generated: '2026-09-12' method: searched source: https://developers.genome.eu/list-of-response-codes/ docs: https://developers.genome.eu/list-of-response-codes/ provider: Genome providerId: genome description: >- The card-decline slice of Genome's response-code registry — the 3100-3199 issuer/acquirer band and the 3200-3299 anti-fraud band. These are the codes that mean "the money did not move and a human or agent has to decide what to do next", as distinct from the malformed-request and account-eligibility codes carried in errors/genome-error-codes.yml. envelope_field: code envelope_message_field: message http_status_on_decline: 200 masking: note: >- Genome publishes the full decline text for every code, so nothing is masked at the API boundary — the merchant sees the real reason. That makes masking the MERCHANT's responsibility: codes such as 3102 (card lost or stolen), 3127 (bank negative list), 3128 (fraud bank decline), 3200 and 3220 (anti-fraud declines) must not be surfaced verbatim to a buyer, because doing so tells a card-tester exactly which card failed which control. safe_to_show_buyer: - 3101 - 3104 - 3105 - 3107 - 3123 never_show_buyer: - 3102 - 3119 - 3120 - 3127 - 3128 - 3200 - 3201 - 3220 - 3221 unknown_outcome_note: >- Five decline-band codes are NOT declines — 3109, 3117, 3118, 3124 and 3125 leave the transaction in an UNKNOWN state and Genome's own behaviour table requires a CHECK request to resolve them. Retrying the payment instead of checking is how a cardholder gets charged twice. decline_codes: - code: 3100 meaning: "Transaction declined by bank network" action: "Ask the cardholder for a different payment method. Do not retry the same card automatically." band: issuer-acquirer - code: 3101 meaning: "Insufficient funds" action: "Insufficient funds — a later retry may succeed. Respect issuer retry limits; do not retry in a tight loop." band: issuer-acquirer - code: 3102 meaning: "Card lost or stolen" action: "Card reported lost or stolen. Do not retry. Do not disclose the reason to the buyer." band: issuer-acquirer - code: 3103 meaning: "3d secure authentication failed" action: "3-D Secure authentication failed. Restart the 3DS flow or offer another method." band: issuer-acquirer - code: 3104 meaning: "Invalid CVV" action: "Invalid CVV. Re-collect the CVV; do not retry with the same value." band: issuer-acquirer - code: 3105 meaning: "Card expired due to expiry date or expiry date is not correct" action: "Expiry date wrong or card expired. Re-collect expiry." band: issuer-acquirer - code: 3106 meaning: "Bank cannot process selected amount" action: "Issuer will not process this amount. Try a lower amount or another method." band: issuer-acquirer - code: 3107 meaning: "Invalid card number" action: "Invalid card number. Re-collect the PAN." band: issuer-acquirer - code: 3108 meaning: "It is not possible to issue refund due to bank limit" action: "Refund exceeds the bank refund limit. Split the refund or contact Genome support." band: issuer-acquirer - code: 3109 meaning: "Timeout between PSP and bank" action: "Timeout between PSP and bank — outcome UNKNOWN. Send a CHECK request before any retry." band: issuer-acquirer outcome: unknown - code: 3110 meaning: "Not all required data was provided to the specific bank" action: "Bank required data that was not supplied. Fix the request payload; do not blind-retry." band: issuer-acquirer - code: 3111 meaning: "Access error to a bank acquirer" action: "Acquirer access error. Retry later or route to another MID." band: issuer-acquirer - code: 3112 meaning: "Card type is not supported by MID" action: "Card type not supported by the MID. Route to a MID that supports it." band: issuer-acquirer - code: 3113 meaning: "Transaction type is not supported by MID" action: "Transaction type not supported by the MID." band: issuer-acquirer - code: 3114 meaning: "Currency is not supported by MID" action: "Currency not supported by the MID." band: issuer-acquirer - code: 3115 meaning: "Refund not possible by bank" action: "Bank will not process the refund. Refund out of band." band: issuer-acquirer - code: 3116 meaning: "Country is not supported by MID" action: "Country not supported by the MID." band: issuer-acquirer - code: 3117 meaning: "Malformed bank response" action: "Malformed bank response — outcome UNKNOWN. Send a CHECK request." band: issuer-acquirer outcome: unknown - code: 3118 meaning: "Connection error between PSP and bank" action: "Connection error between PSP and bank — outcome UNKNOWN. Send a CHECK request." band: issuer-acquirer outcome: unknown - code: 3119 meaning: "Referral or restricted card" action: "Referral or restricted card. Do not retry." band: issuer-acquirer - code: 3120 meaning: "Risk Bank Decline" action: "Risk decline at the bank. Do not retry." band: issuer-acquirer - code: 3121 meaning: "Invalid acquirer token" action: "Invalid acquirer token. Re-tokenize the card." band: issuer-acquirer - code: 3122 meaning: "Invalid acquirer reference" action: "Invalid acquirer reference. Verify the base_reference you sent." band: issuer-acquirer - code: 3123 meaning: "Card 3D secure is not enabled" action: "Card is not enrolled in 3-D Secure. Use a non-3DS flow if the MID allows it." band: issuer-acquirer - code: 3124 meaning: "Unknown acquirer processing status" action: "Unknown acquirer processing status — outcome UNKNOWN. Send a CHECK request." band: issuer-acquirer outcome: unknown - code: 3125 meaning: "Acquirer internal error" action: "Acquirer internal error — outcome UNKNOWN. Send a CHECK request." band: issuer-acquirer outcome: unknown - code: 3126 meaning: "Withdrawal frequency limit exceeded" action: "Withdrawal frequency limit exceeded. Wait before retrying." band: issuer-acquirer - code: 3127 meaning: "Bank negative list" action: "Card is on a bank negative list. Do not retry." band: issuer-acquirer - code: 3128 meaning: "Fraud bank decline" action: "Fraud decline at the bank. Do not retry." band: issuer-acquirer - code: 3129 meaning: "Authorization declined" action: "Authorization declined. Offer another payment method." band: issuer-acquirer - code: 3130 meaning: "Revocation of authorization order" action: "Revocation of authorization order — the cardholder revoked standing authority. Stop recurring attempts." band: issuer-acquirer - code: 3131 meaning: "Repeats not allowed by operator" action: "Repeats not allowed by the operator. Stop retrying." band: issuer-acquirer - code: 3132 meaning: "Recurring is stopped by the customer" action: "Recurring stopped by the customer. Cancel the subscription attempt." band: issuer-acquirer - code: 3134 meaning: "Transaction is expired (by bank)" action: "Transaction expired at the bank. Start a new transaction." band: issuer-acquirer - code: 3135 meaning: "Verification required by issuer" action: "Issuer requires verification. Route through 3-D Secure." band: issuer-acquirer - code: 3140 meaning: "General bank decline" action: "General bank decline. Offer another payment method." band: issuer-acquirer - code: 3150 meaning: "Invalid transaction" action: "Invalid transaction. Review the request against the field reference." band: issuer-acquirer - code: 3157 meaning: "Transaction not permitted" action: "Transaction not permitted for this card or account." band: issuer-acquirer - code: 3170 meaning: "Invalid or closed account" action: "Invalid or closed account. Do not retry." band: issuer-acquirer - code: 3200 meaning: "Declined by anti-fraud system" action: "Declined by the Genome anti-fraud system. Do not retry." band: anti-fraud - code: 3201 meaning: "Sent for manual review by anti-fraud system" action: "Held for manual anti-fraud review. Poll with CHECK; do not resubmit." band: anti-fraud - code: 3202 meaning: "Volume limit exceeded" action: "Volume limit exceeded. Wait for the limit window or contact Genome." band: anti-fraud - code: 3203 meaning: "Refund limit exceeded" action: "Refund limit exceeded. Contact Genome support." band: anti-fraud - code: 3220 meaning: "Declined by anti-fraud trust lists" action: "Declined by an anti-fraud trust list. Do not retry." band: anti-fraud - code: 3221 meaning: "Sent for manual review by anti-fraud trust lists" action: "Held for manual review by an anti-fraud trust list. Poll with CHECK; do not resubmit." band: anti-fraud summary: decline_code_count: 45 issuer_acquirer: 39 anti_fraud: 6 unknown_outcome: 5 maintainers: - FN: Kin Lane email: kin@apievangelist.com