| Hard Codes | Advised to stop attempting |
| 04: Pick up card | Pick up card, and it means that the card has been reported as lost or stolen. However, it doesn’t imply that there has been a fraudulent transaction – in most cases, it’s a decline as a result of overdrawn cards or expired ones. |
| 41: Lost card pick up | hard decline means that the legitimate owner of the credit card has reported it as lost or stolen. As a result, the issuing bank is declining the transaction. |
| 43: Pick up, stolen card | This code means that the cardholder has reported his credit card as stolen, in which case the issuing bank is requesting for the card to be retained. |
| 46: Closed Account | The customer’s issuing bank is declining transactions due to account closure or a validation issue. Do not attempt to reprocess. The cardholder will need to contact the card-issuing bank to correct the validation issue. |
| R1 – Revocation of authorization order | the cardholder has revoked authorization for future payments to a particular merchant |
| R3 – Revocation of all authorization | cardholder cancelling recurring payments made to an account. |
| 14: Invalid card number | indicates that the number of the credit card is not correct, which means that the credit card processor can’t find the correct account. |
| 53: Consumer Disputes | Typically indicative of a “charge back” |
| Soft Codes | Reattempt is fine |
| 17: Customer cancellation | You will get this error code if your customer has cancelled the operation on their side before reaching out to you. Although it’s not very common nowadays, it may happen if your payment process is asynchronous or it has been delayed for some reason. |
| 05: Do not honor | This code falls within the category of soft credit card declines. It means that the customer’s bank has prevented the transactions, telling the merchant not to honor the card. |
| 07: Pick up card | This code is in the grey area. When this code appears, it usually means that the customer’s bank has stopped the transaction because the card has been marked as fraudulent. |
| 19: Re-enter | an unknown error has occurred. In this case, the cardholder can restart the transaction |
| 51: Insufficient funds | soft decline and it means that the transaction has been denied by the customer’s issuing bank because the customer has exceeded their card limit, or because the transaction will put them over the limit. |
| 61: Exceeds withdrawal limit | similar manner to code 51, code 61 is another alternative for credit card decline codes that indicate that the customer doesn’t have enough funds to complete the transaction. |
| 92: Unable to route at acquirer mode | This soft decline code means that the terminal is unable to reach the card issuer in order to process the transaction successfully. |
| Unknown | Can probably reattempt |
| 12: Invalid transaction | This type of soft decline indicates that the attempted transaction has been invalid. It means that the issuing bank does not accept the transaction, which can be for a variety of reasons |
| 57: Transaction not allowed for cardholder | a general Service Not Allowed decline response. This is a common decline message for transactions that are blocked by the bank that issued the card. For this decline, the customer must call the number on the back of the card and ask the bank why they are declining the transaction. The customer can explain that they are trying to make a payment and ask the bank to allow the transaction. |
| 59: Suspected fraud | This code means that the issuing bank has declined the transaction as a result of suspected fraud. However, as opposed to codes 34-37, there is no request to hold or retain the card. |
| 62: Restricted card | highly common reason is that the cardholder has tried making a purchase online with a card that doesn’t support online payments. |
| 78: Record not found, invalid account | Code 78 is a type of soft decline that indicates that the issuing bank of the credit card can’t find an account for the card. |
| Error | Hard to tell if these are Hard / Soft stops |
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