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Double check the card number and try processing the transaction again. However, there’s also a term like The card number should start with 3 (AMEX), 4 (Visa), 5 (MasterCard), or 6 (Discover).
Note that there are also customers that drop their purchase or select a different online store (The declined transaction can have a negative impact on your relations with customers who can blame you for the issue, not to mention your bottom line.
Total Merchant Concepts provides the most common codes along with the response reason. Usually, retrying the transaction can help in such situations. Staying up to date with the latest technology and social media trends, in love with GIFs and craft chocolate.Everything You Wanted to Know About Credit Card Decline CodesSome of the reasons are clear enough and leave no doubt as they are easy to explain to your customers, while others can be interpreted in various ways (see the table below). Understanding Card Failure Codes Credit card declines occur when the payment transaction cannot be processed.
This is why we recommend using our retry logic for subscription payments.Just to sum up, the most common card decline codes are related to the following issues:There could be reasons that the bank is intentionally vague about and, in most cases, you can do nothing about. First of all, we need to understand what is a Credit Card decline and what are Credit Card Decline is simply a process in which your For those who have not seen an error code, this is what it looks like and this generally happens when you are trying to make a payment using your Credit card.Every time a credit card is declined the user is presented with the reason in two ways i.e. A well-established Content Marketing Specialist with a tech-savvy personality, experience in writing, and a passion for reading. The transaction can be declined by the processor, the payment gateway or, what is the most common, by the The processing system assigns these codes to transactions and you can see a short explanation for each of them on your profile in the SecurionPay dashboard that comes like the one below.There are two categories of credit card declines, and these are soft declines and hard ones. When the bank confirms it will process correctly, attempt the transaction again.Ask the customer to use a different card or to contact their bank.As you can see, there are different reasons for declined credit card transactions. first in the form of So we are not discussing the error codes in this blog post instead we will be explaining the different messages you receive along with that error codes and explain their reason and their solution.Here are some of the examples of some error messages you receive when a credit card is declined (If your Error message is not mentioned in this blog post it is best to discuss it with your bank directly.and no one can tell you why that error code has risen except your Bank and in some cases,you also know them but you just need a small reminder to remember errors like Insufficient funds, invalid credit card number and invalid address are the most common error codes seen in United States of America.Either you are a merchant or a customer.
Associated with the declined payment is a failure code and reason provided to the merchant. Note: The error codes and the error message can be of many types and also varies from vendor to vendor . Double check the card details and try processing again.
The hard decline, by contrast, is when the payment is not approved by the issuing bank, so your customer should contact their bank to resolve the issue.Decline codes are provided when a transaction cannot be completed, so it’s good to know the explanation for each of them. A declined 05 code comes with a Do Not Honor declined response, which is a general issuer message for blocked transactions.Please keep in mind that the 05 response is returned via SecurionPay directly from the issuing bank, so there’s nothing we can do in this case.We recommend that you contact your customer and ask them to speak with their bank about the reason for the card declines.The error usually comes with the Discover card, so the customer should use a separate card. The first one is when the issuer approved the payment, but there’s some other problem with the transaction.
Credit Cards can be declined for numerous reasons. However, the specific reason is always known by the customer’s bank. We hope you were able to find the solution to the cryptic decline message and acted accordingly.Let us know in the comments is there anything we didn’t cover or you are unable to find the solution for your problem.