Data Found – Try Another Verification Method – 2092
The processor is unable to provide a definitive answer about the
customer’s bank account. Please try a different US bank account
verification method.
# 94. PayPal payment method is invalid – 2093
The PayPal payment method has either expired or been
canceled.
# 95. PayPal payment has already been completed – 2094
Your integration is likely making PayPal calls out of sequence.
Check the error response for more details.
# 96. PayPal refund is not allowed after partial refund – 2095
Once a PayPal transaction is partially refunded, all subsequent
refunds must also be partial refunds for the remaining amount or
less. Full refunds are not allowed after a PayPal transaction has
been partially refunded.
# 97. PayPal buyer account can’t be the same as the seller account – 2096
PayPal buyer account can’t be the same as the seller account.
# 98. PayPal authorization amount limit exceeded – 2097
PayPal authorization amount is greater than the allowed limit on
the order.
# 99. PayPal authorization count limit exceeded – 2098
The number of PayPal authorizations is greater than the allowed
number on the order.
# 100. Cardholder Authentication Required – 2099
The customer’s bank declined the transaction because a 3D Secure
authentication was not performed during checkout. Have the
customer authenticate using 3D Secure, then attempt the
authorization again.
# 101. PayPal channel initiated billing not enabled for your account – 2100
Your PayPal permissions are not set up to allow channel initiated
billing transactions.
Contact PayPal’s Support team
for information on how to enable this. Once resolved, you can
attempt to process the transaction again.
# 102. Additional authorization required – 2101
This transaction requires additional customer credentials for
authorization. The customer should insert their chip.
# 103. Incorrect PIN – 2102
The entered PIN was incorrect.
# 104. PIN try exceeded – 2103
The allowable number of PIN tries has been exceeded.
# 105. Offline Issuer Declined – 2104
The transaction was declined offline by the issuer. The customer
will need to contact their bank for more information.
# 106. Cannot Authorize at this time (Life cycle) – 2105
The transaction is refused due to invalid card data. Please try
again later.
# 107. Cannot Authorize at this time (Policy) – 2106
The transaction is refused due to a policy reason. Please try
again later.
# 108. Card Not Activated – 2107
The transaction is from a new cardholder, and the card has not
been properly unblocked.
# 109. Closed Card – 2108
The account is closed. Re-validate the account number for
accuracy and do not reattempt with the same PAN or token.
# 110. Processor Declined – 2109-2999
The customer’s bank is unwilling to accept the transaction. The
customer will need to contact their bank for more details
regarding this generic decline.
# 111. Processor Network Unavailable – Try Again – 3000
This response could indicate a problem with the back-end
processing network, not necessarily a problem with the payment
method. Have the customer attempt the transaction again – if the
decline persists,
contact us
for more information.
# 112. Risk Threshold Rules
The error is caused by a velocity check. A velocity check is a fraud prevention mechanism that limits the number of transactions that can be made with a credit card in a certain period of time. The block will be lifted after 15 minutes. You can try to purchase the item again after that time.