Bank Card Decline & Response Codes Directory
Interactive directory of bank card decline codes for POS terminals and online checkouts. Enter the error code from your receipt to see the exact cause and step-by-step fix.
Transaction Approved
ISO 8583 Response Code: 00The payment has been successfully authorized by the issuing bank. Funds are captured or settled.
No action needed, transaction completed successfully.
Provide receipt and deliver product/service.
Refer to Card Issuer
ISO 8583 Response Code: 01The issuing bank halted the transaction and requires manual authorization or cardholder verification.
Call the customer service number on the back of your card to verify and authorize the charge.
Ask customer to contact their bank or provide an alternate payment method.
Refer to Card Issuer (Special)
ISO 8583 Response Code: 02Special condition authorization required by issuer. Often triggered by velocity or atypical purchase behavior.
Contact card issuer to remove restrictions.
Request another payment method.
Invalid Merchant
ISO 8583 Response Code: 03The merchant account configuration or MID is invalid, deactivated, or not configured properly with the acquirer.
The issue is with the merchant terminal, not your card. Use another store or method.
Contact your payment gateway or acquiring bank technical support.
Pick Up Card (Hold-call)
ISO 8583 Response Code: 04The card is flagged for fraud or marked for confiscation by the issuer. Transaction declined.
Contact issuing bank immediately. Card has been restricted by security systems.
Do not retry transaction. Follow issuer guidelines regarding retained cards.
Do Not Honor (General Decline)
ISO 8583 Response Code: 05Generic decline from the cardholder bank. The issuer declined the transaction without specific details.
Check online payment toggles in mobile banking, verify daily limits, and call your bank to approve the transaction.
Advise the customer to contact their bank or try a different card.
Invalid Transaction
ISO 8583 Response Code: 12The transaction request payload was malformed or requested an unsupported action for this card type.
Retry payment or use another card.
Inspect payload parameters, currency settings, and gateway configuration.
Invalid Amount
ISO 8583 Response Code: 13The transaction amount was zero, negative, or exceeded maximum numeric limit constraints.
Verify order amount on checkout page.
Ensure amount formatting correctly passes subunits (e.g. cents).
Invalid Card Number
ISO 8583 Response Code: 14The card number entered does not exist in the issuer records or has an invalid prefix/length.
Carefully re-check the 16-18 digit card number for typos.
Prompt customer to re-enter their card digits correctly.
No Such Issuer
ISO 8583 Response Code: 15The BIN routing prefix is not mapped to any known issuing bank institution.
Check the first 6-8 digits of your card.
Ask for another payment card.
Lost Card
ISO 8583 Response Code: 41The card was reported lost by the account holder and is blocked globally.
Card is permanently blocked. Order a replacement from your banking app.
Decline transaction; do not reattempt.
Stolen Card
ISO 8583 Response Code: 43The card was flagged as stolen. Any attempted activity is treated as unauthorized.
Contact your bank security department immediately.
Decline charge; record details for fraud prevention logs.
Insufficient Funds
ISO 8583 Response Code: 51There are not enough funds or available credit limit on the card account to complete the charge.
Top up your account balance or use another card with sufficient available limit.
Politely ask customer to use another card or deposit funds.
Expired Card
ISO 8583 Response Code: 54The card expiration date (MM/YY) is in the past, or was entered incorrectly.
Verify MM/YY expiration digits. If card has passed validity period, use the renewed card.
Ask customer to re-enter or update expiration date.
Incorrect PIN
ISO 8583 Response Code: 55The customer entered an incorrect PIN on the POS terminal or ATM keypad.
Carefully enter your correct PIN. Warning: 3 failed attempts will lock your card.
Prompt customer to re-enter PIN.
Transaction Not Permitted
ISO 8583 Response Code: 57The card contract does not permit this transaction type (e.g., cross-border or internet purchases blocked).
Open your banking app settings and enable "Online payments" or "International transactions".
Advise customer to toggle online payment permissions.
Transaction Not Permitted to Terminal
ISO 8583 Response Code: 58The terminal or payment gateway profile is not authorized to accept this card scheme or category.
Use another card network.
Contact acquiring bank to enable required payment network.
Exceeds Limit Amount
ISO 8583 Response Code: 61The transaction amount exceeds the daily, monthly, or per-transaction spending limit.
Temporarily raise your spending limit in your mobile banking app.
Offer to split payments or try another card.
Restricted Card
ISO 8583 Response Code: 62The card has administrative restrictions applied by the issuing bank.
Contact issuing bank to resolve account restrictions.
Request an alternative payment method.
Exceeds Frequency Limit
ISO 8583 Response Code: 65Too many payment attempts occurred in a short time frame, tripping issuer velocity rules.
Wait 15-30 minutes before reattempting, or call bank to confirm velocity.
Ask customer to wait a few minutes before trying again.
Allowable PIN Tries Exceeded
ISO 8583 Response Code: 75The customer entered an incorrect PIN three times consecutively. PIN usage is locked.
Reset or unlock your PIN via your bank mobile application.
Decline; customer must reset PIN or pay with alternative method.
Incorrect CVV / CVC
ISO 8583 Response Code: 82The 3-digit CVV/CVC code on the back (or 4-digit code for Amex) was entered incorrectly.
Check the 3 digits on signature strip on the back of card and re-enter.
Prompt buyer to re-check the CVV field.
Issuer System Unavailable
ISO 8583 Response Code: 91The issuing bank authorization host timed out or is undergoing maintenance.
Retry in 2-5 minutes, or use a card from another bank.
Ask customer to retry after a short delay.
System Malfunction
ISO 8583 Response Code: 96A temporary processing failure occurred within the payment gateway or network switch.
Re-enter transaction after a moment.
Check payment gateway system status.
No Decline Code Found
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What Are ISO 8583 Decline Codes?
When a card transaction is processed via a POS terminal or web checkout, the acquirer sends an authorization request to the issuer. The issuer responds with a standardized two-character Response Code specified in ISO 8583.
Code 00 indicates authorization approval. Any other value specifies the rejection condition: lack of funds, expired card, incorrect PIN, or anti-fraud security stops.