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Below is a list of common credit card decline codes that typically require customers to contact their bank for further assistance, as these issues can only be resolved by the card issuer:
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05 – Do Not Honor: The bank has declined the transaction without providing a specific reason. Please contact your bank.
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07 – Pick Up Card (Special Condition): The card has been reported lost or stolen. Contact your bank immediately.
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12 – Invalid Transaction: The transaction was rejected due to an invalid entry or improper card use. Your bank can provide more details.
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41 – Lost Card, Pick Up (Fraudulent): The card has been reported lost and should not be used. Please contact your bank.
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43 – Stolen Card, Pick Up (Fraudulent): The card has been reported stolen. Contact your bank to resolve the issue.
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51 – Insufficient Funds: There are insufficient funds to complete the transaction. You may need to add funds or speak with your bank.
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54 – Expired Card: The card has expired. Contact your bank to obtain a new card.
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57 – Transaction Not Permitted to Cardholder: This transaction type is restricted by your bank. Please contact your bank for more information.
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62 – Restricted Card: The card has usage restrictions, such as geographic or merchant limits. Contact your bank for clarification.
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65 – Activity Limit Exceeded: The card has reached its daily transaction limit. You may need to request a limit increase from your bank.
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91 – Issuer or Switch Inoperative: A temporary issue with the card issuer or network occurred. Your bank can provide further information.
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93 – Transaction Cannot Be Completed, Violation of Law: The transaction is blocked due to legal or regulatory reasons. Please contact your bank.
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N7 – Decline for CVV2 Failure: The transaction was declined due to a CVV mismatch or security issue. Verify your details with your bank.
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R0 or R1 – Stop Payment Order: The transaction was blocked by a stop payment order at your request. Confirm this with your bank.
If you encounter any other decline codes or reasons, please submit a ticket so we can investigate further.