Credit Card Decline Codes

The failure codes defined below are used when your customer’s bank declines an attempted transaction. If this occurs, your two main remedies are to:

  1. Contact your customer and ask for a different form of payment—either a different credit card or bank account information to use for an ACH transaction.

  2. Have your customer call their issuing bank (the number is typically printed on the back of the credit card) and resolve any issues that are preventing the transaction from being approved. Once your customer confirms that the bank will honor the card, you can attempt the transaction again.

When viewing a failed credit card payment’s Transaction Details screen, the transaction Status will be “Failed,” the Reason Description will be “DECLINE” and the Authorization Code will be one of the following failure codes, as shown below:

transaction_details_decline_6200003.jpg

 

Description:    Decline

Failure Code:    05

Failure Code Definition:

Do not honor.

What it Means:

The customer’s issuing bank is preventing the transaction from being authorized, and instructing you not to honor the card.

What to Do:

Have your customer call their issuing bank (the number is typically printed on the back of the credit card) and ask why the transaction was declined and clear up any problems that are causing the card to be declined. Once the issuing bank confirms that they will approve future attempts, try the transaction again.

You can also ask your customer for a different credit card account or an ACH account, and attempt the transaction again.

 

Description:    Decline

Failure Code:    51

Failure Code Definition:

Insufficient Funds

What it Means:

The customer’s issuing bank is preventing the transaction from being authorized because your customer is over his/her credit limit for the card (or processing the attempted transaction would cause the customer to go over the limit).

What to Do:

Have your customer call their issuing bank (the number is typically printed on the back of the credit card) and ask for a credit limit increase that will permit the transaction to be processed. When the new limit is confirmed, attempt the transaction again.

You can also ask your customer for a different credit card account or an ACH account, and attempt the transaction again.

 

Description:    Decline

Failure Code:    62

Failure Code Definition:

Invalid service code, restricted

What it Means:

This code will appear for one of two reasons:

1. You are attempting an American Express or Discover transaction and your merchant processing account is not configured properly to accept it.

2. An online payment was attempted by your customer using a credit card that does not allow online payments.

What to Do:

For Reason 1: Contact PaySimple Customer Care and request that your merchant account be configured to accept Discover and American Express payments.

For Reason 2: Process the transaction again from the Collect Payment screen. You should not see the error using this method. If it persists, contact your customer for a different payment account (credit card or bank account) and attempt the payment again using that payment information.
NOTE: You will not be able to see the full credit card number for the failed transaction, but if you select it on the Collect Payment screen you will be able to reattempt the transaction.

 

Description:    Decline

Failure Code:    65

Failure Code Definition:

Activity Limit Exceeded

What it Means:

The customer’s issuing bank is preventing the transaction from being authorized because your customer is over his/her credit limit for the card (or processing the attempted transaction would cause the customer to go over the limit).

What to Do:

Have your customer call their issuing bank (the number is typically printed on the back of the credit card) and ask for a credit limit increase that will permit the transaction to be processed. When the new limit is confirmed, attempt the transaction again.

You can also ask your customer for a different credit card account or an ACH account, and attempt the transaction again.

 

Description:    Decline

Failure Code:    93

Failure Code Definition:

Violation, cannot complete

What it Means:

The customer’s issuing bank is preventing the transaction from being authorized because of some violation related to the account.

What to Do:

Have your customer call their issuing bank (the number is typically printed on the back of the credit card) and ask them why the transaction is being declined. When the your customer confirms that they have resolved any issues with their bank, and that the card will be honored, attempt the transaction again.

You can also ask your customer for a different credit card account or an ACH account, and attempt the transaction again.

Next Section: Credit Card Hold-Call Codes >