What Credit Card Decline Codes Mean?
When a credit card issuer declined a transaction, they do so for a reason.
There are many different credit card decline codes that issuers use, and
each one has a different meaning. Here are some of the most common
credit card decline codes and what they mean:
1. Insufficient funds
This is the most common reason for declined transactions. It simply means that
the cardholder does not have enough money in their account to cover the
purchase.
2. Invalid card number
This decline code indicates that the credit card number was entered
incorrectly. This is a common error when manually entering credit
card information.
3. Expired card
This decline code means that the credit card has expired and is no
longer valid.
4. Incorrect CVC
The CVC is the 3-digit code on the back of the credit card. This
decline code indicates that the CVC was entered incorrectly.
5. Suspected fraud
This decline code means that the transaction may be fraudulent
and has been flagged for further review.
Types of Credit Card Decline Codes
There are many different types of credit card decline codes, but the most common ones are listed above.
If you receive a decline code that is not on this list, it may be an error code or a unique code specific to the
issuer.
When you receive a declined transaction, it's important to understand the meaning of the decline code so
you can take the appropriate action. If you have any questions about a decline code, you should contact
your credit card issuer for more information.
There are many other credit decline codes that issuers use, but these are some of the most common. If
you ever run into a declined transaction, be sure to check the code to see what it means. With this
knowledge, you can avoid declined transactions in the future.