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Below are common credit card decline codes that mean you should contact your bank for more details, as only the issuer can resolve these issues:
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05 – Do Not Honor: The issuer declined the transaction without explanation. Contact your bank for clarification.
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07 – Pick Up Card (Special Condition): The card is flagged as lost or stolen. Contact your bank immediately.
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12 – Invalid Transaction: The payment was rejected due to incorrect information or how the card was used. Your bank can provide more details.
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41 – Lost Card, Pick Up (Fraudulent): The card has been reported lost and cannot be used. Contact your bank to resolve this.
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43 – Stolen Card, Pick Up (Fraudulent): The card has been reported stolen. Contact your bank to address the issue.
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51 – Insufficient Funds: The account balance is insufficient to cover the transaction. You may need to add funds or discuss options with your bank.
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54 – Expired Card: The card has expired. Contact your bank to obtain a new card.
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57 – Transaction Not Permitted to Cardholder: Your bank has blocked this type of transaction. Contact them for details.
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62 – Restricted Card: The card has limitations (e.g., can only be used in certain regions or with select merchants). Call your bank to clarify.
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65 – Activity Limit Exceeded: The card has reached its daily transaction limit. Contact your bank to request a limit increase or explore alternatives.
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91 – Issuer or Switch Inoperative: A temporary issue exists with the issuer or payment network. Your bank can explain the outage.
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93 – Transaction Cannot Be Completed, Violation of Law: A legal or regulatory restriction is blocking the purchase. Contact your bank for clarification.
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N7 – CVV2 Failure: The transaction was declined due to a CVV mismatch or other security issue. Verify your details with your bank.
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R0 or R1 – Stop Payment Order: The transaction was blocked at your request, often due to a stop payment order. Confirm with your bank.
If you encounter any other decline codes or reasons, please submit a ticket so we can investigate further.