Error codes
This guide describes some of the common error codes.
Error codes
Some of the most common Checkout error codes are:
| Code | Description | Next steps |
|---|---|---|
| 01 – Refer to card issuer | The transaction was refused by the card issuer. The shopper should contact their bank for clarification. The shopper can try again after resolving the issue with their bank, or use another payment method. | |
| 03 – Invalid merchant | The transaction was refused by the card issuer. The shopper should contact their bank for clarification. The shopper can try again after resolving the issue with their bank, or use another payment method. | |
| 04 – Capture card/pick-up | The card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card. This reason is used in an E-Commerce environment although it originates from a POS (Point Of Sale) | |
| 05 – Do not honor | This is a generic refusal that has several possible causes. The shopper should contact their issuing bank for clarification.
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| 41 – Lost card | The card number is not within a card number range supported by the scheme.
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| 51 – Insufficient funds/over credit limit / Not sufficient funds | Insufficient funds in the cardholder's account. The shopper can try again after adding funds to their bank account, or use another payment method.
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| 57 – Transaction not permitted to issuer/cardholder | The card issuer does not permit the transaction on this card/account. The shopper can use another payment method. For activation or loading of prepaid cards, the Merchant, acquirer BIN, and issuer BIN are not all domestic.
An issuer's processing center is not certified to receive transaction-specific data in TLV format (field 104 in request message).
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| b3 – Fraud / Security | Applies for Mastercard. The transaction is refused because the card issuer suspects this payment to be fraudulent.
View the Merchant Advice Code for follow-up action.
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| 59 – Suspected fraud | The transaction is refused because the card issuer suspects this payment to be fraudulent.
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You can also check out the error codes from the: