Everything You Need To Know About Credit Card Decline Codes!

A declined credit card transaction can be an annoying and confusing experience. Knowing the reason for the decline is important so that you can take steps to fix it. Different banks have different codes that they use to indicate why a transaction was declined and understanding them can help you quickly identify and solve the problem.


The most common credit card decline code is “Do Not Honor”. This code indicates that the bank has declined the transaction due to some security issue, most likely because of a mismatch between the information on file and what was entered at checkout. If this code appears, it means that there is an issue with the cardholder’s account or the credit card itself.


Another common credit card decline code is “Insufficient Funds”. This code indicates that the cardholder does not have enough money in their account to cover the cost of the transaction. In order to fix this, the customer will need to add more funds to their account before attempting the transaction again.


The “Expired Card” code indicates that the expiration date of the card has passed. This can be fixed by having the customer update their credit card information with the correct expiration date.


The “Invalid Merchant” code is used when a merchant is attempting to process a transaction through a bank they are not registered with. To fix this issue, the merchant will need to contact their payment processor and register with the correct bank.


Finally, the “Pickup Card” code means that the credit card has been reported as lost or stolen and must be retrieved from the issuing bank before any transactions can be completed.


By understanding these common codes, you can quickly resolve credit card decline issues and get back to processing transactions. Remember, if you ever have any questions about a specific code, simply contact your payment processor or the issuing bank for further information. With this knowledge in hand, you can help ensure that customers’ payments are processed quickly and accurately.

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