These are the most common raw responses from Visa and Mastercard for refused or canceled transactions.
| Error Message | Details |
|---|---|
| 01: Refer to card issuer | The transaction was refused by the card issuer. We advise reaching out to the card issuer. |
| 03: Invalid merchant | The transaction was refused by the card issuer. We advise reaching out to the card issuer. |
| 05: Do not honor | This is a generic refusal that has several possible causes. We advise reaching out to the card issuer. |
| 14: Invalid Account Number (No such Number) | The card issuer is unable to validate the card/account number. We advise reaching out to the card issuer. |
| 51: Insufficient funds/over credit limit | Insufficient funds in the cardholder's account. We advise reaching out to the card issuer. |
| 54: Expired card | The card expiration date is in the past. We advise reaching out to the card issuer. |
| 61: Exceeds withdrawal amount limit | The shopper has exceeded their card limit. We advise reaching out to the card issuer. |
| 62: Restricted card | The card issuer has restricted where the card can be used. We advise reaching out to the card issuer. |
| 65: Exceeds withdrawal count limit | The shopper has exceeded their card usage frequency limit. We advise reaching out to the card issuer. |
| 65: Authentication required | Applies for Mastercard. Authentication is required for the transaction. If the transaction is in scope of PSD2 and did not go through 3D Secure, try again with 3D Secure. This is also referred to as a "Soft Decline". |
| 79: Life Cycle | Applies for Mastercard. The transaction is refused due to invalid card data. We advise reaching out to the card issuer. |
| 82: Policy | Applies for Mastercard. The transaction is refused due to a policy reason. We advise reaching out to the card issuer. |
| 83: Fraud / Security | Applies for Mastercard. The transaction is refused because the card issuer suspects this payment to be fraudulent. We advise reaching out to the card issuer. |