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Credit Card Decline Codes

Paymentech Orbital Gateway Stratus and Paymentech Stratus Credit Card Decline Codes

Use the search function to most quickly find credit card decline codes and their meanings.

CodeDescription
00Approved
01Call/Refer to Card Issuer
02Refer to Card Issuer SpCond
03Invalid Merchant Number
04Pickup
05Do Not Honor
06Other Error
07Stop Deposit Order
08Approved Auth, Honor W/ID
09Revocation of Authorization
10Default Call
11Approved Auth, VIP Approval
12Invalid Transaction Type
13Bad Amount
14Invalid Credit Card Number
15Default Call Low Fraud
16Default Call Medium Fraud
17Default Call High Fraud
18Default Call Unavailable Fraud
19Re-enter Transaction
20Floor Low Fraud
21Floor Medium Fraud
22Floor High fraud
23Floor Unavailable Fraud
24Validated
26Pre-noted
27No Reason to Decline
28Received and Stored
29Provided Authorization
30Invalid Value in Message
31Request Received
32BIN Alert
33Card is Expired
34Approved for Partial
35Zero Amount
36Bad Total Authorization Amt
37Invalid Secure Pay Data
38Merch not MC SecureCode Enable
39Previously Processed Trans
40Req Function not Supported
41Lost/Stolen
42Account Not Active
43Lost/Stolen Card
44Account Not Active
45Duplicate Transaction
46Blanks not Passed in Res Field
50Positive ID
52Processor Decline
56Restraint
58Tran not Permitted to Terminal
59Soft AVS
60Do Not Honor Low Fraud
61Do Not Honor Medium Fraud
62Do Not Honor High fraud
63Do Not Honor Unavailable Fraud
64CVV2/CVC2 Failure
65Invalid Amex CID
66Other Error
68Invalid CC Number
69Does not Match MOP
71No Account
72Invalid Institution Code
73Method of Pay Invald for Merch
74Invalid Expiration Date
75Bad Amount
77Invalid Amount
78Missing Companion Data
79Invalid Merchant
80Invalid MOP for Division
81Call Low Fraud
82Call Medium Fraud
83Call High Fraud
84Call Unavailable Fraud
85Duplicated Order #
86Auth Recycle Host down
87Invalid Currency
88Invalid Purch. Level 3
89Credit Floor
91Approved Low Fraud
92Approved Medium Fraud
93Approved High Fraud
94Approved Fraud Svc Unavailable
95Invalid Data Type
96Invalid Record Sequence
97Percents Not Total 100
98Issuer Unavailable
99No Answer/Unable to send
A1Payments Not Total Order
A2Bad Order Number
A3FPO Locked
A4FPO Not Allowed
A5 Auth Amount Wrong
A6 Illegal Action
A8 Invalid Start Date
A9 Invalid Issue Number
B1 Invalid Transaction Type
B2 Account Previously Activated
B3 Unable to Void Transaction
B5 Not on File
B7 Fraud
B8Bad Debt
B9 On Negative File
BA Under 18 Years Old
BB Possible Compromise
BC Bill To Not Equal To Ship To
BD Invalid Pre-approval Number
BE Invalid Email Address
BF PA ITA Number Inactive
BG Blocked Account
BH Address Verification Failed
BI Not on Credit Bureau
BJ Previously Declined
BK Closed Act, New Act Closed
BL Re-Authorization
BM Re-Authorization ? No Match
BN Re-Auth?Timeframes Exceeded
BO Stand In Rules
BP Cust Svc Ph# req on TranType1
BQ Issuer Flag Poss Fraud DI Only
BR Invalid MCC Sent
BS New Card Issued
C1 Invalid Issuer
C2 Invalid Response Code
C3 Excessive PIN Try
C4 Over Limit
C5 Over Freq Limit
C6 Over Sav Limit
C7 Over Sav Freq
C9 Over Credit Freq
D1 Invalid For Credit
D2 Invalid For Debit
D3 Rev Exceed Withdrawal
D4 One Purchasing Limit
D5 On Negative File
D6 Changed Field
D7 Insufficiant Funds
D8 Encrypted Data Bad
D9 Altered Data
E3 Invalid Prefix
E4 Invalid Institution
E5 Invalid Cardholder
E6 BIN Block
E7 Stored
E8 Invalid Transit Routing #
E9 Unknown Transit Routing #
F1 Missing Name
F2 Invalid Account Type
F3 Account Closed
F4 No Act/Unable To Locate
F5 Account Holder Deceased
F6 Beneficiary Deceased
F7 Account Frozen
F8 Customer Opt Out
F9 ACH Non-Participant
G1 No Pre-note
G2 No Address
G3 Invalid Account Number
G4 Auth Revoked by Consumer
G5 Cust Advises Not Authorized
G6 Invalid CECP Action Code
G7 Invalid Account Format
G8 Bad Account Number Data
G9 No Capture
GA Account Non-Convertible
H1 No Credit Function
H2 No Debit Function
H3 Rev Exceed Withdrawal
H4 Changed Field
H5 Terminal Not Owned
H6 Invalid Time
H7 Invalid Date
H8 Invalid Terminal Number
H9 Invalid PIN
I1 Block Activtn Fail?Card Range
I2 Block Activtn Fail-E-mail
I3 Issuance Does Not Meet Min Amt
I4 Declined ? No Orig Auth Found
I5 Outstanding Auth Funds On Hold
I6 Activation Amount Incorrect
I7 Block Activation Failed
I8 Mag Stripe CVD Value Failed
I9 Max Redemption Limit Met
J1 No Manual Key
J2 Not Signed In
J3 Excessive PIN Try
J4 No DDA
J5 No SAV
J6 Excess DDA
J7 Excess DDA FREQ
J8 Excess SAV
J9 Excess SAV FREQ
K1 Excess Card
K2 Excess Card Freq
K3 Reserved Future
K4 Reserved Closing
K5 Dormant
K6 NSF
K7 Future RD Six
K8 Future RD Seven
K9 Transaction Code Conflict
L1 In Progress
L2 Process Unavailable
L3 Invalid Expiration
L4 Invalid Effective
L5 Invalid Issuer
L6 Trans Not Allow For Cardholder
L7 Unable to Determn Netwrk Rtng
L8 System Error
L9 Database Error
M1 Merchant Override Decline
ND Act#(Europn Dir Dbt neg file)
PA Partial Approval
PB Revocation of all Auth
PP No Match for Debit Auth
PQ Unable to Validate Debit Auth
PRRefund Not Allowed
R1Blocked Card Number Prefix
R2Blocked Card Number
R3Blocked Issuing Country
R4Ceiling Limit
R5Not Authorized to Send Record
R6Authorization Not Found
R7Amount Mismatch
R8Already Rvrsd/Nothing to Rvrs
R9Auth Code/Resp Date Invalid
100 APPROVAL
201 INVALID CC NUMBER
202 BAD AMOUNT
204 OTHER ERROR
225 INVALID FIELD DATA
227 MISSING COMPANION DATA
233 DOES NOT MATCH MOP
234 DUPLICATE ORDER NO
236 AUTH RECYCLE HOST DOWN
239 INVALID MOP FOR DIVISION
243 INVALID PURCH LVL3
251 INVALID START DATE
252 INVALID ISSUE NUMBER
260 SOFT AVS
275 CEILING LIMIT
301 COULDN'T REACH THE BANK
302 CREDIT FLOOR
303 GENERIC DECLINE
401 CALL
402 DEFAULT CALL
501 PICKUP
502 LOST/STOLEN
503 PROCESSOR DECLINED
510 PROCESSOR DECLINED
521 OVER CREDIT LIMIT
522 CARD EXPIRED
530 DO NOT HONOR
531 COULDN'T REACH THE BANK
570 STOP DEPOSIT ORDER
571 REVOCATION OF AUTH
572 PROCESSOR DECLINED
591 INVALID CC NUMBER
592 BAD AMOUNT
594 OTHER ERROR
596 PROCESSOR DECLINED
602 INVALID INST CODE
605 INVALID EXP DATE
606 INVALID TRAN TYPE
607 INVALID AMOUNT
802 POSITIVE ID
806 RESTRAINT
811 INVALID SEC CODE
813 INVALID PIN
825 NO ACCOUNT
833 INVALID MERCHANT
834 UNAUTHORIZED USER
999 NO RETURNED TRANS

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