generated: '2026-07-18'
method: searched
source: https://docs.coinflow.cash/guides/checkout/payment-methods/payment-methods/credit-debit-cards/common-card-error-codes
description: >-
  Coinflow card processing decline / error codes and transaction statuses, copied
  from the published card status & error-code reference. These are card-network
  processing codes surfaced on card checkout operations; they complement (do not
  replace) coinflow-problem-types.yml, which covers API-level HTTP responses.
transaction_statuses:
  - status: AUTHORIZED
    meaning: The transaction has been approved but not yet finalized.
    action: Monitor for settlement.
  - status: SETTLED
    meaning: The transaction is complete; funds moved from cardholder to merchant account.
    action: None required.
  - status: REFUNDED
    meaning: The transaction amount has been returned to the cardholder.
    action: None required.
  - status: FAILED
    meaning: The transaction was not successful.
    action: Retry or use an alternate payment method.
  - status: CHARGEBACK
    meaning: The cardholder disputes the transaction; the amount is under investigation.
    action: Gather documentation.
  - status: CHARGEBACK_LOST
    meaning: Dispute resolved in favor of the cardholder; merchant loses the funds.
    action: None available.
  - status: CHARGEBACK_WON
    meaning: Dispute resolved in favor of the merchant; funds retained.
    action: None required.
  - status: VOIDED
    meaning: The transaction was canceled before completion.
    action: None required.
  - status: EXPIRED
    meaning: Pix payment window expired (customers have 5 minutes to complete).
    action: Generate a new QR code.
decline_codes:
  - code: '1-2'
    meaning: Call Issuer
    action: Contact the card issuer's 800 number.
  - code: '4'
    meaning: Pick Up Card
    action: Contact issuer; use an alternate payment method.
  - code: '5'
    meaning: Do Not Honor
    action: Investigate hold/fraud flags; contact bank if unclear.
  - code: '6'
    meaning: Error
    action: Retry the transaction or contact the issuer.
  - code: '7'
    meaning: Pick Up Card (Fraud)
    action: Contact issuer immediately.
  - code: '10'
    meaning: Partial Approval
    action: Obtain additional payment for the balance.
  - code: '12'
    meaning: Invalid Transaction
    action: Verify card number, expiration, zip code; avoid rapid retries.
  - code: '13'
    meaning: Card Amount Invalid
    action: Re-enter a valid purchase amount.
  - code: '14'
    meaning: Card Number Invalid
    action: Re-enter the correct card number.
  - code: '15'
    meaning: No Such Issuer
    action: Verify the card's first digit matches the provider.
  - code: '19'
    meaning: Re-Enter
    action: Verify card is active; check spending limits.
  - code: '25'
    meaning: POS Condition Code Invalid
    action: Verify cardholder information.
  - code: '28'
    meaning: No Reply
    action: Wait and retry the transaction.
  - code: '41'
    meaning: Pick Up Card (Lost)
    action: Do not retry; obtain alternate payment.
  - code: '43'
    meaning: Pick Up Card (Stolen)
    action: Do not retry; obtain alternate payment.
  - code: '46'
    meaning: Account Closed/Invalid
    action: Cardholder must contact issuing bank.
  - code: '51'
    meaning: Insufficient Funds
    action: Request an alternate payment method.
  - code: '54'
    meaning: Card Expired
    action: Request a current card.
  - code: '57'
    meaning: Service Not Allowed
    action: Try a different card or payment method.
  - code: '59'
    meaning: Suspected Fraud
    action: Request an alternate payment.
  - code: '61'
    meaning: Withdrawal Limit Exceeded
    action: Request an alternate card.
  - code: '62'
    meaning: Restricted SIC Code
    action: Verify merchant/card compatibility.
  - code: '63'
    meaning: Restricted
    action: Verify the CVV security code.
  - code: '65'
    meaning: Activity Limit Exceeded
    action: Request an alternate payment.
  - code: '78'
    meaning: No Account
    action: Direct the customer to contact the issuer.
  - code: '91'
    meaning: Issuer Unavailable
    action: Wait and retry.
  - code: '93'
    meaning: Legal Violation
    action: Direct the customer to contact the issuer.
  - code: '96'
    meaning: System Malfunction
    action: Wait and retry.
  - code: '97'
    meaning: CVV Mismatch
    action: Re-enter the correct security code.
  - code: '997'
    meaning: User Failed 3DS
    action: Request the customer reattempt authentication.
  - code: '998'
    meaning: Rejected by Issuer
    action: Request an alternate payment.
  - code: '999'
    meaning: Rejected by Fraud Monitor
    action: Request an alternate payment.