Decline Codes

Modified on Fri, 06 Oct 2023 at 07:16 AM

 

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.
MasterCard Non Face to Face FULL Reversal Only

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.
Note: If this response is received, please contact your First Data Representative

255

Reserved

Reserved
Note: If this response is received, please contact your First Data Representative

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.
Contact your First Data Representative for information on getting set up for 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.
Note: This may be the result of either an association rule, or a merchant boarding option.

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.
Authorization Record - based on amount, action code, and MOP (Batch response reason code for Debit Only)

741

Validation Failed

Unable to validate the Debit
Authorization Record - based on amount, action code, and MOP (Batch response reason code for Debit Only)

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
ACH transactions

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

 

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