generated: '2026-08-05'
method: searched
source: https://developer.uphold.com/rest-apis/core-api/accounts/test-helpers/fund-sandbox-accounts
docs: https://developer.uphold.com/rest-apis/core-api/accounts/test-helpers/fund-sandbox-accounts
scope: card deposits and withdrawals
note: >-
  Uphold publishes NO standalone acquirer decline-code reference. The only card-failure codes it
  documents anywhere are the six reserved-amount simulation triggers in the Sandbox funding guide, so
  those are recorded here verbatim rather than inferred. Treat this as an incomplete surface: a live
  card decline in Production may carry a code that Uphold has never published. General API errors are a
  separate, well-documented surface — see errors/uphold-problem-types.yml (49 codes).
envelope:
  field: code
  shape: '{code, message, details}'
  reference: errors/uphold-problem-types.yml
simulation:
  mechanism: reserved transaction amount on any Sandbox test card
  environment: Sandbox only
decline_codes:
- code: card_unauthorized
  meaning: The card is not authorized for this transaction.
  action: >-
    Do not retry with the same card. Ask the user for a different payment method or to contact their
    issuer.
  simulate_amount: ['12.12', '60.60']
- code: card_declined_by_bank
  meaning: The issuing bank declined the transaction.
  action: Ask the user to contact their issuer, or to use a different card.
  simulate_amount: ['15.15']
- code: card_expired
  meaning: The card has expired.
  action: Prompt the user to update the card's expiry or link a new card.
  simulate_amount: ['20.20']
- code: insufficient_funds
  meaning: The card has insufficient funds to cover the amount.
  action: Prompt for a smaller amount or a different funding source. Safe to retry later.
  simulate_amount: ['26.26']
- code: velocity
  meaning: The card has exceeded its transaction velocity limit.
  action: Back off and retry after the issuer's velocity window; do not loop retries.
  simulate_amount: ['34.34']
masked_to_buyers:
  documented: false
  note: >-
    Uphold does not document which decline reasons may be shown to an end user versus kept to the
    integrator. Default to a generic message and log the raw code.
related_balance_errors:
- code: insufficient_balance
  note: Distinct from card insufficient_funds — this is an Uphold account balance failure on a quote.
- code: transaction_amount_invalid
  note: >-
    Amount above a limit or drawing on unsettled funds; the response `details` carries the limit and
    the rule that fired.