Here we help you understand what information decline codes hold and how you can resolve situations when a payment is declined.



CodeDescriptionDescriptionRecommendations for Merchants
0.01 General declineThe general group of declines. The card issuing bank did not complete the transaction successfully.Kindly ask the user to try to pay a couple more times. The Chances are high that the next attempt will be successful.
0.02Order expiredThe user could not finalize the payment during the given timeframe, which resulted in order expiration.Kindly suggest to the user to try again with the same card.
0.03Violation of lawIn some cases, the card issuer can block a transaction for law violation reasons. It can be due to a cardholder or due to a sanctioned country.

Kindly suggest to the user to use another card.

1.01Authentication failed

Cardholder authentification was not successful. 


Kindly ask the user to try to pay a couple more times. The Chances are high that the next attempt will be successful.
2.01 Invalid Data

The problem here lies with the data format and accuracy, validation error on the acquiring side. 

  • Kindly ask the user to try enter card data one more time. 
  • Kindly suggest to the user to use another card. 
  • Kindly contact SolidGate Support for assistance.
2.03 Invalid CurrencyThe currency here is not supported. Kindly contact SolidGate Support. More likely, we will be able to suggest a solution for you.
2.05 Order not FoundIntegration error, request invalid data. Kindly contact SolidGate Support. More likely, we will be able to suggest a solution for you.
2.06 Invalid CVV2 codeInvalid CVV2 code

The CVV code is the three-digit code on the back of a MasterCard or Visa, or the four-digit code on the front of an American Express. 

If it is the first occasion - kindly ask the user to try one more time.

If CVV code error is recurring for the same user - potential card fraud. Act accordingly to your policies. 

2.08 Invalid Card NumberThe user entered an incorrect card number. Kindly ask the user to enter a valid card number. 
2.09 Invalid Expiration DateCard is expired 
  • Kindly ask the user to check the expiration date and, if expired - use another card. 
  • If the user insists that the card expiration date is yet to be, kindly contact SolidGate support. 
2.10

Invalid 3DS flow on the merchant side

3DS URL was not displayed to the cardholder during 3-D Secure authentification attempts

Kindly ask a user to recall the step-by-step payment flow and forward information received to SolidGate Support. 

2.11Invalid 3DS flow on the bank's sideThe user went through a payment flow, but the bank did not initiate 3DS authorization.Kindly ask the user to try one more time or suggest to the user to use another card.
2.12Invalid 3DS flowUser hesitated with 3D Secure authentication. Kindly ask the user to try one more time or suggest to the user to use another card.

2.14
Subscription is lockedThe user_id is subscribed to the product_id. 

Our systems check user_id for active subscriptions, and if product_id of active subscription matches the one you are sending in an order for subscription activation, Solid will decline the payment in question.

3.01 Card is blockedThe card issuer bank blocked the card for payments. 

Card issuer banks have various logics to block risky transactions:

- Limit on online payments;

- Daily limit on payments amount;

- Daily limit on the number of payments;

- Limits for payments with 3DS authorization;

etc.

It is necessary to explain to the user that the issuing bank is blocking the transaction. Most likely, one of the card limits is triggered. The customer can contact the bank's support service and ask to remove the limit in question to make the payment. 


You can also recommend the user try to pay again. For many banks, the rules are not static but triggered based on a scoring system, and repeated attempts to conduct a transaction increase the likelihood of a transaction going through.

3.02 Insufficient funds

The user's card balance has insufficient funds. 

Kindly suggest to the user another card or top-up the current one.
3.03 Payment amount limit excessCard payment/credit limit was reached

Card issuer banks have various logics to block risky transactions:

- Limit on online payments;

- Daily limit on payments amount;

- Daily limit on the number of payments;

- Limits for payments with 3DS authorization;

etc.

It is necessary to explain to the user that the issuing bank is blocking the transaction. Most likely, one of the card limits is triggered. The customer can contact the bank's support service and ask to remove the limit in question to make the payment. 

You can also recommend the user try to pay again. For many banks, the rules are not static but triggered based on a scoring system, and repeated attempts to conduct a transaction increase the likelihood of a transaction going through.

3.04 Card is declined by issuerContact card issuer to determine the reason.

Card issuer banks have various logics to block risky transactions:

- Limit on online payments;

- Daily limit on payments amount;

- Daily limit on the number of payments;

- Limits for payments with 3DS authorization;

etc.

It is necessary to explain to the user that the issuing bank is blocking the transaction. Most likely, one of the card limits is triggered. The customer can contact the bank's support service and ask to remove the limit in question to make the payment. 


You can also recommend the user try to pay again. For many banks, the rules are not static but triggered based on a scoring system, and repeated attempts to conduct a transaction increase the likelihood of a transaction going through.

3.05 Call your bankContact card issuer for clarifications.

Card issuer banks have various logics to block risky transactions:

- Limit on online payments;

- Daily limit on payments amount;

- Daily limit on the number of payments;

- Limits for payments with 3DS authorization;

etc.

It is necessary to explain to the user that the issuing bank is blocking the transaction. Most likely, one of the card limits is triggered. The customer can contact the bank's support service and ask to remove the limit in question to make the payment. 


You can also recommend the user try to pay again. For many banks, the rules are not static but triggered based on a scoring system and repeated attempts to conduct a transaction increase the likelihood of a transaction going through.

3.06Debit card not supportedThe card has been declined for an unknown reason.
Kindly suggest using another card.
3.07Card brand is not supportedThe card has been declined for an unknown reason.


Kindly ask the user to use another card, the one specified in your payment form.
3.08Do not honorThe card has been declined for an unknown reason.

The customer should contact their card issuer for more information. More likely the next attempt will be successful. 


4.01 Card is in blacklistThe card is on the blacklist.Show general decline to the customer. It is best to check the customer for fraudulent activity.
4.02 Stolen cardThe card in use is stolen, all transactions are restricted.  Show general decline to the customer. It is best to check the customer for fraudulent activity and block if necessary. 
4.03 Restricted CardThe bank issuer blocked the transaction due to possible fraud or payment outside the issuer country is limited or card wasn't in use for a long time, unusual activity, etc. 

The card could have been not in use for a long time

Card issuer banks have various logics to block risky transactions:

- Limit on online payments;

- Daily limit on payments amount;

- Daily limit on the number of payments;

- Limits for payments with 3DS authorization;

etc.

It is necessary to explain to the user that the issuing bank is blocking the transaction. Most likely, one of the card limits is triggered. The customer can contact the bank's support service and ask to remove the limit in question to make the payment. 


You can also recommend the user try to pay again. For many banks, the rules are not static but triggered based on a scoring system and repeated attempts to conduct a transaction increase the likelihood of a transaction going through.

4.04 Lost CardThe card in use is lost, all transactions are restricted. Show general decline to the customer. It is best to check the customer for fraudulent activity and block if necessary.
4.05 Suspected FraudThe bank issuer blocked the transaction due to possible fraud. The card wasn't in use for a long time, unusual activity, etc. Show general decline to the customer. It is best to check the customer for fraudulent activity and block if necessary. 
4.06 Blocked by Country/IPBlocked by IP mismatch or dye to a high-risk country IP. Show general decline to the customer. It is best to check the customer for fraudulent activity and block if necessary.
Otherwise, kindly suggest to the customer to try one more time. 
4.07 Trusted Anti Fraud systemAn antifraud rule was triggered.

Show general decline to the customer. It is best to check the customer for fraudulent activity and block if necessary.

Otherwise, kindly suggest to the customer to try one more time.

4.09

Solid antifraud engine

An antifraud rule was triggered

Show general decline to the customer. It is best to check the customer for fraudulent activity and block if necessary.

Otherwise, kindly suggest to the customer to try one more time.


5.01
3D Secure verification failed3D Secure verification failed

Show general decline to the customer. It is best to check the customer for fraudulent activity and block if necessary.

Otherwise, kindly suggest to the customer to try one more time.

5.02 Invalid Card TokenWe received an invalid/nonexistent card token.

Kindly ask the customer to try one more time or to use another card. 

Please contact SolidGate Support to let us know.

5.03 Application ErrorProcessing error. 

Kindly ask the customer to try one more time or to use another card. 

Please contact SolidGate Support to let us know.

5.04 Merchant is not configured yetProcessing error. 

Please contact SolidGate Support to let us know.

5.05 Merchant is not activated yetProcessing error. 

Please contact SolidGate Support to let us know.

5.08 Invalid TransactionProcessing error. Kindly ask the customer to try one more time or to use another card. If another card is not an option - kindly suggest contacting the bank. 
6.01 Unknown Decline CodeUnknown Decline Code yet to be mapped. Kindly ask the customer to try one more time or to use another card. If another card is not an option - kindly suggest contacting the bank.
6.02 Connection ErrorA connection is poor or interrupted.
Kindly ask the customer to try one more time or to use another card.