| Code | Reason | Explication |
Solution |
| 01 | CALL (Refer to the issuing bank) | The transaction is rejected by the issuer, so the cardholder should contact the issuing bank to clarify the situation. You may suggest the cardholder to use a different card or try again after resolving the problem with your bank. | |
| 04 | HOLD-CALL (Pick up card (no fraud)) | You will receive this code if the card is expired or stolen. | |
| 07 | HOLD-CALL (Withdraw card, special condition (fraudulent account)) | In this case, the issuing bank has determined that this account is fraudulent. Do not accept payments with this card and consider not selling anything to this customer in the future. At a minimum, only accept cash. | |
| 12 | INVALID TRANS (Invalid Transaction) | The transaction you are trying to execute is incorrect. For example, you may be processing a refund. Verify that you are allowed to perform a specific type of transaction. | |
| 13 | AMOUNT ERROR (Invalid amount) | Check the amount entered and make sure it is not negative or includes incorrect symbols. | |
| 14 | CARD NO. ERRO (Invalid card number) | The card issuing bank has rejected the transaction because the credit card number was entered incorrectly or a number that does not exist. Verify the card details and try processing again. | |
| 15 | NO SUCH ISSUES (No Issuer) | The customer's card issuer does not exist. Verify the card number and try to process the transaction again. The card number must begin with 4 (Visa), 5 or 2 (MasterCard). | |
| 30 | CALL (Format error) | Verify the configuration on your web page, as the format in which the card data is sent may be incorrect, often the expiration date format. | |
| 34 | CALL (Suspected fraud) |
The customer's card issuer has declined the transaction because fraud is suspected on this credit card number. You should check transactions processed after any declined transaction that receives this error, particularly to monitor for fraudulent transactions on alternate cards. If you see multiple fraudulent transactions, contact PagueloFacil immediately. |
|
| 36 | CALL (Restricted Card) | The customer's card issuer has declined the transaction and requested a hold on your customer's card.
You should check the transactions processed after any declined transaction that receives this error, particularly to monitor for fraudulent transactions on alternate cards. If you see multiple fraudulent transactions, contact PagueloFacil immediately. |
|
| 51 | DECLINE (Insufficient funds) | The issuing bank declines the transaction because there are insufficient funds in the associated bank account to complete this payment or the transaction would be over the customer's credit card limit. Apply for a different card. | |
| 54 | EXPIRED CARD (Card expired) | The card is expired and no longer valid for use. Ask your customer to correct or change the card. | |
| 57 | SERV NOT ALLOWED (Function not allowed for cardholder) | Ask the customer to use another card or contact your bank. When the bank confirms that it will be processed correctly, try the transaction again. | |
| 58 | SERV NOT ALLOWED (Function not allowed on the terminal) | The code appears when the card cannot be used for this type of transaction or when the merchant's processing account is not set up correctly. The response usually appears when test cards are used in the live gateway. | |
| 62 | DECLINE (Restricted card) | The card is not valid in a certain region or country, or the customer tried to pay online with a card that does not support their online payments. | |
| 63 | SEC VIOLATION (Security violation) | The three-digit CVV2 on the back of the credit card was not read correctly. | |
| 78 | NO ACCOUNT (The account does not exist) | Recommend the user to verify that the card data has been entered correctly. Specifically with the PAN. | |
| 91 |
NO REPLAY (Card issuer not available) |
There was a problem contacting the issuing bank to authorize the transaction. The customer should try to process this transaction again. If the problem persists, the cardholder should contact their bank. | |
| 93 |
DECLINE (Violation. Unable to complete transaction) |
Due to some problem with the customer's account, the transaction has been denied. Ask the customer to pay with a different card and contact the issuer to get to the bottom of the problem. | |
| 96 |
SYSTEM ERROR (System Error) |
The customer's card issuer was unable to process the transaction. The customer must try to process this transaction again. | |
| 41 y 43 |
HOLD-CALL (Stolen card (fraudulent account)) |
In these cases, the card owner has reported that the card was lost or stolen. Do not re-run the card and do not provide goods or services to the customer. If this is a recurring payment and you have had no problems with the card in the past, contact the customer for alternative payment information. | |
| EB |
CHECK DIGIT ERROR |
The card number is invalid. The card number must be verified before attempting the transaction again. | |
| N7 |
CVV2 MISMATCH (Wrong security code) |
The credit card security code has been entered. Make sure your customer is entering the last 3 digits displayed on the back of the credit card correctly. |
In summary, the most common reasons for card rejection are related to the following problems:
- Expired card or incorrect card number.
- Card declined based on location.
- Insufficient funds on the card.
- Card is over its limit.
- Card is blocked by the bank's fraud system.
There may be reasons why the bank is intentionally inaccurate, and, in most cases, nothing can be done about it. That is why it is important to know what to do if you have one of these cases.
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