First of all, we need to understand what is a Credit Card decline and what are Credit Card Declined Codes but if you are in a hurry you can directly click here to see all the error codes with their reasons and solution.
Credit Card Decline is simply a process in which your credit card is declined due to various reasons or errors (which we will discuss later in this blog post ) and the payment is not processed on both ends i.e on the customer and merchant side.
For those who have not seen an error code, this is what it looks like and this generally happens when you are trying to make a payment using your Credit card.
Note: There can be many errors and hence the display message can alter accordingly.
Credit Card Declines are Categorized into two ways-:
- The first one being Soft decline and it means that the bank has processed your payment but there is some other issue in the payment cycle which is causing the error and hence not allowing the payment to reach the merchant or another side.
- The second one being the Hard decline and it means that the bank has not processed your payment from its end due to some reasons which we have discussed below.
Every time a credit card is declined the user is presented with the reason in two ways i.e. first in the form of error code and second in the form of an English message.
Note: The error codes and the error message can be of many types and also varies from vendor to vendor.
So we are not discussing the error codes in this blog post instead we will be explaining the different messages you receive along with that error codes and explain their reason and their solution.
Here are some of the examples of some error messages you receive when a credit card is declined (Both Soft and Hard Decline)
Credit Card Decline Error Codes
|Error message||Why this error occurs||Solution|
|Invalid credit card number||The card number entered is invalid||Recheckyour Credit Card Number|
|Invalid address||The billing address does not match the card network records||Re check the records for the correct address|
|Do not honor||The issuing bank’s fraud filter has been triggered||Use different card or contact the bank|
|Processor declined||Payment authorization has been declined at the issuing bank||Contact the Bank|
|Payment collection failed||The gateway’s fraud filter has been triggered||Use another card or talk to the customer service of merchant|
|Expired card||The credit card being used has expired||Contact the bank to renew the card or use another card.|
|Transaction not allowed||Payment authorization has been declined at the issuing bank||Contact the Bank to know the exact the reason|
|Card reported lost/stolen||The issuing bank has marked this card lost or stolen||Contact the Bank to carry out the further procedure|
|Payment instrument not supported||The gateway doesn’t support the payment method being used||See for other payment methods available at the merchant|
|Insufficient funds||There aren’t enough funds in the associated bank account to complete this payment||Kindly fund your account or use a different card|
|Temporary Hold||The card is put on temporary hold by the bank||Contact your bank to know the exact reason for hold or use different card.|
|Card Not Activated||Your card is not activated yet by the bank||Contact your Bank or use the manual provided by them to activate the card.|
If your Error message is not mentioned in this blog post it is best to discuss it with your bank directly.
Note Some error messages are intentionally vague.
According to chargebee they are vague because of a variety of reasons:
- To Protect Users Privacy from the merchant.
- To keep the Hackers in grey by giving them vague reasons for the decline of the card payment.
and no one can tell you why that error code has risen except your Bank and in some cases,
you also know them but you just need a small reminder to remember errors like Insufficient funds, invalid credit card number and invalid address are the most common error codes seen in United States of America.
Either you are a merchant or a customer. We hope you were able to find the solution to the cryptic decline message and acted accordingly.
Let us know in the comments is there anything we didn’t cover or you are unable to find the solution for your problem.