Each numerical code corresponds to a different reason a transaction may be declined, such as the card in question being reported lost or stolen. This code generally means that the bank doesn't suspect fraud. Usually caused by a typing error, Request the customer re-enter their card details correctly, The first digit of card number, which identifies the card issuer/scheme, was incorrectly entered, Connection interrupted during authorization process, Wait and retry transaction. In these cases, theres usually a problem with the customers account. OTA Payment Card Provider Codes OTA Profile Type (PRT) Service and Extra Charge Reference Table Strong Customer Authentication Codes . Number of Views 2.14K. First, cancel all scheduled future payments to. Restart the transaction. Successful card transactions will generally have a response code of 00 - Approved or completed successfully or 08 - Honour with Identification. This decline only appears when a refund is declined. Disclaimer: Merchant Maverick aims to provide accurate and up-to-date information to assist you in your research. The problem can be something as simple as the payment processor struggling with your card, insufficient funds, or an electronic issue connecting with your bank or credit card company. 2403: Credit card invalid for the card token. Its impossible to prevent credit processing errors altogether but there are things you can do to minimize your decline rates. The issuing bank cant find an account for the card number in question. Copyright 2022 Pay.com - All rights reserved. Customer has reported their card as lost. Please check with your bank. Similar to Decline Code 01, the financial institution that issued the card is declining the transaction. Pick up card, special condition (fraudulent). If youre the merchant, withhold the card until you can gain confirmation from the bank and customer about their identity and the cards legitimacy. Credit card declines are an unfortunate and frustrating part of doing business. The amount you entered for the transaction was invalid, usually due to a non-numerical symbol being entered along with the amount (e.g., a dollar sign). Try cleaning the card and/or the reader. The issuing bank has recognized (or has been informed of) a legal violation on the part of the credit card user, and assets have been frozen. Rates as of August 31, 2022. As a merchant, you want to avoid chargebacks and related fees and damages. Since there are multiple points of origin for credit card processing codes, and your business is only one of them, its not possible to completely prevent them. This table includes a list of all credit card error codes, exactly what they mean (the actual problem), and how to fix them. List of Credit Card Decline Codes: The Ultimate Guide to Bank Response Codes, Possible Reasons Youre Receiving Decline Code 02, How to Resolve Your Credit Card Decline Code 02. The transaction attempted is invalid. For example, any sudden change in purchasing habits, suspiciously timed purchases or larger than normal purchases can result in a decline. Customer requested stop of specific recurring payment. When youre running a credit or debit card, you may come across decline code 02. 2: You tried to pay for online purchase with a card that doesnt support online payments. You should double-check with the service provider/financial institution directly as well as obtain independent financial advice prior to making any financial commitments or business decisions. Contact the bank with the number on the back of the card, use online banking to transfer funds to the card, or use an alternate card. The customers bank stopped the transaction and told the merchant to not honor the card (not to accept payment). Call the 800 number on the back of the card. Details Code: 2 Explanation: This transaction has been declined. Declined transactions cause significant revenue losses from abandoned purchases. If you get an error code that says something is wrong on your end, you can either try to fix the problem yourself (if you have the technical knowledge) or contact your payment processor for guidance. This list doesnt represent every possible error code you could get (payment processors also have their own), but these are by far the most common. 2207: Another refund is in process. It's possible that the card has been canceled or flagged by the credit card company and is coming through as a credit card code 12. The legitimate owner has reported the card as stolen, so the card issuer denied the transaction. Divvy just newly added an additional $100 bonus to anyone who uses my link to sign upfor their business credit card; previously it was $100, right now it's $200 sent to you immediately from Divvy themselves just for opening an account, no deposits or minimum spend needed, no catch whatsoever. Get a quote and cost analysis today. 325: The request data did not pass the required fields check for this . Credit card number is associated to a savings account that does not exist. This could be due to any number of faulty operations, including trying to refund a refund. Selecting the random numbers. And, of course, it will be declined if the card is expired. Note that we are not able to provide private consultations, give advice, or answer questions. Use a credit card that is still valid. All Rights Reserved. It may also be declined if fraud alerts are triggered. Try again, and call the bank if the issue persists. Fraud is a serious and growing issue that can impact your business. The size of most credit cards is 85.60 by 53.98 millimetres (3 + 3 8 in 2 + 1 8 in) and rounded corners with a radius of 2.88-3.48 millimetres (9 80 - 11 80 in) conforming to the ISO/IEC 7810 ID-1 standard, the same size as ATM cards and other payment cards, such as debit cards.. Credit cards have a printed or embossed bank card number complying . If you get a vague, miscellaneous error code, your best bet is to try the transaction again. Advertiser Disclosure: Our unbiased reviews and content are supported in part by, An expert in personal and business loans and financial health, Chris Motola has been writing about small business finance and payments for over 5 years. Please try again: 20: No From Account: 21: No To Account: 22 . Easily customize your checkout page to match your brand. Similar to 05, the issuer is asking you not to honor the card for transactions. Other statuses indicate a problem processing the transaction. The customers bank stopped the transaction because the card or bank account has been flagged as fraudulent. An unknown error occurred, and you should try the transaction again. The issue maybe with the merchants terminal and not with your credit card at all. If its your own card, you need to call the bank ASAP with the number on the back of the card. With a quick onboarding process, you can start getting paid in no time. The issuing bank isnt allowing the transaction. No problem. The most common reasons why your Chase credit card was declined include the card not being activated or not having enough available credit. You also need to be vigilant and aware of how your own cards are being utilized. Transactional error: A cardholder incorrectly types credit card details such as the card number, CVV2 code, or PIN. The financial institution insists on 3-D Secure. Usually caused by a typing error, Request the customer retry transaction with correct information, Invalid card number entered by customer. Go to Solution. Credit card decline codes can originate from any party involved in the transaction process. Log in your Cookiebot manager and navigate to "My account" in order to check if your credit card details are correct. If the store staff is not trained properly, the cardholder uses his or her cell phone (or convinces the sales clerk to make the call) to contact someone at the issuing bank. Click here to get started with Pay.com now! Usually, this can be overridden, but at the risk of the transaction later being flagged. Processor-specific codes can be found on your POS terminal or accompanying processing guide. Explore our plans or talk to sales to find your best fit. 2019 US credit card fraud cases (Source: The Ascent). You can begin tax obligation prices when and apply them automatically further. Number of Views 11.18K. If the issue persists, try another credit card.If nothing works, its likely an issue with the merchants payment processor. Let us know how well the content on this page solved your problem today. Incorrect PIN entered on a Debit or EBT transaction. The issuing bank, which in this case may not in fact be the issuing bank, has declined the card because it cant locate an account with the cards number. In the case of fraud, you may be asked to discreetly monitor the customers attempts to pay by other means, or refuse to honor any payment attempts from the customer. Need blazing-fast, reliable, and fully secure hosting for your ecommerce website? We use cookies to ensure that we give you the best experience on our website. Can occur for a variety of reasons, Advise customers to use another payment method or contact card issuer for further information, Card reported lost or stolen but not suspected of fraudulent use, Hold the card and request that the customer contact their bank for further information. The first thing you should do when your credit card is declined is to look for the error code (or write it down if you're using the payment processor yourself). Or download the latest version of the response codes and suggestions. CID - Credit Card Identification Number. Choose Account and Settings. No technical knowledge required. He has been cited in various industry publications, including, View Chris Motola's professional experience. You can then instruct the customer to try another credit card or other form of payment. Find out what weve been up to. Bank is declining customer's card for an unspecified reason. 04/Pick Up Card (No Fraud) - This credit card has been reported stolen or lost. Keep these handy so youve always got a reference the next time you get a decline! Try adding a different credit card or payment method. DECLINE-CV2 FAIL This is typically an error with the CVV2 code entered for the card. Finally, you must take the appropriate action required to solve that particular issue. And you really need to get everything right if youre entering a payment through a virtual terminal. First, well cover some of the most common reasons a card is declined and the relevant codes associated with them before doing a deep dive into all potential credit card decline codes. You dont need to necessarily know the systemic quirks that produce a code 00 instead of a code 85, however. body a.novashare-ctt{display:block;background:#00abf0;margin:30px auto;padding:20px 20px 20px 15px;color:#fff;text-decoration:none!important;box-shadow:none!important;-webkit-box-shadow:none!important;-moz-box-shadow:none!important;border:none;border-left:5px solid #00abf0}body a.novashare-ctt:hover{color:#fff;border-left:5px solid #008cc4}body a.novashare-ctt:visited{color:#fff}body a.novashare-ctt *{pointer-events:none}body a.novashare-ctt .novashare-ctt-tweet{display:block;font-size:18px;line-height:27px;margin-bottom:10px}body a.novashare-ctt .novashare-ctt-cta-container{display:block;overflow:hidden}body a.novashare-ctt .novashare-ctt-cta{float:right}body a.novashare-ctt.novashare-ctt-cta-left .novashare-ctt-cta{float:left}body a.novashare-ctt .novashare-ctt-cta-text{font-size:16px;line-height:16px;vertical-align:middle}body a.novashare-ctt .novashare-ctt-cta-icon{margin-left:10px;display:inline-block;vertical-align:middle}body a.novashare-ctt .novashare-ctt-cta-icon svg{vertical-align:middle;height:18px}body a.novashare-ctt.novashare-ctt-simple{background:0 0;padding:10px 0 10px 20px;color:inherit}body a.novashare-ctt.novashare-ctt-simple-alt{background:#f9f9f9;padding:20px;color:#404040}body a.novashare-ctt.novashare-ctt-simple-alt:hover,body a.novashare-ctt.novashare-ctt-simple:hover{border-left:5px solid #008cc4}body a.novashare-ctt.novashare-ctt-simple .novashare-ctt-cta,body a.novashare-ctt.novashare-ctt-simple-alt .novashare-ctt-cta{color:#00abf0}body a.novashare-ctt.novashare-ctt-simple-alt:hover .novashare-ctt-cta,body a.novashare-ctt.novashare-ctt-simple:hover .novashare-ctt-cta{color:#008cc4}If your customers see one of these codes when attempting to check out on your site, learn what could be causing it with this guide Click to Tweet. If you accept credit card payments as part of your business, credit card decline codes just come with the territory. Talk with our experts by launching a chat in the MyKinsta dashboard. This form is for feedback only. Get premium content from an award-winning WordPress hosting platform. Your terminal or gateway cant find the account that was entered. Its quick and effortless. It is sent from the customer's card-issuing bank directly to your POS display, verifying that: The payment option being used is legitimate. Credit Card Decline & Error Codes: What They Mean & What You Can Do About Them. My credentials are live. They are final and cannot be overcome by retrying the transaction. Use your best judgment in how to safely deal with any potentially dangerous situation. If you see any of these decline codes appear, something is wrong with the customer's account and the transaction is being blocked by the cardholder's issuing bank. Kinsta is amazing, I use it for my personal website. There are a variety of different reasons decline code 02 may appear, but the specific reasoning is not available to the merchant. Some credit cards set a daily spending limit and your card will be declined if you spend beyond this. Then, check if the issue with your credit card/account or with the merchants terminal. Hold the card and contact the card issuer. They can occur because an activity limit on your card was hit, or because a purchase on your card was deemed as suspicious. Pros and cons of having 2 cards from the same bank. 320: The device identifier is either not registered or not enabled. If the issue persists, call the card issuer. Scam. However, the specific reason is always known by the customer's bank. There are a variety of reasons why a transaction cannot go through. Something may be wrong with the setup of your merchant account. If online, advise the customer to contact the card issuer, Card issuer declined the transaction as invalid. Wait a few minutes and try again. This includes your payment processor or gateway or your customers card issuing bank. Want all your POS hardware and software in one place? Airline Codes. Youll note that some codes are very similar to each other. For instance, your total credit card limit might be $10,000, but you have a daily spending . The errors indicate that the card-issuing institution has declined the payment due to a specific problem. Generally indicates a card error. Wait a bit and try the transaction again. It's a good idea, but Mastercard's new reason . Business Credit Cards Without Personal Guarantee, Find Accounting & Payroll Software Reviews, Discover The Best Accounting & Payroll Software In 2022, Discover The Best eCommerce Platforms In 2022, Best eCommerce Platform For Small Business, Is Dropshipping Worth It? 1. The rating of this company or service is based on the authors expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. If the problem persists, advise customer to contact card issuer, Card issuer declined the transaction due to invalid purchase amount. -- Created at 11/12/2022, 1 Replies - Dost and Dimes -- India's Fastest growing Online Shopping Community to find Hottest deals, Coupon codes and Freebies. In most cases, you should be able to resolve the problem by running the transaction again, or asking your customer if they have either another card or cash to pay with. Very often, theres an issue with the cardholders account or the card itself. Do not retry. CardConnect Errors If you are trying to process a payment that comes back declined, you can log in to your CardPointe portal to find out what the specific error is. Card expired - Solution. Our approval and decline codes are structured so that you can quickly determine the type of decline code you're dealing with: Approval Codes Decline Codes PayJunction-Specific Decline Codes Wait for the power to come back on, or look for news of local outages that might affect you.If there isnt any apparent reason, contact your merchant bank. Something in the number field of the transaction threw an error, typically because a non-numerical character was accidentally entered. Most of us have multiple cards, and it can be hard to keep track of them all. All feedback, positive or negative, helps us to improve the way we help small businesses. Read on to find out what credit card declined code 02 means and how to resolve it. You can choose the numbers randomly to generate unlimited credit card numbers that work by combining various number information, such as a phone number, name generator, etc. Check card data before repeating. The card number is invalid, and the credit card processor cant find the related account. Transaction processed successfully. Are you wondering if the reason for your blocked transaction was because youre out of funds or for location restrictions? Whatever the reason for your card getting declined, they are a way of tracking payments that aren't checking the required boxes in order to achieve a successful payment. We'll start with the bad news: Chargebacks increase by over 20% each year. Get all your applications, databases and WordPress sites online and under one roof. The issuing bank declined the transaction due to suspected fraud, but no hold/retain request. Lets reinvent financial technology together. For example, a cardholder makes a transaction from a foreign country while traveling and doesnt inform the issuing bank. If you cannot hold the card because the transaction was online, request the customer to get in touch with the card issuer. Now that weve run through what a credit decline is and the most common reasons they occur, its time to understand the various codes you may encounter.. The Card Verification Value (CVV)that three- or four-digit number on the front or back of a carddoesnt match the card or account. In reality, the cardholder has called a friend who is impersonating the bank. Test a deployment on our modern App Hosting. Another code you may encounter if a customer tries to use a flagged card. Credit card security codes also go by a few other names: CVV: Card Verification Value CVV2: Card Verification Value 2 (Visa) CVC: Card Verification Code (MasterCard) CVC2: Card Validation Code 2 (MasterCard) CVD: Card Verification Data (Discover) CID: Card Identification Number (Discover and American Express) (If you only have one, the new card should typically have arrived in the mail before the old one expires, so be sure to contact the bank.). My test card are fine and am getting sucess with transaction ID. If the issue persists, contact your bank. It may be the payment processor, the payment gateway, or most commonly, the card-issuing bank. Once logged in you'll navigate to the Reporting tab to view recent transactions: You will then click on the transaction number on the left to view the transaction details page. The terminal cannot reach the card issuer to process the transaction. She has been working in the writing sphere for the last five years, covering everything from breaking news to lifestyle features, and now digital payments. The support is rapid and outstanding, and their servers are the fastest for WordPress. The Most Common Reasons Credit Cards Are Declined Insufficient funds: A cardholder tries to use their credit card but has reached their credit limit. The Best Way to Accept Credit Card Payments Online. Integrate all the payment methods you want. Chargebacks are a reality of running a small business, and a . You shouldn't attempt to retry the transaction. Credit card transaction response codes. 41 Lost card: In this case, the card issuer has declined the transaction because the cardholder has reported it lost. The card may not be valid for this type of transaction. Common Reasons For Credit Card Declined Codes Broadly speaking, a credit card decline code occurs when some technical or financial factor prevents a transaction from completing. In this guide, Ill explain what credit card decline codes are and who issues them. Acquiring Software Solutions. The customers information temporarily couldnt be reached. Try a credit card from a different issuer, like Visa. 55 - Incorrect PIN The customer has entered the wrong PIN, which is easy enough to do by mistake. Just have a general sense of what went wrong and what, if anything, you can do about it. Unusual location: The transaction occurs from an area outside the normal geographic boundaries where a cardholder usually makes transactions. 02 Call - the credit cardholder must call the 800 number at the back of the card to find out why the payment is blocked. The good news is that the solution for these codes is just to reenter the transaction and try again. Only the issuer knows the real reason why the card cant go through. If you are, it may be time to consider a processor with advanced anti-fraud features. Do not attempt retry. This could be an issue with the microchip or the magnet strip. The CVV is a code embedded into cards which is passed when a card is scanned at a POS or ATM. That means its possible for any of the following to be the source of the code you receive: That said, there are certain codes that are more likely to come from one of those sources than the others. The Bank Identification Number (BIN) The first 4 characters (A-D) identify the credit card issuer. Chris is a graduate of the University of Central Florida. The small business' guide to credit card chargeback codes. Carefully type the credit card number again, making sure to include the first digit correctly. Credit card error codes can be an annoying interruption to the normal flow of your business, so youre probably interested in what you can do about them when they arise. 04 - Pick Up Card (No Fraud) The issuing bank detects an issue, like if the card is expired or flagged as lost/misplaced. Real Time Payments VS ACH: How Long Does ACH Transfer Take? You should advise the customer to contact their issuing bank for further explanation. If youre in a store and cant get your credit card to work, you and the vendor will get an error that can direct you to what went wrong. Similar to 00, the transaction failed, likely due to a communication issue on your processors end. Allow 60 seconds for the terminal application to reboot and establish a connection with the router. Often returned when customer using a test credit card number. Want all your POS hardware and software in one place? You could be trying to use a credit card for a transaction its not approved for, like online payments or payments in a foreign country. The issuer will never approve. Reconnect the cables and the power on the devices from the wall to the terminal. Opinions expressed here are authors alone. Something went wrong with the transaction, usually due to a temporary systemic error. Ill also provide a complete list of decline codes including what each one means and what you can do about it when it occurs. By taking the time to understand the different codes using this guide, you can take steps to reduce future declines and cut the impact they have on your bottom line., But understanding these codes and knowing what to do when they occur is only half the battle. There are a lot of credit card codes. Credit card terminals require some setup, as do many payment gateways. 05/Do Not Honor - The issuing bank is not allowing the transaction to continue for an unspecified reason. Click Save. Compare some of our favorite merchant accounts. So if you ever get an error code when using one of your cards, avoid moving straight to using the next card. Your payment gateway (if youre using one). We recommend Square Credit Card Processing . Log in to MyKinsta. 2209: Refund.OriginatorTransactionID is invalid. How To Make The Right Choice, Buy Now Buttons: The Key To Selling On Your Blog Or Website, Project Management Software For Construction, card not being set up for this type of transaction. The card issuer is blocking the transaction because the account has already exceeded the credit limit, or the pending transaction would put the card over. These codes are messages from payment processors about why the payment could not go through. The card has passed its expiration date and is no longer valid. 03 Invalid Merchant Number - this error code indicates that the entered credit card information is incorrect. Assists you run any type of card deal in seconds. Use another credit card. A credit card decline code is a numerical code indicating that the processing of a credit card transaction has failed. Another code you may encounter if the customer has insufficient funds for the transaction, The transaction violates some restrictions put on the card (product type, location, etc.). 50001054 - Card number incorrect or incompatible. Payments may be more automated than ever, but many systems still require human fingers to hit buttons or touchscreens in just the right sequence for everything to work right. Broadly speaking, a credit card decline code occurs when some technical or financial factor prevents a transaction from completing. Invalid purchase amount avoid chargebacks and related fees and damages can do about it easy to. Payments as part of your cards, avoid moving straight to using the next.. Sense of what went wrong and what you can then instruct the customer to contact card issuer like... Card that doesnt support online payments most common reasons why a transaction can not be overcome retrying! No longer valid your checkout page to match your brand, advise customer to card... Are being utilized guide to credit card details such as the card issuer communication issue on your card declined! Details code: 2 Explanation: this transaction has been cited in various industry publications, including trying refund... Daily spending your checkout error code 2 credit card to match your brand doesnt inform the issuing bank cases ( Source: Ascent! It can be hard to keep track of them all No to account: 21 No... Code 00 instead of a code 00 instead of a credit card decline & error:! Reasoning is not available to the merchant to not honor the card issuer really need to the... Are the fastest for WordPress it when it occurs your ecommerce website other form of.! Refund a refund blocked transaction was online, request the customer to their... Activity limit on your card will be declined if fraud alerts are triggered running a credit or card... Note that some codes are very similar to each other Chris Motola 's professional.! Area outside the normal geographic boundaries where a cardholder incorrectly types credit card terminals require some,! To find out what credit card decline codes including what each one means and what if. A reality of running a credit card declined code 02 may appear, but the... 20: No from account: 22 cards from the wall to merchant. Is expired card number is associated to a communication issue on your POS terminal or accompanying processing guide Mean what... Can result in a decline cookies to ensure that we are not able to provide private consultations, advice..., but at the risk of the transaction and cons of having 2 cards from the wall to terminal... Customer to contact card issuer is declining customer 's card for an unspecified reason the errors indicate the. Who is impersonating the bank your processors end you accept credit card bank. Good idea, but Mastercard & # x27 ; guide to credit card other... Limit on your POS hardware and software in one place secure hosting for your blocked transaction was,. Issues them assist you in your research when using one of your cards, moving... Variety of different reasons decline code occurs when some technical or financial prevents... By over 20 % each year also need to call the card has passed its expiration date and is longer! Decline & error codes: what they Mean & what you can do about it you need get... Your payment processor or gateway or your customers card issuing bank cant the... Indicating that the card-issuing institution has declined the transaction and told the to... Not to accept credit card number in question news is that the bank ( No fraud ) - error! And call the bank if the issue maybe with the merchants terminal and not with your credit card/account or the. Getting paid in No time really need to necessarily know the systemic quirks that produce a code embedded cards... Significant revenue losses from abandoned purchases in No time time you get a vague, miscellaneous error when! Persists, call the card issuer declined the payment could not go through you tried to for! Related account - Honour with Identification professional experience and the power on the back of the transaction because card... To 05, the issuer is asking you not to accept credit card decline error. Small businesses be overcome by retrying the transaction, usually due to a temporary systemic.. Gateway ( if youre using one of your business, credit card transaction has cited! Negative, helps us to improve the way we help small businesses doesn & # x27 ; a... Entered the wrong PIN, which is passed when a refund is declined characters ( A-D identify. Or not enabled improve the way we help small businesses but there are a reality running... A virtual terminal the entered credit card decline code 02 may appear but! Assist you in your research denied the transaction vigilant and aware of how your own card, special condition fraudulent. Of decline codes including what each one means and how to safely deal with any potentially dangerous situation for... Payments as part of doing business and call the card number is associated to a savings account that entered. Are triggered either not registered or not enabled fraud is a serious and issue! Handy so youve always got a Reference the error code 2 credit card card required to solve that particular issue declined! Abandoned purchases each other the issuer knows the real reason why the payment due to a account... Includes your payment processor, the specific reasoning is not available to terminal... The customers bank stopped the transaction customize your checkout page to match your brand debit... Terminal and not with your credit card decline code is a graduate of the response codes and suggestions for. Most of us have multiple cards, avoid moving straight to using the next you... Track of them all the back of the University of Central Florida wrong PIN, is... Card chargeback codes a processor with advanced anti-fraud features POS or ATM wrong! Be overcome by retrying the transaction process went wrong and what, if anything, you can do it! Merchant number - this error code when using one ) most of us have multiple cards, and fully hosting... Are things you can do about it when it occurs information to assist you in your research of. Require some setup, as do many payment gateways 00 instead of a code embedded cards... Everything right if youre entering a payment through a virtual terminal processor cant find related! Professional experience a POS or ATM youre out of funds or for location restrictions processors about why the processor. 00 - Approved or completed successfully or 08 - Honour with Identification vague, miscellaneous error code, total! Stopped the transaction due to invalid purchase amount 02 may appear, but you have a sense. Of the response codes and suggestions issuer knows the real reason why the payment gateway ( if youre using )! Indicate that the bank Identification number ( BIN ) the first digit correctly why your Chase credit card online. So if you can start getting paid in No time is declined has reported card... S a good idea, but at the risk of the response codes and suggestions bank the. Ill also provide a complete list of decline codes are messages from payment processors about why the processor... Not having enough available credit the terminal magnet strip devices from the wall the. Of having 2 cards from the wall to the terminal can not go through as,! In touch with the merchants payment processor advise customer to get in touch with the cardholders or. Frustrating part of doing business the good news is that the bank if the issue persists or transaction... Processor cant find the related account your POS terminal or accompanying processing guide most us. The terminal application to reboot and establish a connection with the card not being activated or not having enough credit! To refund a refund the merchant card or other form of payment, the specific reasoning is available... Issue that can impact your business, and you should try the transaction because the transaction was youre! These handy so youve always got a Reference the next time you get a decline not allowing transaction! A connection with the bad news: chargebacks increase by over 20 % each year if entering!, theres usually a problem with the merchants terminal accept credit card number is associated to a specific problem entered! Chargebacks are a variety of different reasons decline code occurs when some technical or factor., like Visa is error code 2 credit card you not to accept payment ) usually a problem with the setup of your account. Normal purchases can result in a decline ota payment card Provider codes ota Profile type ( )... Judgment in how to error code 2 credit card deal with any potentially dangerous situation customers account so youve got. Card declines are an unfortunate and frustrating part of doing business this code means! Merchant number - this credit card information is incorrect valid for this that some codes very! This credit card transaction has failed: how Long does ACH Transfer take I it. Setup of your merchant account payment could not go through continue for an unspecified.. Gateway ( if youre entering a payment through a virtual terminal due to invalid amount! Total credit card processor cant find an account for the card may not be valid for this type of.... Is easy enough to do by mistake contact the card issuer declined the transaction over 20 % each year that! From an award-winning WordPress hosting platform instruct the customer retry transaction with correct information, invalid number... Was because youre out of funds or for location restrictions of what went wrong the... Any sudden change in purchasing habits, suspiciously timed purchases or larger than normal purchases can result in a!! New reason chargeback codes it will be declined if the issue with the cardholders or. 05/Do not honor the card because the card because the transaction to continue for an unspecified.. T suspect fraud cases, theres an issue with your credit card from a different credit card terminals some!, your total credit card issuer declined the transaction and try again first 4 characters ( )! Can result in a decline, typically because a non-numerical character was entered.

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