Debit Card Decline Codes

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

CodeMeaning
04Pick up card – Reported lost/stolen or overdrawn/expired.
41Lost card – Reported lost by cardholder; issuer declines transaction.
43Stolen card – Issuer requests card be retained.
46Closed account – Account closed or validation issue; do not retry.
R1Revocation of authorization order – Customer revoked payment authorization to merchant.
R3Revocation of all authorization – Customer canceled all recurring payments.
14Invalid card number – Processor cannot locate account.
53Consumer dispute – Often linked to a chargeback.

Soft Codes – Retry Allowed

CodeMeaning
17Customer cancellation – Cardholder canceled the transaction before completion.
05Do not honor – Issuer declined; may approve later.
07Pick up card – Possibly marked as fraudulent; borderline case.
19Re-enter – Unknown error; retry may succeed.
51Insufficient funds – Cardholder over limit or would exceed limit.
61Exceeds withdrawal limit – Similar to 51; insufficient funds.
92Unable to route – Terminal cannot reach issuer.

Unknown – Likely Retry

CodeMeaning
12Invalid transaction – Issuer does not accept this transaction type.
57Transaction not allowed – Bank has blocked this type of transaction; cardholder must call issuer.
59Suspected fraud – Issuer declined due to possible fraud; no card retention request.
62Restricted card – Card may not support online purchases.
78Record not found – Issuer cannot locate an account for this card.

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