Common Credit Card Declined Codes A full list of flagged reasons can be found below: errorCategory errorMessage Notes Card Processor 05 / Do not honor The customer’s issuing bank has denied the transaction. Ask the customer to contact their bank and then try again. Error Codes 14 / Invalid card number There is a typo in the card number. Double check the credit card number carefully re enter. Hold-Call Codes 41 / Lost card, pick Up The customer’s issuing bank has denied the transaction because the card has been reported as lost. Hold-Call Codes 43 / Stolen card, pick up The customer’s issuing bank has denied the transaction because the card’s owner has reported it as stolen. 51 / Insufficient funds The customer has exceeded the limit on their card and the payment can’t go through.The customer should call their bank to increase their limit, or use an alternate payment method. R0 or R1 / Customer requested stop of specific recurring payment The customer has told their card issuer not to allow recurring payments. Call/Decline Codes 01 / Refer to issuer The customer's card issuer has indicated there is a problem with the card number. The customer should contact their bank or use an alternate payment method. Call/Decline Codes 02 / Refer to issuer, special condition The customer's card issuer has indicated there is a problem with the card number. The customer should contact their bank or use an alternate payment method. Call/Decline Codes 04 / Pick up card (no fraud) The customer’s issuing bank has denied the transaction and requested that the card be retained as the card may have been reported as lost or stolen.The customer should contact their bank or use an alternate payment method. Call/Decline Codes 57 / Transaction not permitted, card The card issuer does not allow this type of purchase. Have the client call the 800 number on the back of their card for further explanation. Call/Decline Codes 65 / Activity limit exceeded The customer’s issuing bank has denied the transaction from being authorized because your customer is over his/her credit limit for the card (or processing the attempted transaction would cause the customer to go over the limit). Call/Decline Codes 93 / Violation, cannot complete The customer’s issuing bank has denied the transaction from being authorized because of some violation related to the account. Hold-Call Codes 07/ Pick up card ,special condition (fraud account) Lost card, Pick up (fraud account). The customer’s issuing bank has denied the transaction because the card’s owner has reported this card as lost or stolen. Error Codes 00 / Issuer System unavailable This is oftentimes a temporary communication error. Try the transaction again after a few minutes. If the error continues, contact the issuer. Error Codes 12 / Invalid transaction amount The customer’s card issuer has denied the transaction usually when a transaction for the same amount and merchant is attempted multiple times quickly for the same card. The card holder should contact their issuing bank. Error Codes 13 / Invalid amount The customer's card issuer has declined the transaction because of an invalid format or field. Check the transaction information and try the transaction again after a few minutes. Error Codes 15 / No such issuer American Express (AMEX), Visa, Mastercard, and Discover have numbers that start with three, four, five, and six digits respectively. This error occurs if a user fails to enter the correct initial numbers that match the card type. Error Codes 19 / Re-enter An Unknown Error Occurred. In this case, all you can do is to try again. If you keep getting the same error, contact the issuer. Error Codes 28 / File is temporarily unavailable This code comes up if there is a glitch during authorization. Your best bet is to enter the numbers again, contacting the issuer if the error continues. Error Codes 58 / Transaction not permitted, terminal This happens if your merchant processing account is not properly configured to accept the transaction. Ask your account provider if your POS can be re-configured accordingly. Error Codes 62 / Invalid service code, restricted This can happen if your system is not configured to accept AMEX or Discover, or if your customer is trying to pay online with a card that is not authorized for internet payments. In these cases, contact your merchant account provider or have your customer pay with a different method respectively. Error Codes 63 / Security violation This happens when the CVV or CID code on the back of the card was not read correctly. In most cases, running the transaction without including the code will work just fine. Just be sure to let your customer know that you have done so in case the transaction is flagged as fraudulent. Error Codes 85 / Issuer system unavailable or No reason to decline This category covers errors that are otherwise unexplainable and usually resolve on their own. Try again and contact the issuer if the problem continues. Error Codes 91 / Issuer switch is unavailable There is no specific reason for the failure. Try again, and contact the issuer or your payment processor if the situation continues. Error Codes 93 / Violation, cannot complete Because of some problem with the customer’s account, the transaction has been denied. Ask the customer to pay with a different card and to contact the issuer to get to the bottom of the problem. Error Codes 96 / System error A problem arose during the transaction, so wait a minute or two and try again. Call the issuer if the problem persists. Error Codes CV / Card type verification error This means that the type of card has not been added to your account (or there is an account number error) Common Wallet Order Failures A full list of flagged reasons can be found below: errorCode Notes Fraud of Failure 3DS authentication: Authentication Unavailable The user’s card issuer does not support 3DS. Fraud, 3DS required for international orders (international standard) blacklisted_emails_payment_abuse The user’s email address was blacklisted by Wyre or by one of Wyre's partners. Fraud cognito_more_than_one_dob_payment_abuse Wyre’s fraud module was unable to confirm the user’s date of birth. Fraud cognito_more_than_one_ssn_payment_abuse Wyre’s fraud module was unable to confirm the user’s Social Security Number. Fraud cognito_no_dob_payment_abuse Wyre’s fraud module was unable to confirm the user’s date of birth. Fraud cognito_no_ssn_payment_abuse Wyre’s fraud module was unable to confirm the user’s Social Security Number. Fraud Do not honor The customer’s bank won’t let this payment go through. To resolve the problem, ask the customer to contact their bank and then try again. Card Issuer Decline (see above) exceeded_daily_limit_payment_abuse The user has exceeded their daily total transaction volume limit. Limits Failure exceeded_weekly_limit_payment_abuse The user has exceeded their weekly total transaction volume limit. Limits Failure exceeded_yearly_limit_payment_abuse The user has exceeded their yearly total transaction volume limit. Limits Failure Order authorization failed. Order expired. This failure reason happens when the user begins the process but does not complete the payment. The transaction remains in a pending state for 30 minutes and auto fails if the user does not take action. Incomplete Order order_cognito_name_check_x_payment_abuse Wyre’s fraud module was unable to confirm the user’s name. Fraud order_cognito_no_identity_payment_abuse Wyre’s fraud module was unable to confirm the user’s identity. Fraud order_country_not_supported_payment_abuse The user’s billing address includes a Country that Wyre cannot currently service. Failure, geographic restrictions order_elliptic_dof_high_risk_payment_abuse Wyre’s fraud module flagged the user’s destination address as risky. Fraud order_elliptic_sof_high_risk_payment_abuse Wyre’s fraud module flagged the user’s destination address as risky. Fraud order_everyone_api_no_data_payment_abuse Wyre’s fraud module was unable to confirm the user’s identity. Fraud order_looks_bad_payment_abuse This error message covers users who have been blacklisted through other partners, high risk email address age, and emails from blacklisted email domains. Fraud order_phone_is_not_mobile_payment_abuse The user’s contact phone number was not mobile. This often occurs when a user attempts to checkout using a desktop browser rather than their mobile device. Failure, new SMS verification may reduce the frequency order_state_not_supported_payment_abuse The user’s billing address includes a State that Wyre cannot currently service. Failure, geographic restrictions payment_abuse_score_payment_abuse Wyre’s fraud module identified the transaction as likely to be fraudulent. Fraud sms_user_failed_to_confirm_payment_abuse The user has failed to confirm the SMS verification step. Failure, SMS verification required for fraud engine High Risk Score: 100 - 200 The Card Processor identified the transaction as likely to be fraudulent. Fraud, this is on the processor side.
