The tables below show the mapping between the two types of responses returned by the MasterCard Payment Gateway. Try again, contacting the issuer if the problem continues. 4 Credit Card Decline Codes to Know â05 Do Not Honorâ is a general decline typically generated by the cardâs issuing bank. Credit card declines occur when the payment transaction cannot be processed. Request that your customer call the issuer to have the transaction approved. Your Merchant Account Provider cannot override the decline; only your customerâs bank can allow the transaction. There could be a problem with the customerâs account. Not only do you have a potentially irate customer on your hands, but you could be facing a lost sale. Getting a handle on these denial codes benefits both you and your customers. . Below is a list of some possible decline codes that can be returned, along with suggestions for next steps to take to try and ⦠Total Merchant Services is a registered ISO/MSP of Wells Fargo Bank, N.A., Concord, CA, New Account: 844-251-8740 | Support: 888-848-6825. This happens most frequently with business credit cards where clients are restricted in what the card can be used for. The customer has asked their bank to stop the recurring payments that have been coming into your account. While this single sale may present a challenge, understanding the problem and treating the customer well will encourage them to return in the future. If the error continues, contact the issuer. Here are the most common credit card declined codes you may encounter: List of common credit card declined codes. If your business takes credit cards, you are processing payments numerous times a day. The cardholder should call the toll-free number on the back of their card to have the card issuer explain why. Again, there is no specific reason for the failure. . To check your account beginning with 878 . 57: Function Not Permitted to Cardholder: The customerâs card issuer has declined the transaction as this credit card cannot be used for this type of ⦠Call the toll-free number on the back of the card to determine the issue and for instructions. Check out the industries we service: A sample of what you'll learn each month: Email: [email protected]: 866-253-2227. Street address matches, but both 5-digit and 9-digit ZIP Code do not match: W: Partial Match: Street address does not match, but 9-digit ZIP code matches : Z: Partial Match: Street address does not match, but 5-digit ZIP code matches: N: No Match: Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match: ⦠Call Us At: (888) 249-9919 . If this is a recurring payment and you have not had problems with the card in the past, contact the customer to obtain alternate payment information. The credit card issuer (Visa, Mastercard, etc.) Self-explanatory. In this case, all you can do is to try again. This is usually a temporary communication error. You'll get action-worthy business tips aimed at owners like you. Make sure you entered the date correctly. The issuer does not allow this type of transaction or purchase of products from your business type. Code Description; 00: Approved 01: Call/Refer to Card Issuer 02: Refer to Card Issuer SpCond 03: Invalid Merchant Number 04: 201: Do not honor: Hard Decline A processor decline indicates that the customer's bank has refused the transaction request. "Decline. As the merchant in a retail environment, you are required to confiscate the card and return it to the issuer. Please check over the credit card number and transaction information to make sure that they were entered correctly. This card has been marked for fraud. This happens when the CVV or CID code on the back of the card was not read correctly. Transaction Response Codes. Here are the most common codes along with the response reason. Decline Error Code 28 & 91 â No Reply/Response. stopped the transaction ⦠Check carefully to be sure that your configurations on all payment batches are correct. Frustrated by card declines, high rates, & no relief ? This code comes up if there is a glitch during authorization. Hopefully, they will have cash or a second card to complete the purchase. In this case, the customer doesnât have sufficient funds to cover the transaction. Please contact .
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