The transaction has been approved and has been successfully completed.
100
Authorization Denied (Generic)
The transaction has been declined for an unknown reason.
The cardholder will need to contact the issuer of their payment card for further information.
101
Expired card or invalid expiration date
The transaction was declined due to an invalid card expiration date
The cardholder will need to use another payment method to complete the purchase.
102
Suspected fraud
The payment was declined because suspicious fraud activity was detected.
It is suggested not to provide more detailed information to the cardholder. Instead, it is recommended to communicate the same outcomes of a generic error.
104
Restricted card
The card number is incorrect or the card has restrictions.
The cardholder can try using another payment method or should contact the issuer of their payment card for further information.
106
Allowable PIN tries exceeded
The maximum number of allowed PIN attempts has been reached.
The cardholder will need to use another payment method to complete the purchase.
109
Invalid merchant
The merchant profile is not active.
Contact support. It is suggested to provide a generic outcome to the cardholder.
110
Invalid amount
The transaction value is not acceptable or exceeds the maximum allowed amount.
If the amount appears to be correct, the cardholder is advised to consult the issuer of the card to verify if they are authorized to make purchases for that amount.
111
Invalid card number
The card number is incorrect.
The cardholder can try using another payment method or should contact the issuer of their payment card for further information. Alternatively, they should verify the entered data.
112
PIN Required
The card payment was rejected as it requires PIN entry.
The cardholder should try again by inserting their card and entering the correct PIN.
114
No account of type requested
The card or the account associated with the card is not valid.
The cardholder will need to contact the issuer of their payment card for further information or use another payment method. Alternatively, they should verify the entered data.
115
Requested function not supported
Transaction type not supported.
The cardholder will need to use another payment method to complete the purchase.
116
Not sufficient funds
The transaction cannot be completed due to insufficient funds on the card.
The cardholder is required to use an alternative payment method.
117
Incorret PIN
The PIN entered is incorrect. This rejection code applies exclusively to transactions made through a card reader.
The customer can try again using the correct PIN.
118
No card record
The card or the account associated with the card is not valid.
The cardholder will need to contact the issuer of their payment card for further information or use another payment method. Alternatively, they should verify the entered data.
119
Transaction not permitted to cardholder
The cardholder has not been authorized to use this card for payment; it may have been suspended or have usage restrictions.
The cardholder will need to contact the issuer of their payment card for further information.
120
Transaction not permitted to terminal
The transaction has been declined for an unknown reason.
The cardholder will need to contact the issuer of their payment card for further information.
121
Exceeds withdrawal amount limit
The transaction value is not acceptable, exceeds the maximum allowed amount, or authentication is required.
The cardholder will need to use another payment method to complete the purchase.
122
Transaction not permitted
The transaction was declined due to usage constraints or other unknown reasons
The cardholder will need to contact the issuer of their payment card for further information.
123
Exceeds withdrawal frequency limit
Soft Decline - transaction declined because the issuer requires Strong Customer Authentication (SCA).
Reprocess the transaction requesting Strong Customer Authentication (SCA).
124
Violation of law
The transaction has been declined due to issuer rule violation.
The cardholder will need to contact the issuer of their payment card for further information.
125
Card not effective
The card or the account associated with the card is not valid.
The cardholder will need to contact the issuer of their payment card for further information.
126
Invalid PIN block
The card payment was rejected as it requires PIN entry.
The cardholder should try again by inserting their card and entering the correct PIN.
129
Suspected counterfeit card
The payment was rejected because suspicious fraud activity was detected.
It is suggested not to provide more detailed information to the cardholder. Instead, it is recommended to communicate the same outcomes of a generic error.
142
Incorrect CVV2.
The payment was declined because authentication failed due to incorrect CVV.
The cardholder should try again by correctly entering the CVV.
159
Incorrect PIN
The payment was declined because authentication failed due to incorrect CVV.
The cardholder should try again by entering the CVV correctly.
165
Inactive Account
The card or the account associated with the card is not valid.
The cardholder will need to contact the issuer of their payment card for further information or use another payment method. Alternatively, they should verify the entered data.
167
Lyfe cycle (MasterCard Use Only)
The transaction has been declined for an unknown reason.
Contact support. It is suggested to provide a generic outcome to the cardholder.
172
Additional Customer Authentication Required (to be used for physical POS and EComm)
The transaction cannot be completed due to the cardholder's failed authentication.
The cardholder must correctly authenticate to complete the payment.
178
Invalid cryptogram
The payment was declined because authentication failed due to incorrect CVV.
The cardholder should try again by entering the CVV correctly.
182
Invalid Card
The card number is incorrect or the card has restrictions.
The cardholder can try using another payment method or should contact the issuer of their payment card for further information.
187
Installment not supported by the card.
The transaction has been declined due to issuer rule violation.
The cardholder will need to contact the issuer of their payment card for further information.
188
Invalid CVV2 / CVC2
The payment was declined because authentication failed due to incorrect CVV.
The cardholder should try again by entering the CVV correctly.
190
Cryptographic failure
The payment was declined because authentication failed due to incorrect CVV.
The cardholder should try again by entering the CVV correctly.
200
Do not honour
Card Blocked - The transaction was declined for an unknown reason.
It is suggested not to provide more detailed information to the cardholder. Instead, it is recommended to communicate the same outcomes of a generic error.
202
Suspected fraud
Card Blocked - The payment was declined because suspicious fraud activity was detected, and the card has been blocked.
It is recommended not to provide more detailed information to the cardholder. Instead, it is advised to communicate the same generic error outcome.
204
Invalid card
Card Blocked - The cardholder has exceeded the available balance or credit limit on the card.
It is suggested not to provide more detailed information to the cardholder. Instead, it is recommended to communicate the same generic error outcome.
206
Exceeded PIN attempts
Card Blocked - The cardholder has exceeded the PIN attempts limit.
It is suggested not to provide more detailed information to the cardholder. Instead, it is recommended to communicate the same generic error outcome.
208
Lost card
Card Blocked - The transaction was declined because the card is reported lost or blocked.
It is suggested not to provide more detailed information to the cardholder. Instead, it is recommended to communicate the same generic error outcome.
209
Stolen card
Card Blocked - The payment was declined because suspicious fraud activity was detected.
It is suggested not to provide more detailed information to the cardholder. Instead, it is recommended to communicate the same generic error outcome.
210
Suspected counterfeit card
Card Blocked - The payment was declined because suspicious fraud activity was detected.
It is suggested not to provide more detailed information to the cardholder. Instead, it is recommended to communicate the same generic error outcome.
413
Excess Reattempts
Attempt to resubmit the same transaction that was previously denied, so the circuits prohibit the repetition.
The cardholder will need to use another payment method to complete the purchase.
888
Pending
The transaction was declined for an unknown reason.
The cardholder will need to contact the issuer of their payment card for further information.
902
Invalid transaction
The transaction was declined for an unknown reason.
Contact support. It is suggested to provide a generic outcome to the cardholder.
903
Re-enter transaction
The transaction was declined for an unknown reason.
Contact support. It is suggested to provide a generic outcome to the cardholder.
904
Format error
The transaction was declined for an unknown reason.
Contact support. It is suggested to provide a generic outcome to the cardholder.
906
Cutover in process
The transaction was declined for an unknown reason.
It is suggested to try the payment again.
907
Card issuer or switch inoperative
The transaction was declined due to issuer not found or unavailable.
Retry or ask the cardholder to verify the entered data.
908
Transaction destination cannot be found for routing
The transaction was declined due to issuer not found or unavailable.
Retry or ask the cardholder to verify the entered data.
909
System malfunction
The transaction was declined due to a technical issue.
Contact support. It is suggested to provide a generic outcome to the cardholder.
911
Card issuer timed out
The transaction was declined due to no response from the issuer's authorization systems.
Retry or ask the cardholder to use another payment method.
913
Duplicate transmission
The transaction was declined for an unknown reason.
The cardholder will need to contact the issuer of their payment card for further information.
921
Internal Error
The transaction was declined for an unknown reason.
Contact support. It is suggested to provide a generic outcome to the cardholder.
938
Generic Error
The transaction was declined for an unknown reason.
Contact support. It is suggested to provide a generic outcome to the cardholder.
999
Agreement error during creation due to merchant's parameters
The transaction was declined due to errors in the request.
Please verify the parameters and provide the cardholder with a generic error.