This article contains details of Mastercard & Visa decline return codes, and a detailed explanation of each response.
Mastercard Decline Return Codes
|
Scheme Response Code |
Merchant Advice Code |
Merchant Advice Description |
Examples of Reason for Decline |
Suggested Merchant Action |
|
00 05 14 |
1 | Updated/additional information needed |
• Expired card |
Obtain new account information before next billing cycle |
| 51 | 2 | Try again later |
• Over credit limit |
Retry transaction 72 hours later |
|
05 14 |
3 | Do not try again |
• Account closed |
Do not retry. Obtain another type of payment from cardholder |
|
5 |
21 |
Payment Cancellation |
• Cardholder cancelled recurring agreement |
Do not resubmit transaction |
Visa Decline Return Codes
| Category 1: Issuer will never approve | ||
| 4 | Pick up card [no fraud] | Reattempt not permitted |
| 7 | Pick up card, special condition [fraud account] 12 | Reattempt not permitted |
| (Invalid Transaction) | ||
| 14 | Invalid account number [no such number]1 | Reattempt not permitted |
| 15 | No such issuer [first 8 digits of account number do not relate to an issuing identifier] | Reattempt not permitted |
| 41 | Lost card, pick up | Reattempt not permitted |
| 43 | Stolen card, pick up | Reattempt not permitted |
| 46 | Closed account | Reattempt not permitted |
| 57 | Transaction not permitted to cardholder | Reattempt not permitted |
| R0 | Stop payment order2 | Reattempt not permitted |
| R1 | Revocation of authorization order2 | Reattempt not permitted |
| R3 | Revocation of all authorizations order2 | Reattempt not permitted |
| Category 2: Issuer cannot approve at this time | ||
| 3 | Invalid merchant | Reattempt permitted up to 15 attempts in 30 days |
| 19 | Re-enter transaction | Reattempt permitted up to 15 attempts in 30 days |
| 51 | Not sufficient funds | Reattempt permitted up to 15 attempts in 30 days |
| 59 | Suspected fraud | Reattempt permitted up to 15 attempts in 30 days |
| 60 | Exceeds approval amount limit | Reattempt permitted up to 15 attempts in 30 days |
| 61 | Restricted card [card invalid in region or country] | Reattempt permitted up to 15 attempts in 30 days |
| 65 | Exceeds withdrawal frequency limit | Reattempt permitted up to 15 attempts in 30 days |
| 78 | Blocked, first used, or special condition [account is temporarily blocked] | Reattempt permitted up to 15 attempts in 30 days |
| 91 | Issuer or switch inoperative | Reattempt permitted up to 15 attempts in 30 days |
| 93 | Transaction cannot be completed – violation of law | Reattempt permitted up to 15 attempts in 30 days |
| 96 | System malfunction | Reattempt permitted up to 15 attempts in 30 days |
| Category 3: Data quality, Revalidate payment information | ||
| 14 | Invalid account number [no such number]1 | Reattempt not permitted |
| 54 | Expired card or expiration date missing | Reattempt not permitted |
| 82 | Negative Online CAM, dCVV, iCVV, or CVV results3 | Reattempt not permitted |
| 1A | Additional customer authentication required [Europe Region only] | Reattempt not permitted |
| 6P | Verification Failed [Cardholder Identification does not match issuer records] | Reattempt not permitted |
| N7 | Decline for CVV2 failure | Reattempt not permitted |