A Detailed Guide To Credit Card Decline Codes!

 

Credit card decline codes can be confusing and overwhelming. It is important to understand what each code means so that you can take the necessary steps to resolve any issues quickly and efficiently.


Code 00: This code indicates a declined transaction due to insufficient funds in the checking or savings account associated with the credit card. This often occurs when the customer is attempting to make a purchase that is greater than the available balance on their account.


Code 05: This code indicates that the transaction has been declined due to an incorrect address or ZIP code entered at checkout. It could also indicate that the card issuer does not accept transactions from your business.


Code 12: This code indicates that the transaction was declined by the card issuer. This could be due to a variety of reasons, including insufficient funds, an expired or cancelled card, or incorrect information being entered at checkout.


Code 13: This code indicates that the transaction has been rejected by the credit card processor. Possible causes for this include an incorrect expiration date or CVV code, or the card issuer not accepting transactions from your business.


Code 14: This code indicates that the transaction was declined due to an incorrect PIN number being entered at checkout. It is important to remember that most credit cards do not require a PIN for online purchases; this code should only be triggered if a customer attempts to use their PIN number to pay.


Code 30: This code indicates that the transaction was declined due to an issue with the customer's identity or security information. The card issuer may require additional information such as a driver's license number before they will process the transaction.


By familiarizing yourself with each of these codes, you can better identify and resolve issues related to credit card declines codes. With this knowledge, you can provide an improved customer experience and ensure that all transactions are processed smoothly.

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