generated: '2026-10-12' method: searched source: https://docs.moov.io/guides/money-movement/accept-payments/card-acceptance/declines/ envelope: failureCode on the card transfer decline_codes: - code: account-closed meaning: The account is closed action: Do not re-attempt with the same information - there will be a fee assessed. Re-submit with different credentials or contact issuer - code: account-not-activated meaning: The card or account has not been activated action: Ask the cardholder to activate the card or account with their issuer, then re-attempt - code: amount-limit-exceeded meaning: The amount entered exceeds issuer or approved amount action: Re-attempt with a lesser amount or at a later date so the limit resets. Contact issuer to discuss adjusting limits - code: authentication-failed meaning: Cardholder authentication (for example, 3-D Secure) was attempted, but failed verification action: Ask the cardholder to retry authentication with their issuer, or verify authentication details before re-attempting - code: authentication-required meaning: The transaction requires additional cardholder authentication (such as 3-D Secure) before it can be approved action: Prompt the cardholder to complete the required authentication step, then re-attempt - code: call-issuer meaning: An issue occurred which must be handled by the card issuer action: Contact card issuer for decline reason - code: card-not-activated meaning: The card has not been properly unblocked action: Please contact the bank for support or use a different card - code: cardholder-account-closed meaning: The account is closed action: Do not re-attempt with the same information - there will be a fee assessed. Re-submit with different credentials or contact issuer - code: cardholder-action-required meaning: Before the transaction can proceed, the cardholder must take an action, such as contacting the issuer or confirming details action: Ask the cardholder to contact the issuer, or complete the required verification, then re-attempt - code: could-not-route meaning: The financial institution cannot be found for routing (receiving institution ID is invalid) action: Please verify the routing information and re-attempt with updated details - code: cvv-mismatch meaning: The CVV verification failed action: Please verify the CVV and re-attempt with updated details. Monitor for potential fraud - code: do-not-honor meaning: The issuer will not allow the transaction action: Re-attempt with different credentials or at a later time. Contact issuer for additional support - code: duplicate-transaction meaning: The transaction is a duplicate of one already submitted action: Do not re-attempt with the same information. Confirm whether the original transaction succeeded before resubmitting. - code: expired-card meaning: The card has expired or expiration date is missing action: Please verify the expiration and re-attempt with updated details. Monitor for potential fraud - code: format-error meaning: The transaction message contains an invalid or malformed field action: Do not re-attempt without correcting the request. Review transaction fields for formatting issues or contact support - code: incorrect-pin meaning: The PIN is incorrect or missing when required action: Please re-attempt with an updated PIN - code: insufficient-funds meaning: This card has insufficient funds to complete the transaction action: Please re-attempt with a lesser amount or at a later time - code: invalid-amount meaning: The amount entered is invalid action: Please re-attempt with a different amount - code: invalid-card-number meaning: The card number is incorrect action: Do not re-attempt with the same information - there will be a fee assessed. Verify card information and re-submit with different credentials - code: invalid-merchant meaning: The card is not allowed at this merchant or MCC action: Re-attempt once the cardholder has confirmed the restriction has been removed - code: invalid-pin meaning: The PIN provided is invalid action: Please re-attempt with a valid PIN - code: invalid-transaction meaning: The transaction is invalid action: Do not re-attempt - there will be a fee assessed. Evaluate potential fraud or technical issues - code: issuer-not-available meaning: The Issuer was unavailable for the transaction and STIP is not applicable or not available for this transaction action: Can re-attempt the same day. Contact Issuer for additional support - code: lost-or-stolen meaning: The card was reported as lost or stolen action: Do not re-attempt with the same information - there will be a fee assessed. Re-submit with different credentials or contact Issuer - code: no-such-issuer meaning: The issuer is invalid action: Do not re-attempt - there will be a fee assessed. Evaluate potential fraud or technical issues - code: offline-approved meaning: The transaction was approved offline by the card's chip without online issuer authorization action: No action required. These transactions settle through normal offline-authorization processing. - code: offline-declined meaning: The transaction was declined offline by the card's chip without online issuer authorization action: Ask the cardholder to try a different card or payment method - code: partial-approval meaning: Only part of the requested amount was approved, typically due to a balance limit on a prepaid or gift card action: Confirm the approved amount with the cardholder and collect the remaining balance through another payment method - code: payment-stopped meaning: The cardholder has requested that the payment (for example, a recurring payment) be stopped action: Do not re-attempt with the same information. Contact the cardholder to confirm whether the payment should be canceled. - code: pin-required meaning: A PIN is required to complete the transaction but was not provided action: Re-attempt the transaction with a PIN - code: processing-error meaning: The transaction could not be processed due to processing error action: Ensure payment details are valid or contact issuer for more information - code: record-not-found meaning: The original transaction record referenced could not be found action: Verify the original transaction details before re-attempting - code: reenter-transaction meaning: The transaction could not be processed due to an error in message structure or field format action: Review Address Verification Result or contact acquirer to evaluate possible format errors - code: revocation-of-authorization meaning: Revocation of authorization order action: Do not re-attempt with the same information - there will be a fee assessed. Contact cardholder about the recurring payment cancellation - code: surcharge-not-permitted meaning: A surcharge was applied, but surcharging is not permitted for this card or region action: Remove the surcharge and re-attempt the transaction - code: suspected-fraud meaning: The transaction was declined because of suspected fraud action: Cardholder should contact issuer and should only re-attempt after receiving confirmation of legitimacy - code: transaction-not-allowed meaning: The transaction was not allowed action: Do not re-attempt with the same information - there will be a fee assessed. Re-submit with different credentials or contact issuer - code: transaction-reversed meaning: The original transaction has been reversed action: Typically, no further action is required. Confirm the reversal with the cardholder or issuer if unexpected. - code: velocity-limit-exceeded meaning: The transaction exceeds the card or account’s withdrawal frequency limit action: Re-attempt at a later date so the limit resets. Contact issuer to discuss adjusting limits - code: verification-failed meaning: Card or account verification failed action: Please verify the card details and re-attempt with updated information