What Does My Bank Decline Code Mean?
In some instances, your bank or card issuer may decline payment when attempting to make a purchase. They may provide a decline code that details why the transaction was declined.
Below is a list of possible decline codes and a corresponding explanation. You can also find instructions on resolving your payment issues as soon as possible.
Decline Code
- Decline CodeExplanationNext Steps
- approve_idThe payment cannot be authorizedThe payment should be attempted again. If it still cannot be processed, the customer needs to contact their bank.
- call_issuerThe card has been declined for an unknown reasonThe customer needs to contact their bank for more information.
- card_not_supportedThe card does not support this type of purchaseThe customer needs to contact their bank to make sure their card can be used to make this type of purchase.
- card_velocity_exceededThe customer has exceeded the balance or credit limit available on their card.The customer should contact their bank for more information.
- currency_not_supportedThe card does not support the specified currency.The customer needs to check with the issuer that the card can be used for the type of currency specified.
- do_not_honorThe card has been declined for an unknown reasonThe customer needs to contact their bank for more information.
- do_not_try_againThe card has been declined for an unknown reasonThe customer should contact their bank for more information.
- fraudulentThe payment has been declined as the issuer suspects it is fraudulentThe customer should contact their bank for more information.
- generic_declineThe card has been declined for an unknown reasonThe customer needs to contact their bank for more information.
- insufficient_fundsThe card has insufficient funds to complete the purchaseThe customer should use an alternative payment method.
- invalid_accountThe card, or account the card is connected to, is invalidThe customer needs to contact their bank to check that the card is working correctly.
- invalid_amountThe payment amount is invalid, or exceeds the amount that is allowedIf the amount appears correct, the customer needs to verify their account balance with their bank to ensure they can charge the required amount.
- invalid_pinThe PIN entered is incorrect. This decline code only applies to payments made with a card reader.The customer should try again using the correct PIN.
- issuer_not_availableThe card issuer could not be reached, so the payment could not be authorizedThe payment should be attempted again. If it still cannot be processed, the customer needs to contact their bank.
- lost_cardThe payment has been declined because the card is reported lostThe specific reason for the decline should not be reported to the customer. Instead, it needs to be presented as a generic decline.
- new_account_information_availableThe card, or account the card is connected to, is invalidThe customer needs to contact their bank for more information.
- no_action_takenThe card has been declined for an unknown reasonThe customer should contact their bank for more information.
- not_permittedThe payment is not permittedThe customer needs to contact their bank for more information.
- pickup_cardThe card cannot be used to make this payment (it is possible it has been reported lost or stolen)The customer needs to contact their bank for more information.
- reenter_transactionThe payment could not be processed by the issuer for an unknown reason.The payment should be attempted again. If it still cannot be processed, the customer needs to contact their bank.
- restricted_cardThe card cannot be used to make this payment (it is possible it has been reported lost or stolen)The customer needs to contact their bank for more information.
- revocation_of_all_authorizationsThe card has been declined for an unknown reasonThe customer should contact their bank for more information.
- revocation_of_authorizationThe card has been declined for an unknown reasonThe customer should contact their bank for more information.
- security_violationThe card has been declined for an unknown reasonThe customer needs to contact their bank for more information.
- service_not_allowedThe card has been declined for an unknown reasonThe customer should contact their bank for more information.
- stolen_cardThe payment has been declined because the card is reported stolenThe specific reason for the decline should not be reported to the customer. Instead, it needs to be presented as a generic decline.
- stop_payment_orderThe card has been declined for an unknown reasonThe customer should contact their bank for more information.
- testmode_declineA Stripe test card number was usedA genuine card must be used to make a payment.
- transaction_not_allowedThe card has been declined for an unknown reasonThe customer needs to contact their bank for more information.
- try_again_xxxxxxxxxThe card has been declined for an unknown reasonAsk the customer to attempt the payment again. If subsequent payments are declined, the customer should contact their bank for more information.
- withdrawal_count_limit_exceededThe customer has exceeded the balance or credit limit available on their card.The customer should use an alternative payment method.
If you have any additional questions regarding your declined payment, contact the support team via live chat or support@zerobounce.net.
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