Credit card declines can occur for various reasons, and each decline is typically accompanied by a specific decline code or message. These codes help merchants and customers understand why a transaction was declined. While the specific codes and their meanings can vary slightly depending on the credit card network and the issuing bank, here are some common credit card decline codes and their general meanings:
Clinic HQ is not given any additional information beyond the decline code and cannot provide insight into why the card was declined.
Card Declined (General):
Code 05: Do Not Honor – The issuing bank is declining the transaction, and the cardholder should contact their bank for more information.
Rapid Refund Activity Detected – There are refund thresholds in place to prevent fraud. The default is 50 refunds in 24 hours or 10 within 2 minutes. If you are constantly getting this message, please call MP Group at 770-818-6188 to review your account. It’s possible there is a lock on your account.
Code 51: Insufficient Funds – The cardholder does not have enough available credit or funds in their account to cover the transaction.
Expired Card:
Code 54: Expired Card – The card being used has expired, and the cardholder needs to update their card information.
Invalid Card Number:
Code 14: Invalid Card Number – The card number entered is not valid.
Incorrect PIN:
Code 55: Incorrect PIN – The PIN entered for a debit transaction is incorrect.
Suspected Fraud:
Code 62: Decline of Authorization – The issuing bank suspects fraudulent activity, and the cardholder should contact their bank.
Card Not Activated:
Code 78: No Account – The card has not been activated by the cardholder.
Cardholder Dispute:
Code 83: Fraudulent Card – The cardholder has reported the card as lost or stolen.
Issuer Unavailable:
Code 91: Issuer Unavailable – The issuing bank is temporarily unable to authorize the transaction.
Exceeds Withdrawal Limit:
Code 93: Cannot Complete, Violation of Law – There’s a violation on the customer account, and the issuing bank has prevented the transaction.
Code 65: Exceeds Withdrawal Limit – The withdrawal amount exceeds the cardholder’s daily limit.
Restricted Card:
Code 36: Restricted Card – The card may be restricted from certain types of transactions, such as online purchases.
System Error:
Code 96: System Error – There was an issue with the card authorization system.
It’s important to note that these codes can vary, and different card networks (e.g., Visa, Mastercard, American Express) and issuing banks may use slightly different codes or messages. When a transaction is declined, the best course of action is for the cardholder to contact their issuing bank for specific information about why the transaction was declined and how to resolve the issue.
Here is a more comprehensive list of various declined reasons.
A complete list of credit card decline reasons can be quite extensive because different credit card networks and issuing banks may use unique codes and messages to indicate why a transaction was declined. However, I can provide a more comprehensive list of common decline reasons:
Do Not Honor Codes:
05: Do Not Honor
41: Lost Card
43: Stolen Card
51: Insufficient Funds
52: No Checking Account
53: No Savings Account
54: Expired Card
55: Incorrect PIN
57: Transaction Not Permitted to Cardholder
61: Exceeds Withdrawal Limit
62: Restricted Card
63: Security Violation
65: Exceeds Withdrawal Frequency
78: No Account
Issuer Unavailable or System Error Codes:
91: Issuer Unavailable
92: Destination Not Found
93: Transaction Cannot Be Completed
94: Duplicate Transmission
96: System Error
97: System Malfunction
Suspected Fraud or Security Concerns Codes:
03: Invalid Merchant or Service Provider
12: Invalid Transaction
13: Invalid Amount
14: Invalid Card Number
15: No Such Issuer
23: Unacceptable Transaction Fee
24: File Update Not Supported
25: Unable to Locate Record
26: Duplicate Record
27: File Update Field Edit Error
28: File Update File Locked
29: File Update Failed
30: Format Error
31: Bank Not Supported by Switch
32: Completed Partially
34: Suspected Fraud
35: Contact Acquirer
36: Restricted Card
37: Call Card Issuer
38: Allowable PIN Tries Exceeded
39: No Credit Account
40: Requested Function Not Supported
42: No Universal Account
44: No Investment Account
45: Account Closed
46: No Card Record
47: No Savings Account
48: No Checking Account
49: Reserved for Future Use
Other Codes:
75: PIN Tries Exceeded
76: Reserved for National Use
77: Reserved for Private Use
98: Reserved for Future Use
Please note that the specific codes and messages can vary, and new codes may be introduced by card networks or issuers over time. When a transaction is declined, it’s important for the cardholder or merchant to refer to the specific decline message provided, contact the cardholder’s issuing bank for more information, and take appropriate action to resolve the issue.
