The following sections list and describe the most common credit/debit transaction decline messages and their corresponding network decline codes. They also provide guidance on how to address these decline codes when processing transactions.

There are insufficient funds on this card to complete this payment.

The Insufficient Funds codes are the most common decline codes that occur at PayNearMe. They indicate that the debit or credit account is over its limit and cannot process the transaction. Consumers can call their card issuer to request more credit, can resubmit the transaction for a lower payment amount (if applicable), or can use another card or a different payment method.

Network Codes: 51, 116, 216, T9
Hard Decline: No
Summary Advice: Try a lower payment amount, use another payment method to complete the payment, or call the card issuer using the number on the back of the card to request authorization and/or a credit limit increase.

This payment didn’t complete because the security code was invalid.

Typically, these decline codes occur when the CVV code was incorrectly entered, and the card issuer cannot approve the transaction. This could be because of a simple typo, or it could indicate a problem with the payment processing system. Advise the consumer to verify his/her information and resubmit the transaction. If the problem persists, the consumer should use another card or a different payment method.

Network Codes: N7, 82
Hard Decline: No
Summary Advice: The payment did not complete because the CVV code is invalid or missing. Verify the information and resubmit the transaction. If that doesn’t work, use another card or a different payment method.

The bank for your debit card refused to process a payment. Contact the bank or try a different payment method.

This decline code indicates that the card issuer suspects the card is fraudulent. Advise the consumer to use a different payment method, such as cash, to complete the payment. Additionally, you should monitor transactions processed after any declined payment receiving this error to check for fraudulent transactions on alternative cards.

Network Codes: 59
Hard Decline: YES
Summary Advice: The card issuer has declined the transaction due to suspected fraud. Use a different payment method (e.g., bank account, cash).

This card is not permitted to make this payment.

Network Code: 05, 200

This decline message means the issuing bank will not validate the transaction and return an authorization code/token to complete the payment. This code can trigger for a myriad of reasons, including the following:

The card has been locked after multiple declined payments
The bank put a hold on the card
AVS/CVV data inconsistencies
Geographic blocks
Velocity checks
Internal issuer fraud checks
Insufficient funds

Sometimes an issuer will return this code simply because they haven’t updated their legacy processing systems with newer, more detailed decline codes. PayNearMe has resources that can indicate whether the issue involves an AVS failure or AVS system malfunction (i.e., The address didn’t match the card’s address). In that case, the consumer should verify that he/she entered the correct information and retry the payment. In all other cases, the consumer should use another card or a different payment method (e.g., cash, bank account).

Hard Decline: YES
Summary Advice: Use a different payment method (e.g., bank account, cash).

Network Code: 34

This message indicates that the card number has been flagged by the card issuer for suspected fraud. Advise the consumer to use a different payment method like cash or a mobile wallet, which comes with merchant fraud protections.

Hard Decline: YES
Summary Advice: This card number has been reported for fraud. Use a different payment method (e.g., bank account or cash).

Network Code: 40

The decline message occurs when the consumer’s card issuer does not allow this type of transaction with this card. Advise the consumer to use another card or a different payment method.

Hard Decline: YES
Summary Advice: The card issuer does not allow for this type of transaction. Use a different payment method (e.g., bank account or cash).

Network Code: 46

This message indicates that the consumer’s card issuer is refusing the transaction because of an account closure or a validation issue. Advise the consumer to use another card or a different payment method.

Hard Decline: YES
Summary Advice: The customer's issuing bank declined the transaction due to account closure or a validation issue. Call the card issuer for more information and use a different payment method.

Network Code: 56

The decline message indicates that the consumer is attempting a transaction with a non-existent credit card number. Advise the consumer to use another card or a different payment method.

Hard Decline: YES
Summary Advice: The submitted account number does not exist. Use another credit/debit card or a different payment method.

Network Code: 77

This message indicates that the provided credit or debit card account number doesn’t match any cardholder account number on the issuing bank’s master file. Advise the consumer to use another card or a different payment method.

Hard Decline: YES
Summary Advice: The provided credit/debit card account number doesn't match any cardholder account number on the issuing bank’s master file. Use a different payment method (e.g., bank account, cash).

Network Code: 83

Hard Decline: YES
Summary Advice: The card issuer declined the transaction because of suspected fraud. Use a different payment method (e.g., bank account, cash).

Network Code: 88

This decline message indicates that the credit/debit card information provided by the consumer cannot be found on the issuing bank’s master file. Advise the consumer to use a different payment method (e.g., bank account, cash).

Hard Decline: YES
Summary Advice: The provided credit/debit card information cannot be found on the issuing bank’s master file. Use a different payment method (e.g., bank account, cash).

Network Code: 100

The card has been locked after multiple declined payments
The bank put a hold on the card
AVS/CVV data inconsistencies
Geographic blocks
Velocity checks
Internal issuer fraud checks
Insufficient funds

Sometimes an issuer will return this code simply because they haven’t updated their legacy processing systems with newer, more detailed decline codes. Advise the consumer to either contact the issuing bank to investigate the problem or use another card/different payment method (e.g., cash, bank account).

Hard Decline: YES
Summary Advice: Use a different payment method (e.g., bank account, cash). Contact the issuing bank for more information.

Network Code: 107

This decline message can be triggered for a variety of reasons:

Suspected Fraud (like a stolen card)
Expired Card
Invalid CVV
Insufficient Funds

Additionally, a card issuer could decline a card because of internal anti-fraud velocity checks, overdue payments, or a suspected duplicate transaction. Only the issuer knows specifically why the card was declined. Typically, this code is a hard decline if all the card data fields were submitted with the correct information. The customer will need to provide another credit card or use a different payment method to complete the transaction. If the customer wants more information on why the card declined, he/she will need to contact the card’s issuer.

Hard Decline: YES
Summary Advice: Use a different card or another payment method. Contact the issuing bank for more information on the issue.

Network Code: 108

This code indicates that the card issuer has flagged the card for fraud or counterfeit activity. As this is likely a stolen card, the merchant should proceed with caution when accepting payment from this consumer, specifically if he/she wants to use an alternative credit/debit card. Advise the consumer to use a different payment method like cash or a mobile wallet, which comes with merchant fraud protections.

Hard Decline: YES
Summary Advice: The card issuer declined the transaction because of suspected fraud. Use a different payment method (e.g., bank account, cash).

Network Code: 115

This decline code occurs when the consumer’s card is not configured for the type of transaction he/she is attempting to process. For example, this code may trigger if a consumer is attempting to buy movie tickets with his/her HSA debit card. The consumer can call his/her card issuer and request the authorization or use another card or a different payment method.

Hard Decline: No
Summary Advice: This card is not configured for this type of transaction. Call the card issuer to request authorization and then retry the transaction. You can also use another credit card or a different payment method.

Network Code: 119

This decline message occurs when the consumer’s card is not configured for the type of transaction he/she is attempting to process. For example, this code may trigger if a consumer is attempting to buy movie tickets with his/her HSA debit card. The consumer can call his/her card issuer and request the authorization or use another card or a different payment method.

Hard Decline: No
Summary Advice: This card is not configured for this type of transaction. Call the card issuer to request authorization and then retry the transaction. You can also use another credit card or a different payment method.

Network Code: SE

This decline code occurs when the consumer’s card is not eligible or configured for the type of transaction he/she is attempting to process. For example, this code may trigger if a consumer is attempting to buy movie tickets with his/her HSA debit card. The consumer can call his/her card issuer and request the authorization or use another card or a different payment method.

Hard Decline: No
Summary Advice: This card is not eligible for this type of transaction. Call the card issuer to request authorization and then retry the transaction. You can also use another credit card or a different payment method.

Network Code: ZR

The BIN for this credit or debit card is not supported. Use a different card or another payment method and contact the bank or issuer for more information on this issue.

Hard Decline: YES
Summary Advice: The bank does not support this card. Use a different card or another payment method. Contact the bank or issuer for more information on this issue.

Network Code: 422_3C55602E

Hard Decline: YES
Summary Advice: Use a different card or another payment method. Contact the issuing bank for more information on the issue.

The amount exceeds the card account’s transaction limit. Please try a lesser amount; otherwise, the issuing bank may be able to adjust the limit.

This decline message indicates that the attempted transaction exceeds the given limit on the account. Advise the consumer to pay less money (if applicable) or use a different payment method.

Network Code: 61
Hard Decline: No
Summary Advice: The transaction amount exceeds this card’s withdrawal amount. If applicable, pay a smaller amount, use another card or a different payment method, or call the issuer or the bank to request authorization or a limit increase.

This card is not permitted to make this kind of payment.

Network Code: 02

This decline message is associated with the 02 – Refer to Card Issuer’s Special Condition network decline code. Only the issuer knows why a “special condition” triggered a decline—and they’re not sharing (at least not with you). Common reasons for this decline code can include an unusually large purchase, unusual activity on the card (e.g., a transaction in New York City followed by a transaction in Austin 10 minutes later), or if the customer has been traveling and used the card in locations way outside his/her billing address. The customer can call his/her card-issuing bank to investigate the issue and request authorization or can complete the transaction using another credit card or a different payment method.

Hard Decline: YES
Summary Advice: Use a different card or another payment method. Contact the bank or issuer for more information on the issue.

Network Code: 57

Card configuration issues typically trigger this decline message. The issuing bank will not permit the transaction because of how the card is configured. For example, if a consumer is attempting an online purchase, but the card is not configured for a card-not-present transaction. The consumer can call his/her issuer and request an authorization or use another card or different payment method.

Hard Decline: No
Summary Advice: This card is not configured for this type of transaction. Call the card issuer to request authorization and then retry the transaction. You can also use another credit card or a different payment method.

Network Code: 58

This decline message can occur when the merchant processing account is not properly configured and is not set up to receive the type of payment the consumer is trying to use. For example, the consumer could be attempting the transaction with an American Express card when your point-of-sale system is not configured to accept these types of transactions. This error code can also occur when the consumer is trying to process the transaction with a test credit card. When test credentials are run through a live gateway, the transaction cannot go through. Advise the consumer to use another credit card or a different payment method.

Hard Decline: No
Summary Advice: There is an error in your merchant configuration. Contact your merchant service provider.

Network Code: 67

Hard Decline: YES
Summary Advice: The card issuer declined the transaction because of suspected fraud. Use a different payment method (e.g., bank account, cash).

Network Code: 78

This decline message can occur when a new cardholder fails to activate or “unblock” his/her card before using it. Additionally, this error can occur when the issuing bank cannot find an account for the given card number. The consumer can call his/her issuer and request an authorization or user another card or different payment method.

Hard Decline: YES
Summary Advice: The card issuer cannot find an account for this card number. Use another card or a different payment method.

Network Code: 114

This decline message is specifically for debit cards and occurs when the issuer cannot find the checking account associated with the debit card number. The consumer should call his/her bank to investigate the issue. If that does not resolve the problem, advise the consumer to use a different payment method.

Hard Decline: No
Summary Advice: There is no checking account associated to this debit card. Use a different payment method (e.g., bank account, cash).

Network Code: R1

The cardholder has called his/her bank to block the specific merchant. The consumer should use a different payment method (i.e., cash).

Hard Decline: YES
Summary Advice: The cardholder has called his/her bank to block the specific merchant. The consumer should use a different payment method (i.e., cash).

This card number is invalid

This decline message indicates that the submitted card data was entered incorrectly. This error can occur with the account number (PAN), the expiration date, zip code, or the CVV. Advise the consumer to verify the submitted information, correct the errors, and resubmit the transaction.

Network Code: 14, 111
Hard Decline: No
Summary Advice: Verify the submitted credit card information and resubmit the transaction. If that still doesn't work, use another credit card or another payment method.

This payment with this card is invalid.

This decline message indicates that the issuer declined the transaction because the consumer submitted incorrect card details or an invalid format or field. This can occur for several reasons:

The expiration date is invalid.
The card number is wrong.
An AVS check failed.
The card has been canceled or flagged by the issuer as invalid.

The consumer has tried running the card several times in a row and the issuer has flagged it as fraud.
Advise the consumer to verify the submitted information and rerun the transaction. If the submitted data was correct, the consumer should use another card or a different payment method.

Network Code: 12
Hard Decline: No
Summary Advice: One or more of the card details was entered incorrectly. Verify the information and attempt the payment again or use a different payment method.

This lost card is not permitted to make this payment.

This card has been reported lost (41/208) or stolen (43/209) and has been locked by the card issuer. Advise the consumer to use a different payment method, such as cash, to complete the payment.

Network Code: 41, 43, 208, 209
Hard Decline: YES
Summary Advice: This card has been reported lost or stolen. Use a different payment method (e.g., bank account or cash).

This card is expired.

Network Code: 33, 54

This decline message occurs when the consumer attempts a transaction with an expired card. The consumer should use another card or a different payment method.

Hard Decline: YES
Summary Advice: This card has expired. Use another credit/debit card or a different payment method.

Network Code: 101, 201

This decline message indicates that either the consumer’s card has expired, or the expiration date was incorrectly submitted. The consumer should verify the expiration date. If the date was incorrectly entered, he/she should correct the error and resubmit the transaction. If the card has expired, the consumer should use another card or a different payment method.

Hard Decline: No
Summary Advice: The card has expired, or the expiration date was entered incorrectly. If the card is still active, try entering the expiration date again and retry the transaction.

This card is restricted and cannot make this payment.

Network Code: 62

This decline message indicates that the consumer’s card is restricted to where it can be used. This can occur if the merchant is using a “generic” MCC code where the card issuer may restrict the transaction. It can also occur because the issuer only allows the consumer to use the card at certain types of businesses or for certain types of purchases. For example, a consumer could not use a corporate debit card for gym membership based on its industry code (SIC) or an HSA card to purchase movie tickets. Advise the consumer to use another card or a different payment method.

Hard Decline: No
Summary Advice: This card cannot be use for this transaction. Use another credit card or a different payment method.

Network Code: 63

Typically, this decline message occurs when the CVV code was incorrectly entered, and the card issuer cannot approve the transaction. This could be because of a simple typo, or it could indicate a problem with the payment processing system. Advise the consumer to verify his/her information and resubmit the transaction. If the problem persists, the consumer should use another card or a different payment method.

Hard Decline: No
Summary Advice: The submitted CVV code does not match the security code associated with the credit card number. Verify the card information and resubmit the transaction. If that doesn’t work, use another credit card or a different payment method.

The bank for your debit card is not accepting it. Try again or try a different payment method.

This decline message can be triggered for a variety of reasons:

Suspected Fraud (like a stolen card)
Expired Card
Invalid CVV
Insufficient Funds

Network Code: 01
Hard Decline: YES
Summary Advice: Use a different card or another payment method. Contact the bank or issuer for more information on the issue.

This card cannot be used because it has a frequency withdrawal limit. Try again later.

This decline message indicates that the customer has either exceeded his/her credit limit or he/she has reached the maximum number of permitted transactions for a given period. If possible, the consumer could attempt to pay less or use a different payment method.

Network Code: 65, 123
Hard Decline: No
Summary Advice: The customer has exceeded his/her credit limit or has reached the maximum number of permitted transactions for a given period. Use another credit card or a different payment method.

The bank that issued your debit card is temporarily unavailable. Try again or try a different payment method.

This message indicates that the consumer’s card issuer cannot be contacted to authorize the transaction. The consumer should wait a few minutes and then attempt the transaction again. If the problem persists, the consumer should use a different payment method to complete the transaction and then contact his/her bank to investigate the issue.

Network Code: 91, EU, 907
Hard Decline: No
Summary Advice: The card issuer is temporarily unavailable. Wait 15 minutes and then retry the transaction. If that doesn’t work, use another credit card or a different payment method.

This card is not acceptable to make this payment.

This message can indicate a problem with the merchant’s configuration, such as an invalid/inactive Merchant ID number. Merchants should contact their transaction service provider(s) to verify that their accounts are still in good standing and to see if any changes have occurred with their configurations.

Network Code: 03
Hard Decline: No
Summary Advice: Try the payment again in 24 hours or use a different payment method (i.e., cash, ach).

This card is invalid.

Network Code: 04

This decline message indicates that the card has been reported as lost or stolen but has not been flagged for fraudulent use. Typically, this occurs when the consumer loses his/her card, calls the issuer to freeze or lock the card, finds the card again, and then attempts a transaction without calling the card issuer back to unlock the card. The consumer can call his/her issuer to remove the lock and retry the transaction or can use another credit card or different payment method.

Hard Decline: YES
Summary Advice: The card has been reported lost or stolen and the bank has frozen/locked the account. Call the bank to unfreeze the account and try again or use a different payment method.

Network Code: 07

This message indicates that the card issuer has flagged the card for fraud or counterfeit activity. As this is likely a stolen card, the merchant should proceed with caution when accepting payment from this consumer, specifically if he/she wants to use an alternative credit/debit card. Advise the consumer to use a different payment method like cash or a mobile wallet, which comes with merchant fraud protections.

Hard Decline: YES
Summary Advice: This card has been flagged for suspected fraud. Use a different payment method (e.g., cash).

Network Code: 15

This message occurs when the first digit of the credit card account number (PAN), which identifies the issuer, is entered incorrectly. Advise the consumer to verify the account number, correct the error, and resubmit the transaction.

Hard Decline: No
Summary Advice: Verify the submitted credit card information and resubmit the transaction. If that still doesn't work, use another credit card or another payment method.

Network Code: 30

This decline message occurs when the card issuer does not recognize the submitted transaction details because of a format error. Advise the consumer to verify the card and address details, correct any errors, and then resubmit the transaction.

Hard Decline: No
Summary Advice: A formatting error occurred. Verify the submitted card information and then resubmit the transaction. If that doesn’t work, use another credit card or another payment method.

Network Code: 93

The card issuer has declined the transaction. Contact the issuer or bank for more information and use another credit card or a different payment method to complete the transaction.

Hard Decline: YES
Summary Advice: The card issuer has declined the transaction. Contact the issuer or bank for more information and use another credit card or a different payment method to complete the transaction.

Network Code: 102

This message indicates that the card issuer suspects the card is fraudulent. Advise the consumer to use a different payment method, such as cash, to complete the payment. Additionally, the merchant should monitor transactions processed after any declined payment receiving this error to check for fraudulent transactions on alternative cards.

Hard Decline: YES
Summary Advice: The card issuer has declined the transaction due to suspected fraud. Use a different payment method (e.g., bank account, cash).

Network Code: 104

Hard Decline: No
Summary Advice: This card cannot be used for this transaction. Use another credit card or a different payment method.

Network Code: T3

This card has been reported lost and has been locked by the card issuer. The consumer can attempt to contact his/her issuing bank to unlock the card and can use a different payment method, such as cash, to complete the payment.

Hard Decline: No
Summary Advice: This card has been reported lost. Advise the consumer to contact the issuing bank for more information and/or use a different payment method (e.g., bank account or cash).

This payment exceeds this card’s withdrawal limit.

This decline code indicates that the attempted transaction exceeds the given withdrawal limit on the account. Advise the consumer to withdraw less money or use a different payment method.

Network Code: 121, 181
Hard Decline: No
Summary Advice: The transaction amount exceeds this card’s withdrawal amount. If applicable, pay a smaller amount, use another card or a different payment method, or call the issuer or the bank to request authorization or a limit increase.

The bank for your debit card suggests trying again.

This message occurs when a transaction is run but just doesn’t process. The issuing bank typically does not provide a reason for why the transaction does not process. This could be a temporary communication malfunction. Advise the consumer to wait a few minutes, then re-enter the card information and attempt the transaction again. If the problem persists, the consumer will need to complete the transaction using a different payment method and then call his/her bank to get more information about the error/malfunction.

Network Code: 19
Hard Decline: No
Summary Advice: Verify the submitted credit card information and resubmit the transaction. If that still doesn't work, use another credit card or another payment method.

This card was declined.

This message can be triggered for a variety of reasons:

Suspected Fraud (like a stolen card)
Expired Card
Invalid CVV
Insufficient Funds

Network Code: ZN
Hard Decline: No
Summary Advice: Use a different payment method (e.g., bank account, cash).

This card is not permitted to make this type of payment.

Network Code: 36

The card has been reported lost or stolen and the card issuer has flagged the card for suspected fraud or counterfeit activity. Advise the consumer to use a different payment method like cash. Additionally, the merchant should monitor transactions processed after any declined payment receiving this error to check for fraudulent transactions on alternative cards.

Hard Decline: YES
Summary Advice: The card issuer has declined the transaction on suspicion of fraud. Use a different payment method (e.g., bank account or cash).

Network Code: 52

Hard Decline: No
Summary Advice: The customer’s card issuer declined the transaction because the debit card number is associated to a checking account that does not exist. Use a different payment method.

Network Code: 53

This decline code is specifically for debit cards and occurs when the issuer cannot find the savings account associated with the debit card number. The consumer should call his/her bank to investigate the issue. If that does not resolve the problem, advise the consumer to use a different payment method.

Hard Decline: No
Summary Advice: The customer’s card issuer declined the transaction because the debit card number is associated to a savings account that does not exist. Use a different payment method.

Network Code: 214

This decline code indicates that the card number has been flagged by the card issuer for suspected fraud. Advise the consumer to use a different payment method like cash or a mobile wallet, which comes with merchant fraud protections.

Hard Decline: YES
Summary Advice: This card number has been reported for fraud. Use a different payment method (e.g., bank account or cash).

Network Code: SV

This decline message indicates that recurring payments are no longer authorized for this debit or credit card by the issuing bank. If this is not a recurring payment, call the issuing bank and request the authorization; otherwise, use a different card or another payment method.

Hard Decline: No
Summary Advice: Indicates the issuing bank no longer authorizes recurring payments with this card. Use a different card or another payment method.

The bank for your debit card didn’t respond for this payment. Contact the bank or try again later.

The processing system timed out while attempting to make this payment. Wait 15 minutes and then retry the transaction. If that doesn’t work, use another credit card or a different payment method.

Network Code: E9
Hard Decline: No
Summary Advice: The processing system timed out while attempting to make this payment. Wait 15 minutes and then retry the transaction. If that doesn’t work, use another credit card or a different payment method.

This payment amount isn’t valid for this card.

This decline message typically occurs when the consumer submits an invalid transaction amount, such as a non-numerical symbol (e.g., a dollar sign). Advise the consumer to remove any errant characters and resubmit the transaction.

Network Code: 13
Hard Decline: No
Summary Advice: Re-enter the transaction information and ensure that only numerical characters are entered in the amount field (i.e., do not include currency symbols).

Number of PIN attempts exceeded maximum allowable.

This decline message occurs when the consumer enters the incorrect PIN three or more times when attempting a transaction. Advise the consumer to use a different payment method.

Network Code: 75, 38
Hard Decline: No
Summary Advice: The customer has entered the incorrect PIN number three or more times. Use a different payment method (e.g., bank account or cash).

This card’s financial institution is unavailable for verification.

Network Code: 92, 908
Hard Decline: No
Summary Advice: The card issuer or financial institution cannot be found for routing. Wait 15 minutes and then retry the transaction. If that doesn’t work, use another credit card or a different payment method.

This expiration date is incorrect.

The expiration date was entered incorrectly as the submitted value does not match the date associated with the card. Try entering the expiration date again and retry the transaction.

Network Code: S9
Hard Decline: No
Summary Advice: The expiration date was entered incorrectly as the submitted value does not match the date associated with the card. Try entering the expiration date again and retry the transaction.

This card’s financial institution is unavailable. Try again later.

Network Code: 96
Hard Decline: No
Summary Advice: The card issuer was unable to process the transaction. Wait 15 minutes and then retry the transaction. If that doesn’t work, use another credit card or a different payment method.

This account has been closed.

The card issuer or financial institution reports this account is closed. Use another payment method (e.g., cash).

Network Code: SD, T4
Hard Decline: YES
Summary Advice: The card issuer or financial institution reports this account is closed. Use another payment method (e.g., cash).

This card is inactive. Contact the issuing bank.

The card issuer is reporting this card is inactive. Use a different card or another payment method. Contact the bank or issuer for more information on the issue.

Network Code: SA
Hard Decline: No
Summary Advice: The card issuer is reporting this card is inactive. Use a different card or another payment method. Contact the bank or issuer for more information on the issue.

The bank that issued your debit card had a processing error. Try again or try a different payment method.

An unknown, backend processing error has occurred. Wait 15 minutes and try again or use another payment method (e.g., cash).

Network Code: RR
Hard Decline: No
Summary Advice: An unknown, backend processing error has occurred. Wait 15 minutes and try again or use another payment method (e.g., cash).

The security code is invalid.

Typically, this decline code occurs when the CVV code was incorrectly entered, and the card issuer cannot approve the transaction. This could be because of a simple typo, or it could indicate a problem with the payment processing system. Advise the consumer to verify his/her information and resubmit the transaction. If the problem persists, the consumer should use another card or a different payment method.

Network Code: 89, E3, EO, SR
Hard Decline: No
Summary Advice: The submitted CVV code does not match the security code associated with the credit card number. Verify the card information and resubmit the transaction. If that doesn’t work, use another credit card or a different payment method.

Incorrect PIN

This decline code occurs when the consumer enters the wrong PIN at checkout. Advise the consumer to re-enter his/her PIN and resubmit the transaction.

Network Code: 55
Hard Decline: No
Summary Advice: The submitted PIN is incorrect. Verify the submitted value and then re-submit the transaction.

This card is inactive. Contact the bank or try a different payment method.

This decline message occurs when the issuing bank indicates that the account associated with this debit or credit card is dormant and no longer active. Advise the consumer to contact his/her bank for more information and to complete the payment using a different card or another payment method.

Network Code: T5
Hard Decline: No
Summary Advice: The account associated with this card is listed as dormant. Use another card or a different payment method.

The zip code was correct, but the address does not match for this card.

This decline message indicates that the billing address for the card (except the ZIP code) does not match the data on file with the issuing bank. Verify the address information and retry the transaction. If that doesn’t work, use a different card or another payment method.

Network Code: 85A
Hard Decline: No
Summary Advice: The billing address for the card (except the ZIP code) does not match the data on file with the issuing bank. Verify the address information and retry the transaction. If that doesn’t work, use a different card or another payment method.

The zip code and address do not match for this card

This decline message indicates that the submitted billing address does not match any address data on file with the issuing bank. Verify the address information and retry the transaction. If that doesn’t work, use a different card or another payment method.

Network Code: 85N
Hard Decline: No
Summary Advice: The submitted billing address does not match any address data on file with the issuing bank. Verify the address information and retry the transaction. If that doesn’t work, use a different card or another payment method.

The address verification data is temporarily unavailable for this card. Try again later.

This message indicates that the AVS system is currently unavailable. Advise the consumer to wait a few minutes and retry the transaction or use a different payment method (e.g., cash) to complete the payment.

Network Code: 85R
Hard Decline: No
Summary Advice: The AVS system is currently unavailable. Wait a few minutes to retry the transaction or use a different payment method (e.g., cash) to complete the payment.

The address verification data is unavailable for this card

This decline message indicates that the AVS system is currently unavailable. The consumer can wait a few minutes and retry the transaction or can complete the payment using another payment method.

Network Code: 85U
Hard Decline: No
Summary Advice: The AVS system is currently unavailable. The consumer can wait a few minutes and retry the transaction or can complete the payment using another payment method.

The transaction failed to complete (). Please try again later, try a different payment account, or contact the card department of your issuing bank.

This decline message is a generic error message that displays when the card authorization cannot be completed, but we aren’t sure why. This decline code occurs when communication fails during either the first part of the transaction process or during authorization. When the consumer presents his/her card for payment, the merchant sends a request for authorization. The payment processor delivers a request to the card association, which sends a request to the issuing bank. This error occurs during this initial authorization process and indicates that the card association ran into an error retrieving information from the card-issuing bank. Typically, this error is temporary, and after waiting a few minutes, the consumer should try the transaction again. If the issue persists, the consumer should use a different payment method and then call his/her bank to investigate the problem.

Network Code: N/A
Hard Decline: No
Summary Advice: An internal error occurred. Wait a few minutes to retry the transaction or use another payment method.

Your payment exceeds this card’s transaction limit or it had a processing error. Try a different payment method.

This decline message is a generic error message that displays when authorization cannot be completed—either because the card is over its authorized limit or another processing error occurred. Advise the consumer to use another card or a different payment method like cash or his/her bank account.

Network Code: N/A
Hard Decline: No
Summary Advice: Either the transaction amount exceeds this card’s payment amount or another type of processing error occurred. If applicable, pay a smaller amount, use another card or a different payment method, or call the issuer or the bank to request authorization or a limit increase.