Failed Payment Decline Codes

Decline code

Description

Next steps

authentication_required

Transaction requires authentication (e.g., 3D Secure).

Ask the customer to complete authentication or retry with a card that supports 3D Secure.

approve_with_id

The payment can’t be authorized.

Have the customer contact their bank for approval or use another card.

call_issuer

Bank requires the cardholder to call them.

Ask the customer to call their bank to authorize the charge, then retry.

card_not_supported

The card doesn’t support this type of purchase.

Customer should use another card type that supports online/digital payments.

card_velocity_exceeded

Customer exceeded their bank’s limit (amount, frequency, or balance).

Wait and retry later, or have the customer contact their bank to lift limits.

currency_not_supported

The card doesn’t support the specified currency.

Ask the customer to use a card that supports the currency or switch to another payment method.

do_not_honor

Generic decline from the bank.

Customer must contact their bank. Suggest retrying with a different card if urgent.

transaction_not_allowed

Generic decline from the bank.

Customer must contact their bank. Suggest retrying with a different card if urgent.

expired_card

The card has expired.

Ask the customer to update with a valid card.

fraudulent

The payment was flagged as suspected fraud.

Do not retry the card. Ask the customer to contact their bank or provide another card.

generic_decline

The card was declined for an unknown reason.

Customer should retry or reach their bank if it persists.

They may need to try another payment method.

invalid_number

The CVC security code is incorrect.

Customer should re-enter the correct CVC or use another card.

incorrect_pin

The PIN entered is invalid or the limit of attempts was exceeded.

Customer should re-enter the correct PIN or contact their bank for reset.

incorrect_zip

Not enough funds on the card.

Customer should re-enter their correct zip code information or use another card.

invalid_amount

The amount is invalid or exceeds what the bank allows.

Confirm the charge amount is correct; customer may need to contact their bank.

stolen_card

The card was reported stolen.

Do not retry. Customer must use a new card issued by their bank.