generated: '2026-07-20'
method: searched
source: https://docs.rainforestpay.com/docs/test-accounts-and-cards
note: >-
  Card decline / refusal codes surfaced on a payin when a card payment fails. The code
  appears on the payin as a refusal/decline reason; the payin status becomes FAILED.
  Values below are documented on Rainforest's sandbox test-card reference.
envelope_field: refusal_code
decline_codes:
- code: DECLINED
  meaning: Generic decline by the issuer.
  action: Ask the buyer for a different payment method.
- code: INSUFFICIENT_FUNDS
  meaning: The account does not have sufficient funds.
  action: Ask the buyer to use a different card or retry later.
- code: EXPIRED_CARD
  meaning: The card is expired.
  action: Ask the buyer for a card with a valid expiration date.
- code: INCORRECT_PAYMENT_INFORMATION
  meaning: AVS / card verification mismatch (e.g. address mismatch, AVS code N).
  action: Ask the buyer to re-enter card and billing details.
notes: >-
  Any card number not on Rainforest's approved test-card list returns a generic DECLINED
  in sandbox. AVS "zip only" (code Z) and "unavailable" (code U) still process (PROCESSING),
  while a full address mismatch (code N) fails with INCORRECT_PAYMENT_INFORMATION.