List of decline codes and meanings for 2025 Use the link below (decline codes article 2025) to be able to open the ? next to the code for explanation of the code itself. This information is provided by Chargebacks 911 https://chargebacks911.com/


Decline Codes Article 2025


Credit Card Decline Codes: A Complete List of Codes & How to Respond to Each

Quick preface: credit card decline codes are not fully standardized.

They can differ from one payment gateway to the next, so there may be some redundancies in the codes, or even occasional mismatches. For example, some gateways use code “00” to mean the payment has been approved, while others use the same code to mean “Issuer System Unavailable,” and then use code “11” to signify an approval.

The codes also tend to be rather vague, as this helps protect the cardholder’s privacy and avoid giving away sensitive information in the event of a genuine fraud attack.

With that out of the way, here’s the complete list of credit card decline codes, along with the meaning used by most payment gateways:

Code 01  |  Refer To Issuer

Code 02  |  Refer To Issuer (Special Condition)

Code 03  |  Invalid Merchant

Code 04  |  Pick Up Card (No Fraud)

Code 05  |  Do not honor

Code 06  |  Error

Code 07  |  Pick Up Card, Special Condition (Fraud Account)

Code 01A  |  Additional Customer Authentication Required

Code 10  |  Partial Approval

Code 12  |  Invalid Transaction

Code 13  |  Invalid Amount

Code 14  |  Invalid Card Number

Code 15  |  No Such Issuer

Code 19  |  Re-Enter Transaction

Code 21  |  No Action Taken

Code 25  |  Unable To Locate Record In File

Code 28  |  File Is Temporarily Unavailable

Code 39  |  No Credit Account

Code 41  |  Lost Card, Pick Up

Code 43  |  Stolen Card, Pick Up

Code 51  |  Insufficient Funds

Code 52  |  No Checking Account

Code 53  |  No Savings Account

Code 54  |  Expired Card Or Expiration Date Missing

Code 55  |  Incorrect PIN

Code 57  |  Transaction Not Permitted – Card

Code 58  |  Transaction Not Permitted – Terminal

Code 59  |  Suspected Fraud

Code 61  |  Exceeds Issuer Withdrawal Limit

Code 62  |  Invalid Service Code – Restricted

Code 63  |  Security Violation

Code 64  |  Transaction Doesn’t Fulfill AML Requirements

Code 65  |  Activity limit exceeded or insufficient funds

Code 75  |  Allowance Number Of Pin Entry Tries Exceeded

Code 76  |  Unsolicited Reversal

Code 78  |  Blocked, First Use

Code 79  |  Already Reversed

Code 80  |  No Financial Impact

Code 81  |  Cryptographic Error Found in PIN

Code 82  |  Negative CAM, dCVV, iCVV, or CVV results

Code 85  |  No Reason To Decline

Code 86  |  Cannot Verify PIN

Code 89  |  Ineligible to Receive Financial Position Information (GIV)

Code 91  |  Issuer Or Switch Is Unavailable

Code 93  |  Violation, Cannot Complete

Code 94  |  Duplicate Transmission

Code 96  |  System Error

Code B2  |  Surcharge Amount not Supported by Debit Network Issuer

Code N0  |  Force STIP

Code N3  |  Cash Service Not Available

Code N4  |  Cash Request Exceeds Issuer Or Approved Limit

Code N5  |  Ineligible For Resubmission

Code N7  |  Decline For CVV2 Failure

Code N8  |  Transaction Amount Exceeds Preauthorized Approval Amount

Code Q1  |  Card Authentication Failed

Code R0  |  Stop Payment Order