Directory of Credit Card Failure Codes

Description:    Call

Failure Code:    01

Failure Code Definition:

Refer to issuer.

What it Means:

The customer’s issuing bank has prevented the transaction from being authorized.

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. Once the issuing bank confirms that they will approve future attempts, try the transaction again.

Alternately, ask your customer for a different credit card or ask them to pay via ACH.

 

Description:    Call

Failure Code:    02

Failure Code Definition:

Refer to issuer-Special condition.

What it Means:

The customer’s issuing bank has prevented the transaction from being authorized.

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. Once the issuing bank confirms that they will approve future attempts, try the transaction again.

Alternately, ask your customer for a different credit card or ask them to pay via ACH.

 

Description:    Hold-Call

Failure Code:    04

Failure Code Definition:

Pick up Card (no fraud)

What it Means:

The customer’s issuing bank has prevented the transaction from being authorized.
NOTE: As you are not processing this transaction in person, you won’t be able to take possession of 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. Once the issuing bank confirms that they will approve future attempts, try the transaction again.

Alternately, ask your customer for a different credit card or ask them to pay via ACH.

 

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:    Hold-Call

Failure Code:    07

Failure Code Definition:

Pick up card, special condition (fraud account).

What it Means:

The customer’s issuing bank has prevented the transaction from being authorized because fraudulent activity has been detected on this account.
NOTE: As you are not processing this transaction in person, you won’t be able to take possession of the card.

What to Do:

For a one time transaction, do not attempt the transaction again, and if possible do not provide goods or services to the person attempting the transaction.

For a recurring or scheduled transaction, it is possible that the card was flagged after the last successfully processed payment (or after the authorization for the scheduled payment). In that case, contact your customer for a new credit card number, or ask for a different form of payment. Replace the old account number on the schedule with the new account number. (See Editing Recurring Payment Schedules in Chapter 4 for instructions.

 

Description:    Invalid Trans

Failure Code:    12

Failure Code Definition:

Invalid Transaction.

What it Means:

The transaction being attempted is invalid-- for example you are trying to issue a credit against a credit transaction (refunding a refund).
NOTE: You should not see this error code because PaySimple is designed to detect this type of error before it is submitted for authorization.

What to Do:

Make sure that you have selected the correct Payment type for the transaction you are attempting to process, and make sure that all payment batches are properly configured and contain valid entries in all fields.

 

Description:    Amount Error

Failure Code: 13

Failure Code Definition:

Invalid Amount.

What it Means:

The payment Amount entered is invalid-- it must be a positive number. If a negative number, or some non-numeric value is entered in the Amount field this error will be generated.
NOTE: PaySimple is designed to flag this type of error before an authorization attempt is made. However, in some rare cases (typically when there is an error with a payment import) this type of failure may occur.

What to Do:

Attempt the transaction again, making sure to enter a positive number for the Amount.
NOTE: If you want to process a credit card credit, select “Credit Card Credit” from the Payment type field on the Collect Payment screen. Choosing this Payment type will allow a credit (negative) transaction to be successfully processed.

 

Description:    Card No. Error

Failure Code:    14

Failure Code Definition:

Invalid Card Number.

What it Means:

The card number entered is invalid.

What to Do:

Double check the number and try the transaction again with a corrected card number.
NOTE: If this error occurs for a payment generated by a recurring payment schedule, you may want to suspend the schedule until you get a corrected card number from your customer. You will be charged the authorization fee for each transaction attempted with this invalid number.

 

Description:    No Such Issuer

Failure Code:    15

Failure Code Definition:

No such issuer.

What it Means:

The card number entered is invalid because it does not start with a 3 (AMEX), 4 (Visa), 5 (MasterCard) or 6 (Discover).
NOTE: PaySimple is designed to flag this type of error before an authorization attempt is made. However, in some rare cases (typically when there is an error with a payment import) this type of failure may occur.

What to Do:

Double check the credit card number and try the transaction again with a corrected card number.
NOTE: If this error occurs for a payment generated by a recurring payment schedule, you may want to suspend the schedule until you get a corrected card number from your customer. You will be charged the authorization fee for each transaction attempted with this invalid number.

 

Description:    Re Enter

Failure Code:    19

Failure Code Definition:

Re enter.

What it Means:

An unknown error occurred during the authorization process.

What to Do:

Try the transaction again. If this error persists, contact PaySimple Customer Care.

 

Description:    No Reply

Failure Code:    28

Failure Code Definition:

File is temporarily unavailable.

What it Means:

A temporary error occurred during the authorization process.

What to Do:

Try the transaction again. If this error persists, contact PaySimple Customer Care.

 

Description:    Hold-Call

Failure Code:    41

Failure Code Definition:

Lost card, Pick up (fraud account).

What it Means:

The customer’s issuing bank has prevented the transaction from being authorized because the card’s rightful owner has reported it as lost.
NOTE: As you are not processing this transaction in person, you won’t be able to take possession of the card.

What to Do:

For a one time transaction, do not attempt the transaction again, and if possible do not provide goods or services to the person attempting the transaction.

For a recurring or scheduled transaction, it is possible that the card was lost after the last successfully processed payment (or after the authorization for the scheduled payment). In that case, contact your customer for a new credit card number, or ask for a different form of payment. Replace the lost account number on the schedule with the new account number. (See Editing Recurring Payment Schedules in Chapter 4 for instructions.)

 

Description:    Hold-Call

Failure Code:    43

Failure Code Definition:

Stolen card, Pick up (fraud account).

What it Means:

The customer’s issuing bank has prevented the transaction from being authorized because the card’s rightful owner has reported it as stolen.
NOTE: As you are not processing this transaction in person, you won’t be able to take possession of the card.

What to Do:

For a one time transaction, do not attempt the transaction again, and if possible do not provide goods or services to the person attempting the transaction.

For a recurring or scheduled transaction, it is possible that the card was stolen after the last successfully processed payment (or after the authorization for the scheduled payment). In that case, contact your customer for a new credit card number, or ask for a different form of payment. Replace the stolen account number on the schedule with the new account number. (See Editing Recurring Payment Schedules in Chapter 4 for instructions.)

 

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:    Expired Card

Failure Code:    54

Failure Code Definition:

Expired Card

What it Means:

The expiration date entered for the credit card is in the past.
NOTE: This error is most common for recurring payment transactions for which the credit card attached to the schedule has not been updated with a new expiration date. 

What to Do:

Contact your customer for the current expiration date for the credit card. Edit the credit card account to reflect the new expiration date. (See Managing Customer Payment Accounts in Chapter 6 for instructions.) This will update the expiration date for all future one-time transactions, and for all future payments generated by new or existing recurring payment schedules using this credit card account.

Once the expiration date has been updated, you can process the transaction again.
NOTE: If a recurring payment fails due to an expiration date error, you can re-process the failed payment as a one-time payment, and the schedule will pick-up on the Next Payment Date using the updated expiration date.

 

Description:    Serv Not Allowed

Failure Code:    57

Failure Code Definition:

Transaction not permitted-Card

What it Means:

This code will appear if you are attempting a transaction and your customer’s card is not configured for that type of transaction.

What to Do:

Have your customer call their issuing bank (the number is typically printed on the back of the credit card) and ask that the transaction be permitted. When the bank confirms it will process correctly, 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:    Serv Not Allowed

Failure Code:    58

Failure Code Definition:

Transaction not permitted-Terminal

What it Means:

This code will appear if you are attempting a transaction and your merchant processing account is not properly configured.
NOTE: This error is most common when you attempt to process an American Express transaction and your account is not configured for it.

What to Do:

Contact PaySimple Customer Care so that they can double check your account configuration and make sure that it is correct for the types of transactions you want to process.

 

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 Careand 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:    Sec Violation

Failure Code:    63

Failure Code Definition:

Security Violation

What it Means:

The three digit CVV2 code on the back of Visa/MasterCard/Discover cards, or the four digit CID code on the front of American Express cards is in an invalid format or is for some other configuration reason invalid.
NOTE: This error will not occur if the number simply does not match the one assigned to the card. 

What to Do:

Attempt the transaction again without entering a CVV2/CID number. It should process normally.
NOTE: For added security, you may want to double check with your customer and get a corrected CVV2/CID code. An invalid code can be a red flag for a fraudulent 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:    Retry

Failure Code:    85 or 00

Failure Code Definition:

Issuer system unavailable.

What it Means:

A temporary error occurred communicating with the issuing bank during the authorization process.

What to Do:

Try the transaction again. If this error persists, contact PaySimple Customer Care.

 

Description:    Card OK

Failure Code:    85

Failure Code Definition:

No reason to decline.

What it Means:

There should be no problem with the credit card, but something went wrong in the authorization process.

What to Do:

Try the transaction again. If this error persists, contact PaySimple Customer Care.

 

Description:    No Reply

Failure Code:    91

Failure Code Definition:

Issuer or switch is unavailable.

What it Means:

A temporary error occurred during the authorization process.

What to Do:

Try the transaction again. If this error persists, contact PaySimple Customer Care.

 

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.

 

Description:    System Error

Failure Code:    96

Failure Code Definition:

System Error.

What it Means:

A temporary error occurred during the authorization process.

What to Do:

Try the transaction again a bit later. If this error persists, contact PaySimple Customer Care.

 

Description:    Failure CV

Failure Code: CV

Failure Code Definition:

Card type verification error

What it Means:

This error occurs for one of two reasons: An error occurred during the CVV2/CID verification process or there is a configuration error in your account.

What to Do:

Attempt the transaction again without entering a CVV2/CID number. It should process normally. If it does not, contact PaySimple Customer Care so that they can fix any configuration error.
NOTE: If it does go though without the CVV2/CID code, for added security, you may want to double check with your customer and get a corrected CVV2/CID code and try it again. using the code (you can always void the second transaction.) An invalid code can be a red flag for a fraudulent transaction.

 

Description:    Stop Recurring

Failure Code:    R0 or R1

Failure Code Definition:

Customer requested stop of specific recurring payment

What it Means:

Your customer instructed their card issuer not to accept recurring payments from your company.

What to Do:

Suspend the recurring schedule attached to this credit card immediately. Any additional attempts to charge the card will likely result in a Chargeback.

Contact your customer and confirm that s/he wants to continue to do business with you, and wants to resume the recurring billing schedule. You will need to obtain new authorization in order to resume the schedule.

If the customer wants to resume the schedule using a different payment card or payment method, you can do so once you have the new authorization. If the customer wants to resume billing on the original account, s/he must contact the card issuer and remove the stop placed against charges initiated by your company. Once you confirm with the customer that the stop has been removed, you can resume the recurring billing schedule.