Below is a list of decline codes on transactions. All returned bank response codes indicate that a transaction did not succeed for some reason.
In general, codes values of ‘300’ or higher are Issuer Declines, while those in the ‘200’ series are Rejects.
200
|
Suspected Fraud
|
Merchant advises they are reversing an Authorization transaction because Fraud is suspected in a non-Face-To-Face transaction environment.
|
201
|
Invalid CC Number
|
Bad check digit, length, or other credit card problem
|
202
|
Bad Amount Nonnumeric Amount
|
Amount sent was zero, unreadable, over ceiling limit, or exceeds maximum allowable amount.
|
203
|
Zero Amount
|
Amount sent was zero
|
204
|
Other Error
|
Unidentifiable error
|
205
|
Bad Total Auth Amount
|
The sum of the authorization amount from extended data information does not equal detail record authorization Amount. Amount sent was zero, unreadable, over ceiling limit, or exceeds Maximum allowable amount.
|
210
|
Reserved
|
Reserved
|
211
|
Reserved
|
Reserved
|
212
|
Reserved
|
Reserved
|
214
|
Reserved
|
Reserved
|
225
|
Invalid Field Data
|
Data within transaction is incorrect
|
227
|
Missing Companion Data
|
Specific and relevant data within transaction is absent
|
231
|
Invalid Division Number
|
Division number incorrect
|
238
|
Invalid Currency
|
Currency does not match First Data merchant setup for division
|
239
|
Invalid MOP for Division
|
Method of payment is invalid for the division
|
241
|
Illegal Action
|
Invalid action attempted
|
242
|
Invalid Temporary Services Data
|
Data is inaccurate or missing
|
243
|
Invalid Purchase Level 3
|
Data is inaccurate or missing, or the BIN is ineligible for P‐card
|
244
|
Invalid Encryption Format
|
Invalid encryption flag. Data is Inaccurate.
|
245
|
Missing or Invalid Secure Payment Data
|
Visa or MasterCard authentication data not in appropriate Base 64 encoding format or data provided on A non‐e‐Commerce transaction.
|
246
|
Merchant not MasterCard Secure code Enabled
|
Division does not participate in MasterCard Secure Code. Contact your First Data Representative for information on getting setup for MasterCard SecureCode.
|
248
|
Blanks not passed in reserved field
|
Blanks not passed in Reserved Field
|
249
|
Invalid (MCC)
|
Invalid Merchant Category (MCC) sent
|
253
|
Invalid Tran. Type
|
If an “R” (Retail Indicator) is sent for a transaction with a MOTO Merchant Category Code (MCC)
|
254
|
Reserved
|
Reserved.
|
255
|
Reserved
|
Reserved
|
257
|
Missing Cust Service Phone
|
Card was authorized, but AVS did not match. The 100 was overwritten with a 260 per the merchant’s request Note: Conditional deposits only
|
258
|
Not Authorized to Send Record
|
Division does not participate in Soft Merchant Descriptor.
|
260
|
Reserved
|
Reserved
|
262
|
Authorization Code Response Date Invalid
|
Authorization code and/or response date are invalid. Note: MOP = MC, MD, VI only
|
263
|
Partial Authorization Not Allowed or Partial Authorization Request Note Valid
|
Action code or division does not allow partial authorizations or partial authorization request is not valid.
|
264
|
Duplicate Deposit Transaction
|
Transaction is a duplicate of a previously deposited transaction. Transaction will not be processed.
|
268
|
Reserved
|
Reserved
|
269
|
Reserved
|
Reserved
|
270
|
Reserved
|
Reserved
|
271
|
Reserved
|
Reserved
|
272
|
Invalid Purchase Level 2
|
Level II Purchase card data is inaccurate or missing, or not an appropriate card brand.
|
273
|
Reserved
|
Reserved
|
274
|
Transaction Not Supported
|
The requested transaction type is blocked from being used with this card.
|
275
|
Invalid Time
|
An invalid time was specified.
|
276
|
Invalid Date
|
An invalid date was specified.
|
288
|
Daily Velocity Block Reject (Merchant)
|
Merchant’s Visa OCT and/or MasterCard MoneySend activity has exceeded preset transaction count or value limits for a rolling 24-hour period.
|
289
|
7 day Velocity Block Reject (Merchant)
|
Merchant’s Visa OCT and/or MasterCard MoneySend activity has exceeded preset transaction count or value limits for a rolling 7-day period.
|
290
|
30 Day Velocity Block Reject (Merchant)
|
Merchant’s Visa OCT and/or MasterCard MoneySend activity has exceeded preset transaction count or value limits for a rolling 30-day period.
|
291
|
Daily Disbursement Reject Card (Funding)
|
Visa OCT and/or MasterCard MoneySend Funding activity has exceeded preset transaction count or value limits for a rolling 24-hour period on this card.
|
292
|
7 Day Disbursement Reject Card (Funding)
|
Visa OCT and/or MasterCard MoneySend Funding activity has exceeded preset transaction count or value limits for a rolling 7-day period on this card.
|
293
|
30 Day Disbursement Reject Card (Funding)
|
Visa OCT and/or MasterCard MoneySend Funding activity has exceeded preset transaction count or value limits for a rolling 30-day period on this card.
|
294
|
Daily Disbursement Reject Card (Payment)
|
Visa OCT and/or MasterCard MoneySend Payment activity has exceeded preset transaction count or value limits for a rolling 24-hour period on this card.
|
295
|
7 Day Disbursement Reject Card (Payment)
|
Visa OCT and/or MasterCard MoneySend Payment activity has exceeded preset transaction count or value limits for a rolling 7-day period on this card.
|
296
|
30 Day Disbursement Reject Card (Payment)
|
Visa OCT and/or MasterCard MoneySend Payment activity has exceeded preset transaction count or value limits for a rolling 30-day period on this card.
|
297
|
Per Txn Amt Disbursement Limit Reject
|
The amount limit that will be applied to each Visa OCT/ MasterCard MoneySend txn processed by the merchant. If any single txn exceeds this limit, it will be blocked.
|
298
|
Daily/7 Day/30 Day Disbursement Manual Block
|
An indicator that blocks all Visa OCT/MC MS txn processed by the merchant within a rolling 24 hour period or 7 day period (current and prior 6 days) or 30 day period (current and prior 29 days). All txns will be blocked for that time period.
|
299
|
Duplicate Transaction
|
The transaction is a duplicate of a previous transaction (either within this same batch file, or in any batch file submitted by the client in the last 7 days).
|
301
|
Issuer unavailable
|
Authorization network could not reach the bank which issued the card
|
302
|
Credit Floor
|
Insufficient funds
|
303
|
Processor Decline
|
Generic decline – No other information is being provided by the Issuer
|
304
|
Not On File
|
No card record, or invalid/nonexistent to account specified
|
305
|
Already Reversed
|
Transaction previously reversed. Note: MOP = any Debit MOP, SV, MC, MD, VI only
|
306
|
Amount Mismatch
|
Requested reversal amount does not match original approved authorization amount. Note: MOP = MC, MD, VI only
|
307
|
Authorization Not Found
|
Transaction cannot be matched to an authorization that was stored in the database. Note: MOP = MC, MD , MI, VI, TC and PY only
|
350
|
Additional customer authentication required
|
Transaction cannot be approved until Strong Customer Authentication (SCA) is performed
|
351
|
TransArmor Service Unavailable
|
TransArmor Service temporarily unavailable.
|
352
|
Expired Lock
|
ValueLink - Lock on funds has expired.
|
353
|
TransArmor Invalid Token or PAN
|
TransArmor Service encountered a problem converting the given Token or PAN with the given Token Type.
|
354
|
TransArmor Invalid Result
|
TransArmor Service encountered a problem with the resulting Token/PAN.
|
370
|
Deferred Auth Not Cancelled
|
Deferred Authorization can not be cancelled.
|
401
|
Call
|
Issuer wants voice contact with cardholder
|
402
|
Default Call
|
Decline
|
420
|
Unsupported Currency
|
A transaction has been attempted in an invalid currency, or one not supported by the endpoint.
|
430
|
Prepaid Card Amount Over EU AMLD Limit
|
A transaction has been attempted in an invalid currency, or one not supported by the endpoint.
|
501
|
Pickup
|
Card Issuer wants card returned
|
502
|
Lost/Stolen
|
Card reported as lost/stolen Note: Does not apply to American Express
|
503
|
Fraud/ Security Violation
|
CID did not match Note: Discover only
|
506
|
Invalid Institution
|
Financial Institution configuration problem. Note: Contact your First Data representative for further details.
|
508
|
Excessive PIN try
|
Allowable number of PIN tries exceeded
|
509
|
Over the limit
|
Exceeds withdrawal or activity amount limit
|
510
|
Over Limit Frequency
|
Exceeds withdrawal or activity count limit
|
519
|
On negative file
|
Account number appears on negative file
|
521
|
Insufficient funds
|
Insufficient funds/over credit limit
|
522
|
Card is expired
|
Card has expired
|
523
|
Encrypted Data is Bad
|
Debit provider has problem decrypting cryptogram
|
530
|
Do Not Honor
|
Generic Decline – No other information is being provided by the issuer. Issuer did not provide a specific reason for declining. Please have the cardholder contact their Issuer for additional information. Note: This is a hard decline for BML (will never pass with recycle attempts)
|
531
|
CVV2/VAK Failure
|
Issuer has declined auth request because CVV2 or VAK failed
|
546
|
Blocked Account
|
Transaction Blocked for Risk/Country Code.
|
551
|
Duplicate Transaction
|
Duplicate Transaction Detected
|
570
|
Stop payment order one time recurring/ installment
|
Cardholder has requested this one recurring/installment payment be stopped.
|
571
|
Revocation of Authorization for All Recurring / Installments
|
Cardholder has requested all recurring/installment payments be stopped
|
572
|
Revocation of All Authorizations – Closed Account
|
Cardholder has requested that all authorizations be stopped for this account due to closed account. Note: Visa only
|
580
|
Account previously activated
|
Account previously activated
|
581
|
Unable to void
|
Unable to void
|
582
|
Block activation failed
|
Reserved for Future Use
|
583
|
Block Activation Failed
|
Reserved for Future Use
|
584
|
Issuance Does Not Meet Minimum Amount
|
Issuance does not meet minimum amount
|
585
|
No Original Authorization Found
|
No original authorization found
|
586
|
Outstanding Authorization, Funds on Hold
|
Outstanding Authorization, funds on hold
|
587
|
Activation Amount Incorrect
|
Activation amount incorrect
|
588
|
Block Activation Failed
|
Reserved for Future Use
|
589
|
CVD Value Failure
|
Magnetic stripe CVD value failure
|
590
|
Maximum Redemption Limit Met
|
Maximum redemption limit met
|
591
|
Invalid CC Number
|
Bad check digit, length or other credit card problem. Issuer generated
|
592
|
Bad Amount
|
Amount sent was zero or unreadable. Issuer generated
|
594
|
Other Error
|
Unidentifiable error. Issuer generated
|
595
|
New Card Issued
|
New Card Issued
|
596
|
Suspected Fraud
|
Issuer has flagged account as suspected fraud
|
602
|
Invalid Institution Code
|
Card is bad, but passes MOD 10 check digit routine, wrong BIN
|
603
|
Invalid Institution
|
Institution not valid (i.e. possible merger)
|
606
|
Invalid Transaction Type
|
Issuer does not allow this type of transaction
|
607
|
Invalid Amount
|
Amount not accepted by network. (This response is provided by the card issuer.)
|
610
|
BIN Block
|
Merchant has requested First Data not process credit cards with this BIN
|
611
|
Refer New Acc
|
New account information available
|
612
|
Retry With 3DS
|
Retry the transaction with 3DS data
|
613
|
Retry Later
|
Retry later
|
614
|
Do Not Retry
|
Do not retry. A fraud may have happened with the transaction
|
740
|
Match Failed
|
Unable to validate the debit.
|
741
|
Validation Failed
|
Unable to validate the Debit
|
750
|
Reserved
|
Reserved
|
752
|
Missing Name
|
Pertains to deposit transactions only
|
753
|
Invalid Account Type
|
Pertains to deposit transactions only
|
754
|
Account Closed
|
Bank account has been closed For PayPal – the customer’s account was closed / restricted
|
755
|
No Account/ Unable to Locate
|
Does not match any account for the customer at the bank
|
758
|
Account Frozen
|
Transaction Posting to Account Prohibited
|
760
|
ACH Non-Participant
|
EC – Banking Institution does not accept
|
763
|
Invalid Account Number
|
Account number is incorrect
|
766
|
Reserved
|
Reserved
|
767
|
Reserved
|
Reserved
|
768
|
Bad Account Number Data
|
Invalid characters in account number
|
776
|
Duplicate Check
|
|
777
|
Original transaction was not approved
|
|
787
|
Decline High Risk
|
|
788
|
Refund Greater than original
|
Refund Greater than original sale
|
802
|
Positive ID
|
Issuer requires further information
|
806
|
Restraint
|
Card has been restricted
|
811
|
Invalid Security Code
|
American Express CID is incorrect
|
813
|
Invalid PIN
|
PIN for online debit transactions is incorrect
|
818
|
No Savings Account
|
|
825
|
No Account
|
Account does not exist
|
833
|
Invalid Merchant
|
Service Established (SE) number is incorrect, closed or Issuer does not allow this type of transaction
|
834
|
Unauthorized User
|
Method of payment is invalid for the division
|
842
|
Bad EAN/SCV/CSV
|
EAN, SCV or Card Security Value was not provided or invalid, but is required for this transaction.
|
902
|
Process Unavailable
|
System error/malfunction with Issuer For Debit – The link is down or setup issue; contact your First Data Representative.
|
903
|
Invalid Expiration
|
Invalid or expired expiration date
|
904
|
Invalid Effective
|
Card not active
|