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).

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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.