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Card Payment Response Codes

Decline Code Short Description Explanation
21 No action taken
Transaction declined by your Bank. Kindly reach out to the Bank for further assistance.
62 Restricted card
Transaction declined by your Bank. Kindly reach out to the Bank for further assistance.
63 Security violation. Transaction declined by your Bank. Kindly reach out to the Bank for further assistance.
57 Transaction not permitted to cardholder Transaction declined by your Bank. Kindly reach out to the Bank for further assistance.
6
Error
Transaction declined by your Bank. Kindly reach out to the Bank for further assistance.
77
Invalid "from" account
Transaction declined by your Bank. Kindly reach out to the Bank for further assistance.
76
Invalid "to" account
Transaction declined by your Bank. Kindly reach out to the Bank for further assistance.
1 Refer to Bank
Transaction declined by your Bank. Kindly reach out to the Bank for further assistance.
2 Refer to Bank, special condition
Transaction declined by your Bank. Kindly reach out to the Bank for further assistance.
12 Invalid transaction
Transaction declined by your Bank. Kindly reach out to the Bank for further assistance.
35 Contact acquirer, pick-up
Bank Error, Kindly reach out to your Bank
34 Issuer suspects fraud, pick-up card
Bank Suspects Card is fraudulent, Kindly reach out to your Bank for them to validate or advise further.
CV Failure CV
Card Decline, Kindly reach out to your Bank for assistance.
5 Do not honor. The transaction was declined by the issuer without definition or reason
Do not Honour Error, Kindly reach out to your Bank and request them to authorise the payment and retry.
38 PIN tries exceeded, pick-up
Exceeded PIN trial attempts, Kindly reach out to your Bank for assistance.
33 Expired card, pick-up
Expired Card, Kindly reach out to your Bank for them to validate or advise further.
31 Bank not supported
Invalid Card number, Kindly reach out to your Bank for them to validate or advise further.
15 No such issuer
Invalid Card number, Kindly reach out to your Bank for them to validate or advise further.
14 Invalid card #
Invalid Card, Kindly reach out to your Bank for them to validate or advise further.
3 Invalid merchant number
Code 3: Invalid Merchand (Kindly reach out to [email protected] for assistance).
17 Customer cancellation
Kindly note you have canceled this transaction.
19 Re enter transaction
Code 19: Kindly retry payment
87 Network Unavailable
Network Unavailable. Kindly retry payment
22 Suspected malfunction
Suspected malfunction. Kindly retry payment
30 Format error, call
Code 30: Kindly retry payment
51 Not sufficient funds
No Sufficient funds to complete this payment. Kindly top up your card or reach out to your bank to increase the transaction limit on the card
75 PIN tries exceeded
PIN attempts exceeded, Kindly reach out to your Bank for assistance.
41 Lost Card, capture for reward
Reported as lost card, Kindly reach out to your Bank for assistance.
43 Stolen Card, capture for reward
Reported as lost card, Kindly reach out to your Bank for assistance.
4 Pick-up card. Capture for reward
Reported as lost card, Kindly reach out to your Bank for assistance.
7 Pick-up card, special condition
Reported as lost card, Kindly reach out to your Bank for assistance.
36 Restricted card, pick-up
Reported as lost/stolen pick-up card, Kindly reach out to your Bank for assistance.
37 Call security, pick-up
Reported as Pick Up, Kindly reach out to your Bank for assistance.
68 Response received too late
Response received too late. Kindly retry payment
66 Call acquirer security
Security Decline, Kindly reach out to your Bank for assistance.
59 Suspected fraud
Suspected fraud by your Bank. Please use another Card
T3 Amount Error
The amount exceeds your limit, kindly reach out to your Bank for them to review the set limits on the card.
13 Invalid amount
The amount exceeds your withdrawal limit, kindly reach out to your Bank for them to review the set limits on the card.
61 Exceeds withdrawal limit
The amount you are trying to pay has exceed your daily card limit, Kindly reach out to your Bank for further assistance.
54 Expired card
The card you are using to pay has expired, Kindly reach out to your Bank for replacement.
65 Exceeds withdrawal frequency
The transaction exceeds your limit, kindly reach out to your Bank for them to review the set limits on the card.
N4 Decline
Transaction declined by your Bank. Kindly reach out to the Bank for further assistance.
86 Cannot verify PIN
Wrong CVV, Please check and retry payment
N7 CVV2 Mismatch
Wrong CVV, Please check and retry payment
55 Incorrect PIN
Wrong PIN, Please check and retry payment
56 No card record
Invalid Card , Kindly reach out to your Bank for them to validate or advise further.
78 Invalid account specified (general)
Account Validation failure. Kindly contact the Bank
84 Invalid authorization life cycle
The transaction could not be fulfilled. Kindly retry Payment
58 Transaction not permitted on terminal
Code: 58. Terminal failure (Kindly reach out to [email protected] for assistance.)
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