Did your credit card go declined when you tried to use information technology?

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

With this list of credit card declined codes, you can determine the source of the problem.

In this commodity, we'll help you figure out exactly what's going on with your (or your customer'due south) credit card and why the transaction didn't get through. Nosotros'll cover all standard — and less common — credit bill of fare declined codes in detail, including what they mean and what you should do about each one.

Let's go!

Cheque Out Our Video Guide With a Complete List of Credit Card Declined Codes Explained

What Is a Credit Carte du jour Decline Code?

A credit card pass up code is the code that appears on a credit card processor when a transaction, or payment, has been declined.

If you lot're in a shop and can't get your credit carte du jour to piece of work, you lot and the vendor will go an error that can directly you to what went wrong.

Yous tin too get fault 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, bank, or card issuer.

When you have this issue, you'll get a short mistake bulletin of ane to 3 numbers (or messages, in some cases).

This error message is what's known as a credit refuse code. The code can explain what the actual issue is… as long as you lot know what it means.

First, nosotros'll cover some of the well-nigh mutual reasons a card is declined — and the relevant codes associated with them — before doing a deep dive into all potential credit card decline codes.

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

Well-nigh Common Reasons a Card Is Declined

Kickoff off, let's start by covering a few mutual reasons that a transaction might exist declined.

The trouble tin can exist something every bit simple as the payment processor struggling with your menu, insufficient funds, or an electronic effect connecting with your bank or credit card visitor.

Some of the near common menu decline reasons include:

  • Credit carte du jour verification mistake (Lawmaking CV): There could be an effect with your card's microchip or magnetic strip, making information technology impossible to utilise for transactions.
  • Insufficient funds (Code 51): You don't have enough coin in the accounts associated with your card (both credit and debit cards).
  • Exceeded credit limit (Code 65): Even if yous have coin in your accounts, you need to pay it down if you lot've exceeded the credit limit for the card before you lot tin utilize it again.
  • Expired bill of fare (Code 54): All credit cards have an expiration date, and trying to use a bill of fare afterwards that date will requite y'all an error message.
  • Transaction not permitted (Code 57): This occurs when you try to employ your card for a transaction that is non immune (for example, if you've blocked online transactions or international payments).
  • Incorrect card number (Codes fourteen & xv): There are ii incorrect ways to enter the carte du jour number improperly. If the very first digit is incorrect, you'll meet error code 15 for "no such issuers" since the first digit pinpoints the card's issuing bank. If you get whatever other wrong numbers, you'll get error code 14 for entering an invalid card number.
  • Incorrect security code (Code 63): This occurs when you lot type the three-digit CVV or CVC code on the back of your bill of fare or the 4-digit CID code on the front of your carte du jour incorrectly.
Examples of where to find your CVV, CVC, or CID number (Source: LendingTree)
Examples of where to find your CVV, CVC, or CID number (Source: LendingTree)

For many of these issues, you lot may besides see error code 12 or fault lawmaking 85. These simply denote an invalid transaction. Credit menu issuing banks oft utilize these two errors as catch-all response codes, making it harder to know what's wrong.

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

If you didn't come across your error code in this section, yous could browse the table below, which includes over fifty credit card decline codes in numerical social club, along with details equally to why each code happens and how to set up the problem.

Complete List Credit Card Declined Codes

This tabular array includes a list of all credit carte du jour error codes, exactly what they mean (the bodily problem), and how to ready them.

Code Label The Problem The Set
01 Refer to issuer The issuing bank (Mastercard, Visa, Discovery, etc.) prevented the transaction without a specific reason. Phone call the bank and ask them to explain the effect.
02 Refer to issuer (special status) The client's bank prevented the transaction (like to code 01). Use the number on the card to phone call the bank and ask for an caption.
04 Selection up card, hold call (no fraud implied) The customer's bank prevented the transaction and is also telling the merchant to hold the card. This doesn't imply fraud, but rather overdrawn cards or expired ones. Call the bank to enquire why the option-upwardly notice is showing up for your credit card.
05 Do non honor The client'south bank stopped the transaction and told the merchant to "not honor" the card (not to accept payment). Phone call the depository financial institution and ask for an explanation.
06 Other mistake The issuing bank can't specify the error, simply something went wrong with the transaction. Effort again, and call the bank if the consequence persists.
07 Pick upwards card, special condition (fraudulent) The customer'southward depository financial institution stopped the transaction because the bill of fare or banking concern account has been flagged as fraudulent. If you're the client, call the bank immediately to clear up any potential issues. If you're the merchant, withhold the card until you can proceeds confirmation from the banking company and customer nearly their identity and the menu'south legitimacy.
10 Partial approval The issuing bank accepts a part of the payment but blocks the rest, typically due to exceeding the credit limit or funds in the business relationship. Call the banking company to clear upwards 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 call the bank, restart the transaction from scratch, and make sure all the information entered is correct.
13 Invalid amount The amount you lot entered for the transaction was invalid, usually due to a non-numerical symbol being entered along with the amount (e.g., a dollar sign). But start the transaction over again and be conscientious to avoid using symbols when typing the amount.
14 Invalid menu number The carte du jour number is invalid, and the credit card processor can't detect the related account. Starting time the transaction over once more, and exist careful to enter the digits accurately. If the issue persists, call the issuing bank.
15 No such issuer The start digit, which identifies the card's issuing bank, was incorrect. (Credit card-issuing banks take their ain unique lawmaking that starts with the first digit — 3 for American Express, iv for Visa, 5 for Mastercard, or half-dozen for Detect.) Advisedly type the credit card number again, making sure to include the first digit correctly.
nineteen Re-enter An unknown error occurred. Restart the transaction and exist careful to enter all the data correctly. If the effect persists, call the carte du jour issuer.
28 No reply/response An mistake occurred during the transaction without the reason specified. Restart the transaction and be careful to enter all the information correctly. If the outcome persists, call the card issuer.
41 Lost card, pick up The card's legitimate owner has reported information technology lost or stolen, then the card issuer has denied the transaction. If it'due south your own carte du jour, you demand to call the bank right away. If you're the merchant, enquire the customer to use an alternate menu or contact their bank.
43 Stolen card, choice upward (fraud account) The legitimate owner has reported the carte du jour as stolen, and so the card issuer denied the transaction. If it'due south your own card, you demand to telephone call the depository financial institution ASAP with the number on the back of the carte. If you're the merchant, enquire them to employ an alternating card or contact their banking concern.
51 Bereft funds The menu issuer is blocking the transaction considering the account has already exceeded the credit limit, or the pending transaction would put the card over. Contact the depository financial institution with the number on the back of the carte, use online cyberbanking to transfer funds to the card, or use an alternate carte du jour.
54 Expired card The expiration date has already passed. Utilise a credit card that is still valid. (If you lot merely take one, the new carte du jour should typically have arrived in the post earlier the old one expires, so be sure to contact the depository financial institution.)
57 Transaction non permitted – Bill of fare This code shows upwardly when y'all're trying to apply a card for a transaction that's specifically not allowed, like transferring funds to a foreign merchant account. Use an alternate bill of fare without such limitations, or call the issuing banking concern to articulate up whether you have the choice to allow such transactions.
58 Transaction non permitted – Terminal If the merchant account continued to the terminal or payment processor is non properly configured, yous'll meet this fault. The merchant needs to call their bank to clear things up. If y'all're the client, use an alternate payment method, like cash or cheque.
62 Invalid service lawmaking, restricted The invalid service code can refer to two specific situations.1: You're trying to procedure an American Express or Detect card, just the organisation doesn't support those card issuers.

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

 Try a credit card from a different issuer, like Visa. If the merchant advertises accepting payments from your bill of fare issuer, you need to contact the depository financial institution to enquire about your card'due south 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 advisedly blazon the correct security lawmaking.
65 Activity limit exceeded The credit menu user has exceeded the credit limit (or this transaction would put them over). Use some other credit card. If you take no other cards, yous can use online or telephone banking to pay down the card before you endeavor it over again.
85 or 00 Issuer organization unavailable This error code shows up when there'south a temporary advice error between the merchant and the issuing bank. Await a few moments, then first the transaction over from scratch.
85 No reason to turn down The issuing bank can't identify a specific problem, but the transaction however didn't go through. Showtime the transaction again from scratch, and if the effect persists, call the issuing banking company.You tin can also effort using some other credit card to come across if the issue is merchant-specific.
91 Issuer or switch is unavailable The terminal or payment processor was unable to complete the payment authorization. Commencement the transaction from scratch, and if the problem persists, call the issuing banking company.
92 Unable to route transaction The terminal cannot reach the carte du jour issuer to process the transaction. Wait a few minutes and endeavour again. If the issue persists, contact your bank.
93 Violation, cannot consummate The issuing banking company has recognized (or has been informed of) a legal violation on the part of the credit menu user, and avails have been frozen. If you mistakenly get this error code, call the issuing depository financial institution correct away to clear up whatsoever issues.
96 System error In that location'due south a temporary issue with the payment processor. Restart the transaction. If the issue persists, endeavor another credit bill of fare.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 client has specifically asked to stop the recurring payment you're trying to procedure. Offset, cancel all scheduled future payments to avoid chargebacks and related fees.If the customer is in alienation of contract, you'll need to get in touch with them to clear things up.
CV Card blazon verification mistake The carte reader had a problem verifying the card. This could be an result with the microchip or the magnet strip. Try the age-onetime pull a fast one on of wiping the credit card confronting your shirt and carefully swiping it once more.If that doesn't work, key in the number or contact the issuing bank.
W1, W2, W9 Fault connecting to banking concern This tin happen considering of a power or service outage. Wait for the ability to come back on, or look for news of local outages that might affect you.If there isn't whatsoever credible reason, contact your merchant bank.

Error Codes for Fraud

Whether you're a merchant or a cardholder, the worst-case scenario is when you go an fault code for fraud.

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As a merchant, you want to avert chargebacks and related fees and damages. Equally a cardholder, you lot evidently don't desire to take someone else using your card at will.

But credit card fraud is a lot more common than you lot might think. In 2019, in that location were 271,823 cases of credit card fraud in the US lone.

2019 US credit card fraud cases (Source: The Ascent)
2019 United states credit card fraud cases (Source: The Ascent)

With hundreds of thousands of instances of credit card fraud each twelvemonth, yous need to be on the lookout for customers who aren't the existent owners of the cards they're using. You also need to be vigilant and enlightened of how your own cards are being utilized.

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

  • Code seven — Selection upwardly the card, special condition (fraud account): The card issuer has flagged the business relationship for fraud and therefore denied the transaction.
  • Code 41 — Lost card, pick up (fraud account): The real owner reported this bill of fare as lost or stolen, and the card issuer has blocked the transaction.
  • Code 43 — Stolen carte du jour, choice up (fraud account): The owner has reported the card stolen, and the issuing bank has blocked the transaction.
  • Code 215 — Lost/stolen menu: The real cardholder has reported the bill of fare equally lost or stolen, and the card issuer blocks the transaction.
  • Code 534 — Practise non honor, high fraud: The transaction failed PayPal or Google Checkout risk modeling.
  • Code 596 — Suspected fraud: Again, the menu issuer suspects fraud and has blocked the transaction.

Note: If you accept payments online and you're worried about fraud and chargebacks, we've written a guide on how to reduce credit menu fraud by up to 98%.

What Do I Exercise if My Credit Menu Is Declined?

The first thing you should do when your credit card 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/account or with the merchant's concluding.

Finally, yous must take the advisable action required to solve that item issue. That could be restarting the transaction, typing in everything advisedly, calling the bank, or trying some other card.

Troubleshooting boils down to a simple 3-stride process:

  1. Ask for the declined code.
  2. Learn the significant of the lawmaking.
  3. Have appropriate action (commonly calling the issuing bank or trying another credit card).

You may call back that y'all've got your funds in order or that your credit card limit hasn't been met, but it never hurts to check with the banking company.

Most of the states have multiple cards, and it can be difficult to keep track of them all. At that place are over one 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 U.s.a. and in the world (Source: Shift)

So if y'all ever get an mistake code when using i of your cards, avoid moving straight to using the side by side menu. First, make sure you contact the depository financial institution to find out the real situation.

You lot don't desire to go striking with unnecessary overdraft or late payment fees, or a nasty surprise bill afterward you've been the victim of fraud.

Credit Menu Declined Codes FAQs

Are you still confused about the mistake codes? Bank check out these frequently asked questions.

Why Is My Credit Card Declined When I Have Money?

At that place are a number of reasons why your credit card might exist declined, even though yous have money in your account:

  • Yous might accept exceeded your credit limit. Unless yous've ready automated payments, you must clear your credit card debt before you tin can use it once again.
  • You could be trying to use a credit carte du jour for a transaction it'south not approved for, like online payments or payments in a foreign country.
  • Your credit bill of fare number may take been flagged for fraud.
  • You may have typed in your credit bill of fare number, CVV2 lawmaking, or PIN incorrectly.
  • The issue maybe with the merchant'southward terminal and non with your credit card at all.

What Does Credit Bill of fare Code 51 Mean?

The credit card declined code "51" ways that y'all've exceeded your credit limit (if it's a credit carte du jour) or run out of funds (if using a debit carte du jour).

Why Is My Card Declined When I Gild Online?

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

  1. Your credit carte may non be ready upwardly to handle online payments. Contact your bank to confirm whether this is the case.
  2. Y'all may be entering the credit card number, CVV2, CVC, CID, Pin, or name incorrectly.
  3. You lot may not take enough funds remaining in your account or have exceeded your credit limit.

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

Summary

Whether information technology's your own credit menu or a customer'due south credit card that gets rejected, knowing the bodily reason is crucial to deciding on the right response.

If you don't know which issue you're having, yous might just use some other credit card and get on with your day. Yet, practice caution at all times past monitoring your credit usage and protecting yourself from identity theft.

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

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