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Here are frequent credit-card decline codes—reach out to your bank for specifics on any you encounter:
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05 – Do Not Honor
The bank declined without explanation. Contact your bank for details. -
07 – Pick Up Card (Special Condition)
Your card is flagged lost or stolen. Call your bank immediately. -
12 – Invalid Transaction
The transaction input was incorrect or there’s a usage issue. Your bank can clarify. -
41 – Lost Card, Pick Up (Fraudulent)
Reported lost—do not use. Speak with your bank to resolve. -
43 – Stolen Card, Pick Up (Fraudulent)
Reported stolen. Contact your bank to address the issue. -
51 – Insufficient Funds
Your balance can’t cover the purchase. You may need to add funds or ask your bank for options. -
54 – Expired Card
The card has expired. Request a replacement from your bank. -
57 – Transaction Not Permitted to Cardholder
Your bank has blocked this type of purchase. Call them for details. -
62 – Restricted Card
Usage is limited by region or merchant. Your bank can explain the restriction. -
65 – Activity Limit Exceeded
You’ve hit a daily transaction cap. Ask your bank about raising your limit. -
91 – Issuer or Switch Inoperative
A network or issuer issue—your bank can provide status and guidance. -
93 – Transaction Cannot Be Completed, Violation of Law
A legal or regulatory block is in place. Contact your bank for clarification. -
N7 – Decline for CVV2 Failure
The CVV didn’t match. Verify your card details with your bank. -
R0 / R1 – Stop Payment Order
You’ve requested a block on the transaction. Confirm with your bank.
Encountered a different decline code or reason? Please submit a ticket so we can investigate further.