Refusal reasons

There may be different reasons for the rejection. You need to check the action code that comes in the response. Action code is a numeric code of a result received from a processing bank. In addition to order status, action code helps to understand the details of a transaction processing.

Online payment errors

The below table describes action codes existing in the Payment Gateway.

Action code	API message	Description
-30001	Operation is pending	The inquiry of Bank processing has started to define the operation status
-20010	Blocked by the limit	The transaction was declined because the payment amount exceeded the limits set by the issuing bank
-2200	It is impossible to get a cryptogram to make a payment	Unable to get a cryptogram (a card token) from a payment system for making a payment
-2025	Card issuer declined payment with RReq	3DS authentication failed. Make sure that the VPN is turned off and try to repeat the payment.
-2024	Card issuer wants frictionless 3D Secure, but acquirer restricts it	3DS authentication failed. Card issuer wants to use frictionless 3D Secure, but it is forbidden.
-2023	3DS Authentication could not be performed by card issuer	3DS verification failed because there was a technical or other problem. Try to repeat the payment, and then contact the acquiring Bank or (if necessary) the bank that issued the card.
-2022	Cannot perform 3DS operation	Cannot perform 3DS operation
-2020	Incorrect ECI received	Incorrect ECI (electronic commerce indicator) is received from the ACS of the issuer bank. This code means that the received ECI is not valid for the IPS (International Payment System). The rule applies only to MasterCard (available values - 01,02) and Visa (available values - 05,06)
-2018	3DS Authentication could not be performed by card acquirer	3DS Authentication cannot be performed by the bank that issued the card. Try to repeat the payment or contact the bank that issued the card.
-2014	Client did not return from the Payment page	The payer did not return from the Payment page, no payment attempts.
-2013	You have exceeded the number of allowed payment attempts	You have exceeded the number of allowed payment attempts
-2009	Client did not return from the ACS server	3DS Authentication error. The payer did not return from the ACS page of the bank that issued the card.
-2007	The payment has expired	Payment declined. The period allotted for card details entering has expired (by default, the timeout is 20 minutes; session duration may be specified while order registering; if the Merchant has "Alternative session timeout" permission, then timeout duration is specified in Merchant settings)
-2006	Card issuer declined the payment due to an unsuccessful 3DSecure verification	Means that issuing bank rejected authentication (3DS authorization has not been performed)
-301	Incorrect payment token	Incorrect payment token
-100	Waiting for payment attempt	There were no payment attempts
0	Request is processed successfully	Payment has been performed successfully
000	Request is processed successfully	The payment was successful. In some cases, this code may be returned instead of the 0 code, for example, in the refunds block.
1	Declined. The identity check is required	Proof of identity is necessary for successful completion of the transaction. In case of internet transaction (our case) it is impossible, so transaction is considered as declined
4	Card blocked for an undisclosed reason	Card blocked for an undisclosed reason
5	The card was declined for an unknown reason	The card was declined for an unknown reason
20	Insufficient funds	Insufficient funds
62	The customer can't use this card to make this payment (it's possible it was reported lost or stolen)	The customer can't use this card to make this payment (it's possible it was reported lost or stolen)
63	Security violation	Security violation
72	Sender card is not allowed for this transaction type	Sender card is not allowed for this transaction type
73	Denied, invalid expiry	Denied, invalid expiry
78	Invalid/nonexistent account specified	Invalid/nonexistent account specified
82	The CVC number is incorrect	The CVC number is incorrect
87	Pre-authorization time too great	Pre-authorization time too great
88	Cryptographic failure/The CVC number is incorrect	Cryptographic failure/The CVC number is incorrect
90	Response status unknown	Processing returned an internal status code that is not mapped to any of the returnable action codes.
100	The customer has exceeded the balance, credit limit, or transaction amount limit available on their card	The customer has exceeded the balance, credit limit, or transaction amount limit available on their card
101	Card expired	Card expired
103	Card issuer rejected the payment	There is no connection with the Issuing bank. Sales outlet needs to contact Issuing bank
106	Card is blocked	The maximum number of attempts to enter PIN is exceeded. It is possible that the card is blocked temporarily
109	Internal merchant terminal configuration is incorrect	Merchant/terminal identifier is incorrect or ACC is blocked on the processing level
110	The payment amount is invalid or exceeds the allowed amount	The payment amount is invalid or exceeds the allowed amount
111	The card number is incorrect	The card number is incorrect
116	The card has insufficient funds to complete the purchase	Transaction amount exceeds the available balance of the selected account
117	Incorrect PIN	Incorrect PIN-code (not for Internet transactions)
119	Security violation	Operation declined. Contact the bank that issued the card.
120	Card issuer rejected the payment	Refusal to perform the operation - the transaction is not allowed by the Issuing bank. Response code of the IPS - 57. Reasons for rejection should be specified at the Issuing bank
121	The customer has exceeded the transaction amount limit available on their card	The customer has exceeded the transaction amount limit available on their card
123	The customer has exceeded the transaction amount limit available on their card	The customer has performed the maximum number of transactions available on their card and tries to perform another one
124	Technical error	Technical error (in case of reverse/refund attempt)
125	The card number is incorrect	The card number is incorrect
151	Transaction failed. Declined by issuer fraud	The operation was rejected by fraud monitoring of the bank that issued the card. Expect a call from a Bank employee.
181	Service forbidden	Service forbidden
203	Card is lost	Card is lost
204	Card is lost	Card is lost
208	Card issuer considers it lost	Card issuer considers it lost
212	Participant blocked	Participant blocked
239	Terminate subscription	Terminate subscription
240	Recurring transaction was declined because the cardholder stopped that recurring payment transaction	Recurring transaction was declined because the cardholder stopped that recurring payment transaction
555	Restriction on the card (the issuing bank has prohibited online transactions on the card)	Restriction on the card (the issuing bank has prohibited online transactions on the card)
814	Limit reached for total number of txns in cycle, independent of transaction category. (Activity count limit exceeded)	Limit reached for total number of txns in cycle, independent of transaction category. (Activity count limit exceeded)
823	Card is reported stolen	Card is reported stolen
902	The customer has exceeded the balance, credit limit, or transaction amount limit available on their card	The customer has exceeded the balance, credit limit, or transaction amount limit available on their card
903	The customer has exceeded the balance, credit limit, or transaction amount limit available on their card	The customer has exceeded the balance, credit limit, or transaction amount limit available on their card
904	Invalid message format	The message format is incorrect in terms of the issuing bank
906	Expired card	Expired card
907	Cannot contact issuer	There is no connection with the Issuing bank. Authorization in stand-in mode is not allowed for this card number (this mode means that the Issuing bank is unable to connect to the IPS, and therefore the transaction can be either offline with further unloading to back office, or it can be declined)
909	The card was declined for an unknown reason	The card was declined for an unknown reason (general system error, detected by the payment network of the issuer bank)
911	Payment declined. Please, contact the merchant.	Payment declined. Please, contact the merchant.
912	Issuing bank unavailable	Issuing bank is not available.
913	Wrong message format	The message format is incorrect in terms of IPS
914	Original transaction not found	Transaction is not found (when sending a completion, reversal or refund request)
916	Unable to process	Unable to process the transaction
920	Card restrictions	The card has restrictions. The code is received from the Bank processing.
941	Invalid Merchant ID	Invalid Merchant ID
950	Reconcile error	Reconcile error
968	Original amount incorrect	Original amount incorrect
998	The request has timed-out	The request has timed-out
999	The payment was declined due to suspected fraud	The payment was declined due to suspected fraud
1112	Card retry exceeded with current PAN and Expiry	Card retry exceeded with current PAN and Expiry
1113	Card retry exceeded with current PAN	Card retry exceeded with current PAN
1114	Card retry exceeded for binding	Card retry exceeded for binding
1115	Retry exceeded for order	Retry exceeded for order
1116	Card retry exceeded for terminal	Card retry exceeded for terminal
1117	Card retry exceeded for merchant	Card retry exceeded for merchant
1118	Card retry exceeded for specified amount and currency	Card retry exceeded for specified amount and currency
1120	Refund in progress	Refund in progress, refresh the page to get the current refund status.
1434	The card was declined by card issuer because the transaction requires 3D Secure authentication	The card was declined by card issuer because the transaction requires 3D Secure authentication
2002	Incorrect operation	An attempt to perform the operation that is not allowed for this order status or not applicable for the payment method.
2003	You can't make payments without 3D Secure	You can't make payments without 3D Secure
2012	The order has already been cancelled	The order has already been cancelled
2016	3D-Secure is forbidden	3D-Secure payment is necessary, but the Merchant does not have a permission for 3D-Secure payment
2023	Thread limit is exceeded	The request queue for processing has exceeded the allowed limit
2030	Card is blocked	Card is blocked
4005	Declined by merchant	Declined by the Merchant
4032	Card issuer declined payment with ARes = A	The 3DS authentication attempt was completed, but the authentication failed. Try to repeat the payment or contact the bank that issued the card.
8204	Duplicate order	Duplicate order
71015	Some payment data is invalid	Some payment data is invalid
151018	Decline. Processing timeout	The timeout in the Bank's processing has expired. Sending the payment failed
151019	The payment method failed due to a timeout	The timeout in the Bank's processing has expired. The transfer was successful, but no response was received from the bank.

Card payment errors

The below table describes action codes specific for processing center of the bank.

Action code	Description
00	Successful transaction
01	Call issuer
02	Requested Invalid Identifiers
03	Invalid Merchant ID
04	Invalid card, capture
05	Do not honor transaction
08	Approve with identification
09	Invalid store number
10	Invalid currency
12	Transaction needs to be entered again
12	Invalid transaction – retry
13	Cannot process amount. This code is only for truly erroneous amounts, i.e, exceeds machine capabilities or $0 cash withdrawal. No limits involved.
14	Invalid account – retry
14	Forced post: No card on file
15	The card is already active
16	The card is not active
30	The message received was not within standards
31	Issuer inoperative
31	SmartVista not permitted to stand in
32	Unknown issuer BIN
33	Card expired, capture card
33	Card expired
36	Account restricted, capture card
37	Call Security – Capture
37	Call Acquirer Security
41	Lost Card – Capture
43	Stolen Card – Capture
51	Insufficient funds – retry
55	Incorrect PIN, foreign.
57	Not permitted
57	Transaction not permitted by law
57	Account restricted
61	Negative auth usage cycle limit exceeded
61	Card’s ATM or EPAY cycle limit exceeded
61	Account’s ATM or EPAY cycle limit exceeded
62	Bad card (on_us)
65	Limit reached for total number of txns in cycle, independent of transaction category.
68	Timer time out (used generally for issuers other than networks, i.e. a host)
75	Excessive pin failures
76	Wrong Pin, Excessive pin failures
76	Excessive PIN failures, do not capture
77	The card has NOT ANY accounts
78	Original transaction could not be found
79	Original transaction has been reversed
81	CVV/CVC processing error
82	Invalid CVV/CVC
85	Conditional approval. Additional consumer verification must be performed.
90	Response status unknown
91	Service not available
92	Invalid Payment Parameter
93	Service blocked
94	Duplicate transmission
95	This can mean several things i.e. did not receive a tx amount being reversed greater than orig.
96	Error (usually in pinblock translation)
96	Cannot process transaction
96	Forced post: no account on file
96	System Malfunction
97	Service not allowed for client
98	Invalid insurance number
A1	Service is already binded
A2	Service is not binded
A3	Invalid service data
A4	MAC error
A5	Debts absence.
A6	Invalid payment data
A7	Additional information required
A8	No such object in system
A9	Object is not created in system
AA	Object is already created in system
AB	Invalid CVV2
AC	CVV2 processing error
AD	Incorrect Customer ID or Cardholder ID. May be used to request the payeer address and personal information.
AE	Authorization of the transaction still not complete. Check its status later.
AF	Bad characters in PAN
AG	Account is already bound to card
B1	Withdrawal limit exceeded, retry
B2	Card is Restricted, denied.
B3	Command to capture card from FRAUD
B4	Command to block and capture card from FRAUD
B5	Pre-Authorization transaction already has transaction of completion.
B6	Amount between transaction of completion and transaction of Pre-Authorization more than fixture in percentage terms.
B7	Original transaction of Pre-Authorization has no been found for transaction of Completion.
B8	Invalid terminal sequence number.
B9	Batch totals from POS terminal are wrong.
BA	For Brazil: blocked, first used or special condition — new cardholder not activated or card is temporarily blocked
C0	Approved commercial
C1	Incorrect parameters. Reenter required
C2	Bill pay invalid invoice
C3	Bill pay invoice expired
C4	Bill pay invoice already paid
F1	Declined by Fraud Monitoring
P0	Partial approval
P1	Purchase only, no cash back allowed
P2	Only EC part of transaction is approved
R0	Recurring transaction was declined because the cardholder stopped that recurring payment transaction.
R1	Recurring transaction was declined because the cardholder stopped all recurring payment transactions for a merchant account.
R3	All recurring payments have been cancelled for the card number in the request.
S1	Additional customer authentication required
S2	PIN data required
TS	Terminate Subscription.