generated: '2026-08-01' method: searched source: https://docs.mollie.com/reference/status-reasons envelope_field: statusReason.code envelope_note: Returned on the Payment object as statusReason, carrying a code and a human-readable message. Card payments additionally surface a failureReason on the payment response. categories: - card-scheme - merchant - terminal - voucher counts: card_scheme: 82 merchant: 15 terminal: 2 voucher: 20 total_rows: 119 masking_note: Mollie publishes generic buyer-facing messaging for issuer declines; specific issuer reasons such as suspected_fraud, lost_card and stolen_card should not be shown to the shopper. Mollie does not publish an explicit masked/unmasked flag per code, so no per-code masking claim is recorded here. test_simulation: Card failure reasons are triggered in test mode with magic EUR amounts — see sandbox/mollie-sandbox.yml. decline_codes: - code: refer_to_card_issuer category: card-scheme meaning: Transaction was cancelled after being initially approved by the issuer, due to returns or other reasons - code: invalid_merchant category: card-scheme meaning: Transaction was refused by the card issuer - code: capture_card category: card-scheme meaning: Card issuer requests to retain the card due to suspected counterfeit or theft - code: do_not_honor category: card-scheme meaning: Generic refusal with multiple possible causes - code: error category: card-scheme meaning: Payment could not be authorised and resulted in an error - code: partial_approval category: card-scheme meaning: Partial approval made but transaction not finalized - code: invalid_transaction category: card-scheme meaning: Transaction type is not supported by the card issuer - code: invalid_amount category: card-scheme meaning: Transaction amount is incorrect - code: invalid_issuer category: card-scheme meaning: Card issuer is not valid - code: lost_card category: card-scheme meaning: Card has been reported as lost - code: stolen_card category: card-scheme meaning: Card has been reported as stolen - code: insufficient_funds category: card-scheme meaning: Account associated with the card has insufficient funds - code: expired_card category: card-scheme meaning: Card has expired - code: invalid_pin category: card-scheme meaning: PIN entered is incorrect - code: transaction_not_permitted_to_cardholder category: card-scheme meaning: Transaction is not permitted for the cardholder - code: transaction_not_allowed_at_terminal category: card-scheme meaning: Transaction is not permitted at the acquirer terminal - code: exceeds_withdrawal_amount_limit category: card-scheme meaning: Transaction exceeds the withdrawal amount limit - code: restricted_card category: card-scheme meaning: Card is restricted - code: security_violation category: card-scheme meaning: There is a security violation - code: exceeds_withdrawal_count_limit category: card-scheme meaning: Transaction exceeds the withdrawal count limit - code: allowable_number_of_pin_tries_exceeded category: card-scheme meaning: Allowable number of PIN tries has been exceeded - code: no_reason_to_decline category: card-scheme meaning: There is no specific reason to decline the request - code: cannot_verify_pin category: card-scheme meaning: PIN cannot be verified - code: issuer_unavailable category: card-scheme meaning: The issuer is not available - code: unable_to_route_transaction category: card-scheme meaning: Transaction cannot be routed - code: duplicate_transaction category: card-scheme meaning: Duplicate transaction detected - code: system_malfunction category: card-scheme meaning: There is a system malfunction - code: honor_with_id category: card-scheme meaning: Honor with ID - code: invalid_card_number category: card-scheme meaning: Card number is incorrect - code: format_error category: card-scheme meaning: Format error in the transaction - code: contact_card_issuer category: card-scheme meaning: Card issuer needs to be contacted - code: pin_not_changed category: card-scheme meaning: PIN not changed - code: invalid_nonexistent_to_account_specified category: card-scheme meaning: Invalid or nonexistent 'To Account' specified - code: invalid_nonexistent_from_account_specified category: card-scheme meaning: Invalid or nonexistent 'From Account' specified - code: invalid_nonexistent_account_specified category: card-scheme meaning: Invalid or nonexistent account was specified - code: lifecycle_related category: card-scheme meaning: Transaction was declined due to life cycle issues - code: domestic_debit_transaction_not_allowed category: card-scheme meaning: Domestic debit transaction not allowed - code: policy_related category: card-scheme meaning: Transaction was declined due to policy reasons - code: fraud_security_related category: card-scheme meaning: Transaction was declined due to fraud or security concerns - code: invalid_authorization_life_cycle category: card-scheme meaning: Invalid authorization life cycle - code: purchase_amount_only_no_cash_back_allowed category: card-scheme meaning: Purchase amount only, no cash back allowed - code: cryptographic_failure category: card-scheme meaning: There is a cryptographic failure - code: unacceptable_pin category: card-scheme meaning: Unacceptable PIN - code: refer_to_card_issuer_special_condition category: card-scheme meaning: Refer to card issuer, special condition - code: pick_up_card_special_condition category: card-scheme meaning: Card issuer requests to retain the card - code: vip_approval category: card-scheme meaning: V.I.P Approval - code: invalid_account_number category: card-scheme meaning: Account number is incorrect - code: re_enter_transaction category: card-scheme meaning: Transaction should be re-entered - code: no_action_taken category: card-scheme meaning: No action taken (unable to back out prior transaction) - code: unable_to_locate_record category: card-scheme meaning: Unable to locate record in file, or account number missing - code: file_temporarily_unavailable category: card-scheme meaning: File is temporarily unavailable - code: no_credit_account category: card-scheme meaning: No credit account - code: closed_account category: card-scheme meaning: Account associated with the card is closed - code: no_checking_account category: card-scheme meaning: No checking account - code: no_savings_account category: card-scheme meaning: No savings account - code: suspected_fraud category: card-scheme meaning: Transaction is suspected of fraud - code: transaction_does_not_fulfill_aml_requirement category: card-scheme meaning: Transaction does not fulfill AML requirement - code: pin_data_required category: card-scheme meaning: PIN data is required - code: unable_to_locate_previous_message category: card-scheme meaning: Unable to locate previous message - code: previous_message_located_inconsistent_data category: card-scheme meaning: Previous message located, but reversal data inconsistent - code: blocked_first_used category: card-scheme meaning: Transaction from new cardholder, card not properly unblocked - code: transaction_reversed category: card-scheme meaning: Transaction reversed - code: credit_issuer_unavailable category: card-scheme meaning: Credit issuer is unavailable - code: pin_cryptographic_error_found category: card-scheme meaning: PIN cryptographic error found during decryption - code: negative_online_cam_result category: card-scheme meaning: Transaction was declined due to negative online CAM results - code: violation_of_law category: card-scheme meaning: Transaction cannot be completed due to violation of law - code: force_stip category: card-scheme meaning: Force STIP - code: cash_service_not_available category: card-scheme meaning: Cash service is not available - code: cashback_request_exceeds_issuer_limit category: card-scheme meaning: Cashback request exceeds the issuer limit - code: decline_for_cvv2_failure category: card-scheme meaning: Transaction was declined due to CVV2 failure - code: transaction_amount_exceeds_pre_authorized_amount category: card-scheme meaning: Transaction amount exceeds pre-authorized approval amount - code: invalid_biller_information category: card-scheme meaning: Invalid biller information - code: pin_change_unblock_request_declined category: card-scheme meaning: PIN change/unblock request declined - code: unsafe_pin category: card-scheme meaning: Unsafe PIN - code: card_authentication_failed category: card-scheme meaning: Card authentication failed, or offline PIN authentication interrupted - code: stop_payment_order category: card-scheme meaning: There is a stop payment order - code: revocation_of_authorization category: card-scheme meaning: Revocation of authorisation order - code: revocation_of_all_authorizations category: card-scheme meaning: Revocation of all authorisation orders - code: forward_to_issuer_xa category: card-scheme meaning: Forward to issuer - code: forward_to_issuer_xd category: card-scheme meaning: Forward to issuer - code: unable_to_go_online category: card-scheme meaning: Transaction was declined offline - code: additional_customer_authentication_required category: card-scheme meaning: Additional customer authentication required - code: merchant_id_not_found category: merchant meaning: Merchant ID not found - code: merchant_account_closed category: merchant meaning: Merchant account closed - code: terminal_id_not_found category: merchant meaning: Terminal ID not found - code: terminal_closed category: merchant meaning: Terminal closed - code: invalid_category_code category: merchant meaning: Invalid category code - code: invalid_currency category: merchant meaning: Invalid currency - code: missing_cvv2_cvc2 category: merchant meaning: Missing CVV2/CVC2 - code: cvv2_not_allowed category: merchant meaning: CVV2 not allowed - code: merchant_not_registered_vbv category: merchant meaning: Merchant not registered for Verified by Visa / Secure Code - code: merchant_not_registered_for_amex category: merchant meaning: Merchant not registered for Amex - code: transaction_not_permitted_at_terminal category: merchant meaning: Transaction not permitted at terminal - code: agreement_terminal_not_related category: merchant meaning: Agreement and terminal are not related - code: invalid_processor_id category: merchant meaning: Invalid processor ID - code: invalid_merchant_data category: merchant meaning: Invalid merchant data (Name, City or Postal Code) - code: sub_merchant_account_closed category: merchant meaning: Sub-merchant account closed - code: terminal_busy category: terminal meaning: Another transaction was already ongoing on the terminal - code: terminal_unreachable category: terminal meaning: Transaction did not reach the terminal within 30 seconds - code: service_failed category: voucher meaning: Service failed - code: invalid_operation category: voucher meaning: Invalid operation - code: authorization_error category: voucher meaning: Authorization failed, not logged in - code: login_failed_without_reason category: voucher meaning: Login failed (reason not specified) - code: invalid_retailer category: voucher meaning: Invalid or unknown retailer - code: refer_to_card_issuer category: voucher meaning: Transaction was cancelled after being initially approved by the issuer - code: card_does_not_exist category: voucher meaning: Card or customer does not exist - code: expired_card category: voucher meaning: Card has expired - code: card_is_blocked category: voucher meaning: Card is blocked - code: insufficient_funds category: voucher meaning: Account associated with the card has insufficient funds - code: invalid_card_id category: voucher meaning: Invalid CardId - code: card_is_transferred category: voucher meaning: Card is transferred - code: card_is_not_active category: voucher meaning: Card is not active - code: incorrect_purchase_value category: voucher meaning: Incorrect activation or purchase value - code: card_not_available category: voucher meaning: Card not available - code: wrong_currency category: voucher meaning: Wrong currency - code: login_failed_unknown_user category: voucher meaning: 'Login failed: unknown user' - code: login_failed_invalid_password category: voucher meaning: 'Login failed: invalid password' - code: invalid_pin category: voucher meaning: Invalid PIN - code: invalid_ean_code category: voucher meaning: Invalid EAN code