Did your credit bill of fare become declined when yous tried to use information technology?

Are you wondering if the reason for your blocked transaction was considering you're out of funds or for location restrictions? Or something else?

With this list of credit carte du jour declined codes, you can determine the source of the trouble.

In this article, we'll assist you figure out exactly what's going on with your (or your customer's) credit card and why the transaction didn't go through. We'll cover all standard — and less common — credit card declined codes in detail, including what they mean and what y'all should practise about each i.

Let'due south get!

Check Out Our Video Guide With a Consummate List of Credit Card Declined Codes Explained

What Is a Credit Card Decline Code?

A credit card turn down code is the lawmaking that appears on a credit carte du jour processor when a transaction, or payment, has been declined.

If you lot're in a store and can't get your credit card to piece of work, you and the vendor volition become an error that can direct you to what went wrong.

You lot can too get error codes when trying to make online purchases.

Example of a online credit card purchase being declined (Source: SmarterQueue.com)
Example of a declined online credit card purchase (Source: SmarterQueue.com)

This can happen whenever a transaction is stopped by the vendor, banking company, or card issuer.

When you take this issue, you'll get a brusk error bulletin of i to three numbers (or letters, in some cases).

This error message is what'due south known as a credit decline lawmaking. The code tin can explicate what the bodily issue is… equally long every bit you lot know what it means.

Kickoff, we'll cover some of the most mutual reasons a card is declined — and the relevant codes associated with them — before doing a deep dive into all potential credit card turn down codes.

If your customers see one of these codes when attempting to check out on your site, larn what could be causing it with this guide ✅ Click to Tweet

Most Mutual Reasons a Menu Is Declined

First off, let's showtime past roofing a few common reasons that a transaction might be declined.

The problem can exist something equally uncomplicated as the payment processor struggling with your card, insufficient funds, or an electronic issue connecting with your bank or credit carte du jour company.

Some of the well-nigh common card decline reasons include:

  • Credit card verification error (Code CV): There could exist an issue with your card'due south microchip or magnetic strip, making information technology incommunicable to use for transactions.
  • Insufficient funds (Code 51): Y'all don't have enough money in the accounts associated with your card (both credit and debit cards).
  • Exceeded credit limit (Code 65): Even if you have money in your accounts, you lot need to pay information technology down if you've exceeded the credit limit for the card before yous tin utilise information technology again.
  • Expired card (Code 54): All credit cards have an expiration date, and trying to use a card afterwards that appointment volition give you an error message.
  • Transaction not permitted (Code 57): This occurs when you lot try to use your card for a transaction that is not allowed (for example, if you've blocked online transactions or international payments).
  • Wrong carte du jour number (Codes 14 & fifteen): At that place are two wrong ways to enter the card number improperly. If the very first digit is incorrect, you'll see error code 15 for "no such issuers" since the first digit pinpoints the carte's issuing banking concern. If you go any other wrong numbers, you'll get mistake code 14 for inbound an invalid card number.
  • Wrong security code (Lawmaking 63): This occurs when you type the three-digit CVV or CVC lawmaking on the back of your bill of fare or the four-digit CID lawmaking on the front of your carte incorrectly.
Examples of where to find your CVV, CVC, or CID number (Source: LendingTree)
Examples of where to detect your CVV, CVC, or CID number (Source: LendingTree)

For many of these problems, you may too encounter mistake lawmaking 12 or error code 85. These simply denote an invalid transaction. Credit carte du jour issuing banks oftentimes employ these 2 errors as take hold of-all response codes, making it harder to know what's wrong.

You might have mistyped a credit carte du jour number, used the wrong verification code, entered an invalid expiration date, or attempted something inherently impossible, similar trying to refund a refund.

If you didn't see your error lawmaking in this section, you could scan the table beneath, which includes over 50 credit card refuse codes in numerical guild, along with details as to why each code happens and how to prepare the problem.

Complete List Credit Card Declined Codes

This table includes a list of all credit card error codes, exactly what they hateful (the bodily problem), and how to gear up them.

Code Label The Problem The Fix
01 Refer to issuer The issuing bank (Mastercard, Visa, Discovery, etc.) prevented the transaction without a specific reason. Call the depository financial institution and ask them to explain the effect.
02 Refer to issuer (special condition) The customer's bank prevented the transaction (similar to code 01). Use the number on the card to call the banking company and inquire for an explanation.
04 Pick up card, hold call (no fraud unsaid) The customer'due south bank prevented the transaction and is also telling the merchant to concur the card. This doesn't imply fraud, just rather overdrawn cards or expired ones. Call the bank to inquire why the selection-upwards notice is showing up for your credit card.
05 Do not laurels The customer's banking company stopped the transaction and told the merchant to "not honour" the bill of fare (not to have payment). Phone call the bank and ask for an explanation.
06 Other fault The issuing bank can't specify the mistake, but something went wrong with the transaction. Try once more, and call the bank if the outcome persists.
07 Pick upwards card, special condition (fraudulent) The customer's bank stopped the transaction considering the card or depository financial institution account has been flagged as fraudulent. If you're the client, telephone call the banking concern immediately to clear up whatsoever potential problems. If you're the merchant, withhold the bill of fare until y'all can proceeds confirmation from the bank and customer virtually their identity and the card's legitimacy.
10 Partial approval The issuing banking concern accepts a part of the payment but blocks the remainder, typically due to exceeding the credit limit or funds in the account. Phone call the bank to articulate upward the issue (and pay down your credit if the credit limit is the issue).
12 Invalid transaction The transaction attempted is invalid. This could be due to any number of faulty operations, including trying to refund a refund. Before you lot phone call the depository financial institution, restart the transaction from scratch, and make certain all the data entered is correct.
13 Invalid amount The amount you entered for the transaction was invalid, usually due to a non-numerical symbol being entered along with the amount (e.g., a dollar sign). Simply start the transaction over once again and be careful to avoid using symbols when typing the amount.
fourteen Invalid card number The card number is invalid, and the credit card processor tin't find the related account. Start the transaction over once more, and be careful to enter the digits accurately. If the consequence persists, call the issuing banking concern.
xv No such issuer The first digit, which identifies the menu's issuing bank, was incorrect. (Credit card-issuing banks accept their own unique lawmaking that starts with the outset digit — 3 for American Express, 4 for Visa, v for Mastercard, or 6 for Detect.) Carefully type the credit card number once again, making sure to include the beginning digit correctly.
xix Re-enter An unknown error occurred. Restart the transaction and exist careful to enter all the information correctly. If the consequence persists, call the carte issuer.
28 No reply/response An error occurred during the transaction without the reason specified. Restart the transaction and be careful to enter all the information correctly. If the issue persists, call the menu issuer.
41 Lost card, choice upwards The card's legitimate owner has reported information technology lost or stolen, so the carte du jour issuer has denied the transaction. If it'south your own card, yous demand to phone call the bank right away. If you're the merchant, ask the customer to utilize an alternate bill of fare or contact their banking company.
43 Stolen card, pick upward (fraud business relationship) The legitimate possessor has reported the menu as stolen, and so the card issuer denied the transaction. If it'due south your own carte, you need to call the bank ASAP with the number on the back of the menu. If you're the merchant, ask them to apply an alternate carte du jour or contact their depository financial institution.
51 Bereft funds The card issuer is blocking the transaction because the account has already exceeded the credit limit, or the pending transaction would put the card over. Contact the bank with the number on the back of the card, utilise online cyberbanking to transfer funds to the carte, or utilize an alternate menu.
54 Expired card The expiration appointment has already passed. Utilize a credit card that is still valid. (If you merely accept 1, the new card should typically accept arrived in the mail service before the old one expires, so be sure to contact the bank.)
57 Transaction not permitted – Carte This code shows up when you're trying to use a carte du jour for a transaction that'southward specifically not allowed, like transferring funds to a foreign merchant account. Utilise an alternate card without such limitations, or phone call the issuing bank to clear upwardly whether you have the option to permit such transactions.
58 Transaction not permitted – Last If the merchant account connected to the terminal or payment processor is non properly configured, you'll see this error. The merchant needs to call their bank to clear things up. If you're the customer, employ an alternate payment method, like cash or check.
62 Invalid service code, restricted The invalid service code tin refer to ii specific situations.1: You're trying to process an American Express or Notice card, merely the system doesn't back up those card issuers.

2: You tried to pay for online purchase with a card that doesn't support online payments.

 Try a credit card from a dissimilar issuer, like Visa. If the merchant advertises accepting payments from your card issuer, you demand to contact the depository financial institution to ask nearly your card's configuration for online payments.
63 Security violation The three-digit CVV2 or CVC or the four-digit CID security code was incorrect or wasn't read properly. Restart the transaction from scratch and carefully blazon the correct security code.
65 Activity limit exceeded The credit carte du jour user has exceeded the credit limit (or this transaction would put them over). Apply some other credit card. If y'all have no other cards, yous can use online or telephone banking to pay down the card before y'all try it again.
85 or 00 Issuer arrangement unavailable This error code shows up when there's a temporary communication fault between the merchant and the issuing bank. Wait a few moments, then start the transaction over from scratch.
85 No reason to turn down The issuing bank can't identify a specific problem, merely the transaction still didn't go through. Showtime the transaction again from scratch, and if the issue persists, call the issuing bank.You tin also endeavour using another credit carte to see if the consequence is merchant-specific.
91 Issuer or switch is unavailable The concluding or payment processor was unable to complete the payment dominance. Showtime the transaction from scratch, and if the problem persists, call the issuing banking company.
92 Unable to road transaction The terminal cannot achieve the card issuer to process the transaction. Await a few minutes and try again. If the issue persists, contact your bank.
93 Violation, cannot consummate The issuing bank has recognized (or has been informed of) a legal violation on the part of the credit carte user, and avails take been frozen. If you lot mistakenly become this fault code, telephone call the issuing bank right away to clear up any issues.
96 System error There's a temporary issue with the payment processor. Restart the transaction. If the consequence persists, try some other credit card.If nothing works, it's likely an issue with the merchant's payment processor.
RO or R1 Customer requested stop of specific recurring payment Your customer has specifically asked to end the recurring payment you're trying to process. Showtime, cancel all scheduled future payments to avert chargebacks and related fees.If the customer is in breach of contract, y'all'll need to get in bear upon with them to clear things up.
CV Menu type verification mistake The bill of fare reader had a problem verifying the card. This could be an issue with the microchip or the magnet strip. Endeavour the age-sometime trick of wiping the credit carte confronting your shirt and carefully swiping it again.If that doesn't work, key in the number or contact the issuing bank.
W1, W2, W9 Error connecting to depository financial institution This can happen considering of a ability or service outage. Wait for the power to come back on, or look for news of local outages that might touch on you.If there isn't whatever apparent reason, contact your merchant bank.

Fault Codes for Fraud

Whether you're a merchant or a cardholder, the worst-example scenario is when you get an mistake code for fraud.

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Every bit a merchant, you desire to avert chargebacks and related fees and damages. Equally a cardholder, you manifestly don't want to have someone else using your card at will.

Merely credit card fraud is a lot more than common than yous might think. In 2019, there were 271,823 cases of credit card fraud in the US lonely.

2019 US credit card fraud cases (Source: The Ascent)
2019 The states credit bill of fare fraud cases (Source: The Ascent)

With hundreds of thousands of instances of credit carte du jour fraud each year, y'all demand to exist on the lookout for customers who aren't the real owners of the cards they're using. You besides need to be vigilant and aware of how your own cards are beingness utilized.

Here are all the credit card decline codes associated with fraud:

  • Code vii — Option up the card, special condition (fraud account): The menu issuer has flagged the account for fraud and therefore denied the transaction.
  • Code 41 — Lost card, pick up (fraud account): The real owner reported this card equally lost or stolen, and the card issuer has blocked the transaction.
  • Code 43 — Stolen card, option upwards (fraud account): The owner has reported the card stolen, and the issuing banking concern has blocked the transaction.
  • Code 215 — Lost/stolen card: The real cardholder has reported the card equally lost or stolen, and the carte issuer blocks the transaction.
  • Code 534 — Do not laurels, high fraud: The transaction failed PayPal or Google Checkout take chances modeling.
  • Lawmaking 596 — Suspected fraud: Once again, the card issuer suspects fraud and has blocked the transaction.

Notation: If you accept payments online and y'all're worried about fraud and chargebacks, we've written a guide on how to reduce credit card fraud by upward to 98%.

What Do I Practise if My Credit Card Is Declined?

The first affair you should do when your credit menu is declined is to look for the error code (or write it down if you're using the payment processor yourself).

Then, check if the issue with your credit carte du jour/account or with the merchant'southward terminal.

Finally, you must take the advisable action required to solve that particular outcome. That could be restarting the transaction, typing in everything carefully, calling the banking concern, or trying another card.

Troubleshooting boils down to a unproblematic iii-footstep process:

  1. Ask for the declined code.
  2. Learn the significant of the lawmaking.
  3. Take appropriate activeness (usually calling the issuing bank or trying another credit bill of fare).

You may remember that you've got your funds in club or that your credit card limit hasn't been met, but it never hurts to check with the depository financial institution.

Most of united states of america accept multiple cards, and it tin be hard to keep track of them all. There are over 1 billion credit cards in use in the US alone.

Graph of the number of credit cards in the US and in the world (Source: Shift)
Graph of the number of credit cards in the United states and in the earth (Source: Shift)

Then if y'all always become an fault lawmaking when using one of your cards, avoid moving straight to using the next card. First, brand sure you contact the banking company to find out the real situation.

Y'all don't want to become hit with unnecessary overdraft or late payment fees, or a nasty surprise neb afterward you've been the victim of fraud.

Credit Carte du jour Declined Codes FAQs

Are you lot nonetheless confused almost the mistake codes? Bank check out these oft asked questions.

Why Is My Credit Card Declined When I Accept Money?

There are a number of reasons why your credit bill of fare might exist declined, even though you accept money in your account:

  • Yous might take exceeded your credit limit. Unless you've set automated payments, you must clear your credit carte du jour debt before you can use information technology once more.
  • You could be trying to use a credit carte for a transaction information technology'due south non canonical for, similar online payments or payments in a strange land.
  • Your credit card number may accept been flagged for fraud.
  • You may have typed in your credit card number, CVV2 code, or Pivot incorrectly.
  • The issue possibly with the merchant'south terminal and non with your credit carte du jour at all.

What Does Credit Card Code 51 Hateful?

The credit carte declined lawmaking "51" means that you've exceeded your credit limit (if it's a credit card) or run out of funds (if using a debit bill of fare).

Why Is My Card Declined When I Club Online?

Your credit card can be declined for three potential reasons: account settings, lack of funds, and inaccurate information.

  1. Your credit card may not be fix to handle online payments. Contact your banking company to confirm whether this is the case.
  2. You may exist entering the credit bill of fare number, CVV2, CVC, CID, PIN, or name incorrectly.
  3. You lot may not have enough funds remaining in your business relationship or have exceeded your credit limit.

Don't let these credit card codes stop you (or your customers!) from making online transactions 🙅‍♀️ Larn what they mean & how to fix them here ⬇️ Click to Tweet

Summary

Whether information technology's your own credit card or a client's credit card that gets rejected, knowing the actual reason is crucial to deciding on the right response.

If you don't know which issue yous're having, you might just employ another credit menu and go on with your day. However, practice caution at all times by monitoring your credit usage and protecting yourself from identity theft.

Hopefully, this list has helped y'all figure out what was going on with your credit card and has given you the knowledge needed to take appropriate steps to gear up the issue.

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