The decline reason codes are relevant only for rejected transactions that failed due to one or multiple unsuccessful payment attempts via credit card. The error code indicates the payment decline reason from the payment processor. The error code is returned in the Transaction status webhook (rejected event) and is displayed on the Partner Portal (in failed transaction details).
For a deeper dive into the causes and solutions for card declines, please refer to our guide.
| Payment decline reason code | Description |
|---|---|
| SUSPECTED_FRAUD | Transaction declined due to potential fraudulent activity. |
| DO_NOT_HONOUR | Transaction denied by the issuing bank. |
| 3DS_FAILED | Rejected due to unsuccessful cardholder authentication. |
| INSUFFICIENT_FUNDS | Transaction declined due to lack of available funds. |
| NOT_PERMITTED | Rejected as the specified transaction is not allowed for the cardholder. |
| POLICY_REASONS | Transaction does not comply with card policy. |
| SECURITY_REASONS | Occurs when a transaction is suspected to be fraudulent. |
| INVALID_TRANSACTION | Declined by the bank due to an invalid transaction. |
| EXCEEDS_WITHDRAWAL_LIMIT | Payment declined as the defined amount exceeds the withdrawal value or amount limits. |
| PENDING_AUTHENTICATION | Payment failed due to pending cardholder authentication. |
| AUTHENTICATION_ERROR | Payment failed due to an authentication error, possibly related to a BIN Number Blacklist. |
| TECHNICAL_ERROR | Payment failed due to a security violation. |
| ACCOUNT_CLOSED | Payment declined because the customer's bank account is closed. |
| RESTRICTED_REGION | Payment declined due to card restrictions in the specified region or country. |
| SECURITY_CODE_INVALID | Payment declined due to an invalid security code (CVV2 failure). |
| LIMIT_EXCEEDED | Payment declined due to exceeding the withdrawal frequency limit or authentication requests. |
| DECLINED_SECURITY_REASONS | Transaction declined due to general security restrictions. |
| PARAMETER_MALFORMED | Transaction denied due to malformed or missing parameters. |
| INVALID_MERCHANT | Payment failed due to a technical issue with an invalid or inactive merchant. |
| NOT_PERMITTED_BY_LAW | Payment declined due to legal restrictions; cannot be completed due to a violation of law. |
| INVALID_ACCOUNT_NUMBER | Payment failed due to an invalid card or account number. |
| BLOCKED | Occurs when a cardholder hasn't activated or unblocked the card properly. |
| NOT_PERMITTED_ON_TERMINAL | Transaction not permitted to acquirer/terminal. |
| ERROR | Transaction denied due to technical error, such as invalid request parameters. |
| ERROR_GENERIC | Transaction declined with a generic error. |
| NO_SUCH_ISSUER | Payment declined due to invalid or incorrect issuer details. |
| CANNOT_BE_PROCESSED | Transaction could not be processed on the card issuer's end. |
| SECURITY_VIOLATION | Payment declined due to a security violation. |
| EXPIRED_CARD | Payment declined due to an expired card or an invalid expiration date. |
| NETWORK_ERROR | Payment failed due to a network error on the customer's end. |
| PICK_UP_CARD | Occurs when payment declined by the bank or issuer This situation often arises in cases where the card has been reported as lost, stolen. |
| STOLEN_CARD | Payment declined due to a reported stolen card. |
| STRONG_CUSTOMER_AUTHENTICATION | Payment declined due to Strong Customer Authentication (3DS) failure. |
| INVALID_AMOUNT | Payment failed due to an invalid amount or currency conversion overflow. |
| ISSUER_UNAVAILABLE | Payment failed due to issuer unavailability or inoperative switch. |
| AML_FAILED | Payment declined as it does not fulfill Anti-Money Laundering (AML) requirements. |
| LIFECYCLE_REASONS | Transaction declined due to invalid card data or lifecycle reasons. |
| PICK_UP_CARD_SPECIAL | Payment declined by the bank; pickup card, special condition. |
| LOST_PICK_UP | Payment declined by the bank as the card is reported as lost. |
| TIMEOUT | Payment failed due to a timeout (technical issue). |
| SYSTEM_MALFUNCTION | Payment failed due to a system malfunction or technical issue. |
| GATEWAY_REJECT_VIOLATION | Payment failed due to incorrect gateway response. |
| 3D_SECURE_ERROR | Transaction failed due to an error in the 3D secure process. |
| PIN_CRYPTOGRAPHIC_ERROR | Transaction failed due to a PIN cryptographic error, including negative CAM, dCVV, iCVV, or CVV results. |
| MAX_PIN_TRIES_EXCEEDED | Payment declined by the bank as allowable PIN tries exceeded. |
| CRYPTOGRAPHIC_ERROR | Transaction denied due to cryptographic failure. |
| UNACCEPTABLE_PIN | Transaction declined due to an unacceptable PIN (policy event). |
| TRANSACTION_EXPIRED | Transaction has expired; re-entering the transaction is recommended. |
| FORMAT_ERROR | Payment failed due to a format error or invalid data (technical issue). |
| AMLD5_DIRECTIVE | Transaction rejected due to the AMLD5 directive. |
| NOT_FOUND_DESTINATION_ROUTING | Unable to route the transaction at acquirer module; destination cannot be found. |
| PIN_REQUIRED | Payment declined; PIN data required. |
| CANCELLED | Payment failed due to revocation of authorization order by the issuer. |
| HARD_CAPTURE | Payment declined as capturing the card is recommended. |
| INVALID_PIN | Payment declined due to an incorrect PIN. |
| NO_CHEQUE_AMOUNT | No checking account. |
| 3D_ADVISER_REQUIRED | Registration with the 3D Adviser service required. |
| UNABLE_VALIDATE_PIN | Unable to validate PIN. |
| NO_SAVINGS_ACCOUNT | No savings account. |
| NO_CREDIT_ACCOUNT | No credit account. |
| WRONG_REFERENCE | Wrong Reference Number. |
| NO_ACCOUNT | Invalid/nonexistent destination account specified. |
| INVALID_TO_ACCOUNT | Cardholder data verification failed. |
| WRONG_PIN | Wrong PIN, number of PIN tries exceeded. |
| 3D_SECURE_MALFUNCTION | Transaction failed due to a 3D secure system malfunction. |
| CANCELED_SUBSCRIPTION | Issuer initiated a revocation of all authorizations order. |
| MALFORMED_PARAMETER | Transaction denied due to malformatted or missing parameters. |
| DUPLICATE_TRANSMISSION | Duplicate transmission/invoice detected. |
| 3D_SECURE_NOT_ENABLED | 3D-Secure not enabled for the card. |
| PROCESSOR_NOT_SUPPORT_PARAMETER | Processor does not support some of the transaction’s parameters |
| TRANSACTION_IS_PROCESSING | The queried transaction is being processed. |
| DEFAULT | Generic payment error. Returned when the issue does not fall within any of the other specified categories. |