Credit Card Decline Codes Reference
Decline codes indicate why a credit or debit card transaction was refused.
Below is a categorized guide to common decline codes.
Hard Codes should not be retried, while Soft Codes may be reattempted.
Hard Codes – Do Not Reattempt
Code | Meaning |
---|---|
04 | Pick up card – Reported lost/stolen or overdrawn/expired. |
41 | Lost card – Reported lost by cardholder; issuer declines transaction. |
43 | Stolen card – Issuer requests card be retained. |
46 | Closed account – Account closed or validation issue; do not retry. |
R1 | Revocation of authorization order – Customer revoked payment authorization to merchant. |
R3 | Revocation of all authorization – Customer canceled all recurring payments. |
14 | Invalid card number – Processor cannot locate account. |
53 | Consumer dispute – Often linked to a chargeback. |
Soft Codes – Retry Allowed
Code | Meaning |
---|---|
17 | Customer cancellation – Cardholder canceled the transaction before completion. |
05 | Do not honor – Issuer declined; may approve later. |
07 | Pick up card – Possibly marked as fraudulent; borderline case. |
19 | Re-enter – Unknown error; retry may succeed. |
51 | Insufficient funds – Cardholder over limit or would exceed limit. |
61 | Exceeds withdrawal limit – Similar to 51; insufficient funds. |
92 | Unable to route – Terminal cannot reach issuer. |
Unknown – Likely Retry
Code | Meaning |
---|---|
12 | Invalid transaction – Issuer does not accept this transaction type. |
57 | Transaction not allowed – Bank has blocked this type of transaction; cardholder must call issuer. |
59 | Suspected fraud – Issuer declined due to possible fraud; no card retention request. |
62 | Restricted card – Card may not support online purchases. |
78 | Record not found – Issuer cannot locate an account for this card. |
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