Processor Network Unavailable - Try Again Macmillan
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You lot're minding your own business organisation, ringing up some other sale for your next customer, and and then it happens–your normally tiresome credit card terminal spits out a strange number and message indicating that the transaction did not go through as expected.
Y'all've just received a credit card decline code, in fact. But what does it mean, and what can you do nigh it?
What Are Credit Card Decline Codes?
Credit card pass up codes are sent to merchants from credit bill of fare processors when a transaction is unable to be processed. Each numerical code corresponds to a different reason a transaction may exist declined, such equally the card in question being reported lost or stolen.
Who Issues Credit Bill of fare Pass up Codes?
Credit card decline codes tin originate from just about any point in the transaction cycle. That means information technology's possible for any of the following to exist the source of the code yous receive:
- Your payment processor
- Your payment gateway (if you're using one)
- The card'south issuing banking company
That said, there are sure codes that are more likely to come from ane of those sources than the others. For example, a code 51 (insufficient funds) is probably coming from the issuing bank, non the payment processor or gateway. It should be noted that error codes that originate from the issuing banking concern tend to be harder, if not impossible, to resolve at the point of auction.
Common Reasons For Credit Menu Declined Codes
Broadly speaking, a credit carte decline lawmaking occurs when some technical or financial factor prevents a transaction from completing. Very often, there'due south an issue with the cardholder's account or the carte du jour itself.
A card might be declined if the cardholder has insufficient credit remaining on their account. Information technology may exist declined if the carte du jour is reported as lost or stolen. It may also exist declined if fraud alerts are triggered. And, of form, information technology volition be declined if the menu is expired. These are just a few of the more common reasons you might receive a credit card declined code.
List Of Credit Carte du jour Declined Codes, Explained
There are a lot of credit card codes. Typically, when you receive a credit card code, you'll too get a cursory annotation explaining why the transaction was declined. However, it tin be helpful to have a reference of the types of codes you might encounter.
| Code | Message | Meaning |
|---|---|---|
| 00 | No reason given | The transaction failed for unclear reasons, possibly due to a connexion error. |
| 01 | Refer to issuer | This a wide error lawmaking indicating the carte du jour issuer has blocked the transaction. |
| 02 | Refer to issuer (special condition) | Essentially a variation of error code 01, but for reasons non encompassed by the parameters of error code 01. |
| 04 | Pick upwards card (non-fraud) | The card issuer has blocked the transaction and is requesting that y'all seize/hold information technology. This code may occur if the card is reported lost or is expired. |
| 05 | Practise not honor | The card issuer has blocked the transaction and is asking you not to honor the carte. |
| 06 | Fault | Similar to 05, the issuer is asking you not to honor the card for transactions |
| 07 | Pick up bill of fare (fraud) | The card issuer has flagged the card for fraudulent action and is requesting that you seize/hold the card. |
| 12 | Invalid transaction | Often the event of user-mistake, something went wrong when the transaction's information entered the system, something was mistyped, etc. |
| 13 | Invalid amount | Something in the number field of the transaction threw an mistake, typically because a non-numerical character was accidentally entered |
| 14 | Invalid card number | Your terminal or gateway can't find the account that was entered. |
| 15 | No such issuer | The menu number entered doesn't correspond to whatever issuing network. |
| 19 | Re enter | An unknown error occurred, and you should try the transaction again. |
| 22 | Suspected malfunction | Your last or gateway can't reach the issuing bank. |
| 25 | POS status code invalid value | Something is wrong with the customer'due south billing information or other entered data. |
| 28 | File is temporarily unavailable | The customer's data temporarily couldn't be reached. Information technology may mayhap articulate on a second attempt. |
| thirty | Format error | Something may exist wrong with the setup of your merchant account |
| 31 | Bank non supported by switch | The issuing bank declined the transaction, usually because the card can't be used for this type of transaction. |
| 34 | Suspected fraud, retain card | Another code you may encounter if a customer tries to use a flagged card. |
| 37 | Contact acquirer security department | Still some other "decline and retain" code, although with the asking that the customer contact their issuing bank. |
| 41 | Lost menu | The carte du jour'due south owner has reported the card lost, and the issuer is requesting you retain it. |
| 42 | No universal accounts | The issuing banking concern declined the transaction due to a problem with the carte'southward account type. |
| 43 | Stolen menu | The carte's possessor has reported the bill of fare stolen, and the issuer is requesting that you retain it. |
| 49 | Carte du jour declined | The carte du jour may not be valid for this type of transaction. |
| 51 | Insufficient funds | The issuing depository financial institution is declining the transaction because it would put the customer'southward business relationship over their credit limit. |
| 54 | Expired card | The card has passed its expiration date and is no longer valid. |
| 56 | No carte du jour record | The issuing depository financial institution, which in this example may not in fact be the issuing bank, has declined the card considering information technology can't locate an account with the card'southward number. |
| 57 | Transaction not permitted | The issuing banking concern says the card can't be used for this blazon of transaction. |
| 58 | Transaction not permitted (concluding) | Your merchant account is not configured for this type of transaction. |
| 59 | Suspected fraud | The issuing bank declined the transaction due to suspected fraud, but no hold/retain request. |
| 61 | Exceeds withdrawal limit | Another code you may meet if the customer has bereft funds for the transaction |
| 62 | Invalid service code | The transaction violates some restrictions put on the card (product type, location, etc.) |
| 63 | Security violation | This lawmaking indicates there's some trouble with the card's security code (CVV/CID). Usually, this tin exist overridden, merely at the risk of the transaction later being flagged. |
| 65 | Action limit exceeded | The issuing bank is declining the transaction. May be due to a loftier volume of transactions within a limited time, or mayhap exceeding the credit limit. |
| 67 | Capture carte du jour | The issuing bank has declined the transaction and is requesting y'all capture the card, perhaps due to the card being fake. |
| 78 | Invalid account | The issuing bank can't find an account for the menu number in question. |
| 85 | Issuer organization unavailable | Similar to 00, the transaction failed, likely due to a advice issue on your processor'southward end. |
| 91 | Issuer or switch is unavailable | The transaction couldn't be authorized, likely a processor-side communication issue |
| 92 | Unable to route transaction | Usually seen when testing transactions when configuring a gateway, indicating that the card data can't be found locally. |
| 93 | Violation, cannot complete | The issuing bank isn't allowing the transaction. |
| 96 | System error | Something went wrong with the transaction, usually due to a temporary systemic fault. |
| 97 | Invalid CVV | The Carte du jour Verification Value (CVV)–that three- or four-digit number on the front or dorsum of a card–doesn't match the card or account. |
| R0 | Requested terminate of recurring payment | The transaction was declined considering the customer requested that a recurring payment no longer be processed. |
This list doesn't stand for every possible error code you lot could get (payment processors also have their own), but these are past far the most common. You lot'll note that some codes are very similar to each other. You don't need to necessarily know the systemic quirks that produce a code 00 instead of a lawmaking 85, however. Just take a general sense of what went wrong and what, if anything, yous can do most it.
How To Deal With Credit Card Error Codes
Credit card error codes tin can be an annoying interruption to the normal period of your business organisation, so you're probably interested in what yous tin can practise about them when they ascend. The actions you tin, or should, take will depend on the blazon of code you lot received.
If The Code Is From The Issuer…
These codes are the ones you probably don't want to come across as they are very often "difficult" declines. That means that y'all won't be able to fix the problem by running the transaction again. In these cases, there's usually a problem with the customer's account. This trouble can range from the card non being gear up up for this type of transaction, to an overdrawn business relationship, to an expired carte du jour, to blatant attempts at fraud. Ofttimes the code will propose that either you or the customer contact the issuer for more information well-nigh the error. Depending on the code, y'all may as well exist expected to retain the customer'southward carte.
These types of rejections can be hard to handle every bit they'll crave you, or your employee, to explicate that the card cannot be used for the transaction. In the case of fraud, you may exist asked to discreetly monitor the customers' attempts to pay by other means, or decline to honor any payment attempts from the customer. Use your best judgment in how to safely deal with any potentially dangerous state of affairs. If you have employees, having an official policy for how to handle these kinds of situations and at to the lowest degree one person on-site trained to handle credit card issues can be very helpful.
One thing yous can do, however, is to brand sure yous're abiding by requests to cancel recurring payments when your customer asks.
If The Code Was Due To Human Mistake…
Payments may be more automatic than ever, but many systems still require human fingers to hit buttons or touchscreens in simply the right sequence for everything to work correct. Useful but pesky features like CVVs may be misread. And you really need to go everything right if you're entering a payment through a virtual terminal. The good news is that the solution for these codes is but to reenter the transaction and try again.
If The Code Was Due To Hardware Or Software…
Credit card terminals require some setup, as practise many payment gateways. Even your merchant account needs to exist ready correctly. Sometimes, someone made a mistake during setup, or the process was never finished. If you get an error code that says something is wrong on your finish, you lot can either endeavour to fix the problem yourself (if you have the technical cognition) or contact your payment processor for guidance.
If The Code Was Systemic…
Ah, technology. Sometimes systems go down for maintenance or are temporarily interrupted for reasons ranging from glitches, to regional outages, to gremlins gnawing on the wires. If you become a vague, miscellaneous error lawmaking, your all-time bet is to attempt the transaction again. If information technology still doesn't become through, you can investigate whether in that location'due south a service outage in your area by contacting your payment processor or a representative of the payment network in question.
Can You Preclude Credit Card Processing Error Codes?
Since there are multiple points of origin for credit card processing codes, and your business is simply one of them, information technology's not possible to completely prevent them. After all, you have no command over what'southward going on with your customers' credit card accounts.
Even so, there are things you can do to reduce the number of error codes you lot receive. If yous're getting a lot of errors related to your payment processor, you may want to consider changing payment processors. That goes double if you observe that you lot're dealing with an unusually high volume of fraudulent transactions, particularly eCommerce transactions. If you are, it may exist time to consider a processor with advanced anti-fraud features.
If you're running into a lot of problems with human fault, yous may want to reconsider your hardware, terminals, or online checkout. Are they intuitive and reasonably painless to apply?
How Exercise Credit Card Decline Codes Really Touch on Your Business organization?
If you lot accept credit card payments every bit office of your business organisation, credit carte decline codes simply come up with the territory. Usually, they're just momentary interruptions to the period of your business and rarely constitute full-blown crises. In most cases, yous should be able to resolve the problem past running the transaction once again, or request your customer if they have either another card or cash to pay with.
Is your last spitting out too many credit carte du jour refuse codes? Consider upgrading with ane of The Best Credit Bill of fare Machines & Terminals For Modest Business. Need a new payment processor? Compare some of our favorite merchant accounts.
Source: https://www.merchantmaverick.com/credit-card-declined-error-codes/
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