Card Error/Decline Codes Explained

Declined transactions are made by the card-issuing bank, not PayTrace. If a client disputes a declined transaction, advise them to call the number on the back of their card for assistance.

01 – Call –

The cardholder's credit card company has blocked the transaction. The cardholder must call the 800 number on the back of the card.

02 – Call –

The cardholder's credit card company has blocked the transaction. Have the client call the 800 number on the back of the card.

03 – Invalid merchant –

This code arises if the payment information is entered incorrectly or if your merchant account or credit card terminal isn't configured properly. Try running the sale again — or contacting your payment processor directly.

04 – Hold-call or Pick-up Card –

The merchant is to keep the card. There is a problem with the card. Call the 800 number on the back of the card to determine the issue.

05 – Decline – Do not honor –

The customer's credit card company is telling you not to honor the card. There is a problem with their account. Call the 800 number on the back of the card.

07 – Hold-call or Pick-up Card –

The merchant is to keep the card. There is a problem with the card. It has been marked for fraud. The cardholder must call the 800 number on the back of the card.

12 – Decline – Invalid Transaction –

Please verify that you are correctly typing in the credit card information and run the transaction again.

14 – Card No. Error –

Account number entered incorrectly (bad swipe or mistyped). Verify the account number with the customer and re-enter (or re-swipe if the card is on hand).

28 – No Reply –

The cardholder's bank is not replying to the credit card transaction. Try waiting and then rerunning the transaction.

41 – Hold-call or Pick-up Card –

Lost card, merchant to keep. There has been fraud reported on the account. Call the 800 number on the back of the card.

43 – Hold-call or Pick-up Card –

Lost card, merchant to keep. There has been fraud reported on the account. Call the 800 number on the back of the card.

51 – Decline – Insufficient funds –

They do not have enough money in their account.

54 – Expired Card –

Expired card.

57 – Transaction not permitted –

The bank issuing this card does not allow this type of purchase. The cardholder must call the 800 number on the back of the card for further explanation.

61 – Decline – Exceeds issuer withdrawal limit –

The card cannot be used until the withdrawal limit has been increased/lifted.

62 – Decline – Invalid service code, restricted –

The customer's credit card company does not allow them to purchase products from your business type. The card cannot be used to purchase from your business.

65 – Decline – Activity limit exceeded –

The card cannot be used for the purchase.

78 – No account –

The issuing bank declined the transaction. The cardholder must call the 800 number on the back of the card.

91 – No Reply –

The cardholder's bank is not replying to the credit card transaction. Try waiting and then rerunning the transaction.

93 – Decline – Violation, cannot complete –

Have the customer call the 800 number on the back of the card to determine the issue.

96 – System Malfunction –

The card issuing bank is having a system malfunction and is declining the transaction attempt. The cardholder must call the 800 number on the back of the card.

CV – Failure CV –

Card Type Verification Error. This means that the type of card has not been added to your account (or there is an account number error). Please contact the Merchant Account Processing team to resolve the issue.

HV – Failure HV –

This means that there was a configuration error when your account was added. Please contact the Merchant Account Processing team to resolve the issue.

N4 – Decline –

Exceeds issuer withdrawal limit. The card cannot be used until the withdrawal limit has been increased/lifted.

– The transaction was declined or returned –

The customer has contacted their card institution and requested a block for all recurring billing charges to this card. You must contact your client to request they remove this block or get a new card.

– DECLINED:0720900009:STOP RECURRING:R1 –

The customer has contacted their card institution and requested a block for all recurring billing charges to this card. You must contact your customer to request they remove this block or get a new card.

– Declined – DECLINED:0721080009:NO CREDIT ACCT:39 –

The client has an invalid card; it can be that the cardholder was issued another card and is using an old, deactivated card.

– No Such Issuer –

This is not a legitimate credit card. Obtain new payment details

– Declined - Invalid account number (no such number) –

It's an invalid account number. This is likely the result of the cardholder closing the account or the bank issuing a new card.

– DECLINED:0770380009:DECLINED: –

The customer's credit card company is telling you not to honor the card. There is a problem with their account. Have them call the 800 number on the back of the card to find out why.

– DECLINED:0770380009:INVALID CARD: –

Please verify that you correctly typed the credit card information and re-run the transaction.

– DECLINED:1101990001:Invalid account number: –

Please verify that you correctly typed the credit card information and re-run the transaction.

– DECLINED:0770380009:PICK UP CARD: –

Lost card, merchant to keep. There has been fraud reported on the account. Call the 800 number on the back of the card.

– DECLINED:0770380009:CALL AUTH CENTER: –

Voice Authorization is required. Call the 800 number on the back of the card.

– DECLINED:3000000009:Error in Processing –

The processor was not able to reach the issuing bank. Please attempt the transaction again.

– DECLINED:0770380009:INVLD TERM ID 1: –

There appears to be an issue with your merchant account. Call the 800 number on the back of the card.

– DECLINED:0770380009:DECLINED CVV2: –

The CVV2 Code entered does not match what is on the card. Please re-enter the CVV2 code and try again.

– DECLINED:0770380009:SERV NOT ALLOWED –

The customer's credit card company does not allow them to purchase products from your business type. The card cannot be used to purchase from your business.