generated: '2026-08-27'
method: searched
source: https://doc.toasttab.com/doc/platformguide/adminCreditCardDeclinedMessageReference.html
docs:
- https://doc.toasttab.com/doc/platformguide/adminCreditCardDeclinedMessageReference.html
- https://doc.toasttab.com/doc/devguide/authorizingCcPayments.html
provider: Toast
providerId: toast
summary: Toast publishes a reference of the decline messages a Toast POS terminal displays when a card
  payment is refused. Toast states explicitly that these messages and descriptions are produced by the
  CARD PROCESSOR, not by Toast, and are subject to change by the card network without notice - so they
  are a display vocabulary a partner should recognise, not a stable Toast API enum. They are the surface
  a guest and a server actually see; the Toast credit cards API returns its own ErrorMessage envelope
  (see errors/toast-problem-types.yml) rather than these strings.
envelope_field: Toast POS decline message (terminal display string)
api_surface: PUT /ccpartner/v1/merchants/{merchantUuid}/payments/{paymentUuid} - the credit cards API
  authorization operation - returns 400/404/409/422/500 with a Toast ErrorMessage. The decline strings
  below are the processor-originated messages shown on the terminal, not values of the API error code.
masked_to_buyer: Toast does not publish a mapping of which decline reasons are masked from the guest.
  The messages below are what the POS shows to the restaurant operator.
decline_code_count: 28
decline_codes:
- code: '*REQUEST DENIED*'
  meaning: Do not honor
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: AUTH DECLINED
  meaning: Do not honor Transaction not permitted to issuer/cardholder Exceeds withdrawal limit Domain
    Restriction Controls Fail Declined-transaction in violation of law Declined PIN attempts
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: AUTH TRN NO AL'W
  meaning: Auth transaction not allowed for this payment
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: CALL OPER
  meaning: Refer to card issuer Refer to call center
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: CALL VOICE OPER
  meaning: Refer to card issuer Re-enter transaction
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: CARD EXPIRED
  meaning: Expiration date check failed Expired card Card expiry date less than current date
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: CARDHLDR DECLINE
  meaning: Declined per cardholder request
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: CVD ERROR
  meaning: Do not honor
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: DECLINED
  meaning: Declined by user Invalid effective date on card
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: ERR PROC FIELD
  meaning: Format error, invalid value in message
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: HOLD - CALL
  meaning: Pick up
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: INV CARD NUMBER
  meaning: Invalid cardholder account Account number not found in BIN table
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: INVALID AMOUNT
  meaning: Invalid amount
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: INVALID CARD
  meaning: Invalid card number
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: INVALID CARD NO
  meaning: Invalid card number
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: INVALID EXP DATE
  meaning: Invalid expiry date
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: INVALID FUNCTION
  meaning: Transaction not permitted to terminal
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: INVALID MERC NO
  meaning: Invalid merchant or terminal
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: INVALID PIN
  meaning: Invalid pin
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: LOST/STOLEN CARD
  meaning: Lost or stolen card
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: NO CHECKING ACCT
  meaning: Error
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: PICK UP CARD
  meaning: Pick up card Decline - pick up card Pick up card - No Fraud Pick up card (Special Condition)
    Pick up card (Special Condition)(Fraud Account) Lost card - pick up Stolen card - pick up
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: PIN TRIES EXCEED
  meaning: Re-enter transaction
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: PROC ERROR 13
  meaning: System error
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: SECURITY VIOLATION
  meaning: Security violation
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: TRAN NOT ALLOWED
  meaning: Transaction not permitted to terminal
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: TRANS DENIED
  meaning: Do not honor Invalid cardholder account Unable to locate record Insufficient funds Restricted
    card Security violation Account activity limit exceeded Allowable number of PIN entry tries exceeded
    One or more errors in message File is unavailable No credit account Fraudulent activity detected
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
- code: TRANS NOT ALLOW
  meaning: Transactions not allowed to cardholder Transactions not allowed to terminal Illegal transaction
    - violation of law Capture transactions not allowed for this payment type Capture transaction on authorization
    only terminal Private label transaction not allowed for terminal Store reporting transactions not
    allowed
  action: Ask the guest for another form of payment; the reason originates with the card issuer or network
    and cannot be resolved by retrying the same card.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com