Payment Decline Codes

Please use the table below for a reference of decline and error messages. If you require additional assistance, create a ticket with support and include all pertinent information, including your Merchant ID and the error you are receiving.

Error Message	Description	Solution
ACH transactions are not accepted	The account has not been set up for ACH transactions.	Please reach out to [email protected] to have ACH added to your account.
An error occurred during processing.	The platform lost connection to the gateway.	Try processing the transaction again.
AUTH UNAVAIL	There is no authorization available for this transaction.	Please reach out to [email protected]
CVV does not match.	The issuing bank reports that the CVV entered does not match.	Verify the CVV with the customer's card.
DAILY TRANSACTION LIMIT EXCEEDED	The daily ACH transaction limit has been met for the account.	Wait for another day to process more transactions.
DECLINE	Hard decline from the issuing bank. Insufficient funds or daily limits met.	Please have your customer contact their bank and ask for a different payment method.
Decline Limit Error	Decline-to-approval ratio is too high.	Please contact [email protected]
Do Not Honor	Hard decline from the issuing bank. Insufficient funds or daily limits met.	Please have your customer contact their bank and ask for a different payment method.
Expiry Date is invalid	The expiration date is invalid.	Confirm the expiration date on the card or with your customer.
Gateway Unreachable	The payment gateway is currently unavailable.	Please try again later.
HOLD-CALL	Merchant to keep the card. There is a problem with the card.	Call the number on the back of the card to determine the issue.
Insufficient Funds	The issuing bank reports that the card does not have enough funds to cover the transaction.	Enter a new payment method.
Invalid Account error	Bank account information is invalid.	Reach out to your customer for a new payment method.
Invalid Merchant ID	Merchant ID is incorrect or inactive.	Please contact [email protected]
Lost/Stolen	The card has been reported as lost or stolen.	Don't accept any form of payment from this customer.
Max attempts exceeded	Previous charge was recently successful. Please review and try again later.	Wait 5 minutes and try again.
NO ACCOUNT	The account number is invalid.	Please reach out to [email protected]
TERM ID ERROR	TSYS/Vital configuration is incorrect or no longer valid.	Please reach out to [email protected]
The credit card has expired.	The card is expired.	Please enter a new payment method.
Invalid CC Number	The credit card number entered is not valid.	Confirm the number with the cardholder.
CARD NO. ERROR	The issuing bank reports that the address does not match.	Verify that the customer's address matches the credit card's issuing bank.
TYPE NOT ALLOWED	Type of transaction is not allowed.	Please reach out to [email protected]
User authentication failed	The codes for the gateway no longer match the codes in the interface.	Please reach out to [email protected]
Using a live Authorize.net account in Test Mode is not permitted.	The gateway is in test mode. The account needs to be in live mode to process a transaction.	Please reach out to [email protected]