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 |
