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Refusal reasons

There may be different reasons for the rejection. You need to check the action code that comes in the response. Action code is a numeric code of a result received from a processing bank. In addition to order status, action code helps to understand the details of a transaction processing.

Online payment errors

The below table describes action codes existing in the Payment Gateway.

Action code API message Description
-2025 Card issuer declined payment with RReq Declined. RReq (Results Request Message) received from ACS during Challenge-authentication is not "Y". Used for 3D-Secure (v.2)
-2024 Card issuer wants frictionless 3D Secure, but acquirer restricts it Declined. Frictionless 3D-Secure (v.2) authentication is forbidden. Used for 3D-Secure (v.2)
-2023 3DS Authentication could not be performed by card issuer ARes (Authentication Response Message) received from ACS during Frictionless-authentication is "U". Used for 3D-Secure (v.2)
-2022 Cannot perform 3DS operation Cannot perform 3DS operation
-2020 Incorrect ECI received Incorrect ECI (electronic commerce indicator). This code means that ECI received in PaRes (Payer Authentication Response) is not valid for the IPS (International Payment System). The rule applies only to MasterCard (available values - 01,02) and Visa (available values - 05,06)
-2018 3DS Authentication could not be performed by card acquirer 3DS Authentication could not be performed by card acquirer
-2013 You have exceeded the number of allowed payment attempts You have exceeded the number of allowed payment attempts
-2009 Client did not return from the ACS server Client did not return from the ACS server
-2007 The payment has expired Payment declined. The period allotted for card details entering has expired (by default, the timeout is 20 minutes; session duration may be specified while order registering; if the Merchant has "Alternative session timeout" permission, then timeout duration is specified in Merchant settings)
-2006 Card issuer declined the payment due to an unsuccessful 3DSecure verification Means that issuing bank rejected authentication (3DS authorization has not been performed)
-301 Incorrect payment token Incorrect payment token
-100 Waiting for payment attempt There were no payment attempts
0 Request is processed successfully Payment has been performed successfully
1 Declined. The identity check is required Proof of identity is necessary for successful completion of the transaction. In case of internet transaction (our case) it is impossible, so transaction is considered as declined
5 The card was declined for an unknown reason The card was declined for an unknown reason
37 Call Security Call security
62 The customer can't use this card to make this payment (it's possible it was reported lost or stolen) The customer can't use this card to make this payment (it's possible it was reported lost or stolen)
63 Security violation Security violation
72 Sender card is not allowed for this transaction type Sender card is not allowed for this transaction type
73 Denied, invalid expiry Denied, invalid expiry
78 Invalid/nonexistent account specified Invalid/nonexistent account specified
82 The CVC number is incorrect The CVC number is incorrect
87 Pre-authorization time too great Pre-authorization time too great
90 Response status unknown Response status unknown
94 Duplicate transmission Duplicate transmission
101 Card expired Card expired
103 Card issuer rejected the payment There is no connection with the Issuing bank. Sales outlet needs to contact Issuing bank
106 Card is blocked The maximum number of attempts to enter PIN is exceeded. It is possible that the card is blocked temporarily
109 Internal merchant terminal configuration is incorrect Merchant/terminal identifier is incorrect or ACC is blocked on the processing level
110 The payment amount is invalid or exceeds the allowed amount The payment amount is invalid or exceeds the allowed amount
111 The card number is incorrect The card number is incorrect
116 The card has insufficient funds to complete the purchase Transaction amount exceeds the available balance of the selected account
117 Incorrect PIN Incorrect PIN-code (not for Internet transactions)
119 Security violation Security violation
120 Card issuer rejected the payment Refusal to perform the operation - the transaction is not allowed by the Issuing bank. Response code of the IPS - 57. Reasons for rejection should be specified at the Issuing bank
121 The customer has exceeded the transaction amount limit available on their card The customer has exceeded the transaction amount limit available on their card
123 The customer has exceeded the transaction amount limit available on their card The client has performed the maximum number of transactions during the limit cycle and tries to perform another one
125 The card number is incorrect The card number is incorrect
151 Transaction failed. Declined by issuer fraud Transaction failed. Declined by issuer fraud
181 Service forbidden Service forbidden
203 Card is lost Card is lost
204 Card is lost Card is lost
208 Card issuer considers it lost Card issuer considers it lost
239 Terminate subscription Terminate subscription
240 Recurring transaction was declined because the cardholder stopped that recurring payment transaction Recurring transaction was declined because the cardholder stopped that recurring payment transaction
823 Card is reported stolen Card is reported stolen
902 The customer has exceeded the balance, credit limit, or transaction amount limit available on their card The customer has exceeded the balance, credit limit, or transaction amount limit available on their card
903 The customer has exceeded the balance, credit limit, or transaction amount limit available on their card The customer has exceeded the balance, credit limit, or transaction amount limit available on their card
904 Invalid message format The message format is incorrect in terms of the issuing bank
907 Cannot contact issuer There is no connection with the Issuing bank. Authorization in stand-in mode is not allowed for this card number (this mode means that the Issuing bank is unable to connect to the IPS, and therefore the transaction can be either offline with further unloading to back office, or it can be declined)
909 The card was declined for an unknown reason The card was declined for an unknown reason
913 Wrong message format The message format is incorrect in terms of IPS
914 Original transaction not found Transaction is not found (when sending a completion, reversal or refund request)
950 Reconcile error Reconcile error
998 The request has timed-out The request has timed-out
999 The payment was declined due to suspected fraud The payment was declined due to suspected fraud
1434 The card was declined by card issuer because the transaction requires 3D Secure authentication The card was declined by card issuer because the transaction requires 3D Secure authentication
2003 You can't make payments without 3D Secure You can't make payments without 3D Secure
2016 3D-Secure is forbidden 3D-Secure payment is necessary, but the Merchant does not have a permission for 3D-Secure payment
2023 Thread limit is exceeded The request queue for processing has exceeded the allowed limit
2030 Card is blocked Card is blocked
4005 Declined by merchant Declined by the Merchant
4032 Card issuer declined payment with ARes = A Card issuer declined payment with ARes = A
71015 Some payment data is invalid Some payment data is invalid
151018 Decline. Processing timeout Processing timeout. Sending failed
151019 The payment method failed due to a timeout The payment method failed due to a timeout

Card payment errors

The below table describes action codes specific for processing center of the bank.

Action code Description
0 One of the following:
  • APPROVED
  • APPROVED VIP
  • DEPOSITED
1 HONR W/ID
5 One of the following:
  • Service is already binded
  • Debts absence
  • Additional information required
  • No such object in system
  • Object is not created in system
  • Object is already created in system
82 One of the following:
  • Invalid CVV/CVC
  • CVV/CVC processing error
  • Invalid CVV2/CVC2
101 EXPIRED CARD
103 One of the following:
  • CALL ISSUER
  • CALL ISSUER SPECIAL CONFITIONS
106 PIN-TRIES EXCEED
109 INVALID MERCHANT
110 INVALID AMOUNT
111 One of the following:
  • PICK UP CARD
  • NO CARD RECORD
  • NO CHECKING ACT
116 INSUFFICIENT FUNDS
117 INCORRECT PIN
119 Service blocked
120 One of the following:
  • DO NOT HONOR SUSPENDED MALFUNC
  • CALL ACQUIRER
  • NOT_PERMIT
121 One of the following:
  • EXCDS WDRWL LIMT
  • Withdrawal limit exceeded, retry
123 TX_FREQ_LIMIT
125 One of the following:
  • BAD CARD
  • Bad characters in PAN
181 One of the following:
  • Service is not binded
  • Invalid service data
203 CALLSECURITY
204 CAPTURE CARD
208 One of the following:
  • PICK UP CARD
  • LOST CARD PICK UP
209 One of the following:
  • STOLENCARD
  • Card is Restricted, denied
902 One of the following:
  • NO ACTION
  • UNABLE TO PROCESS
903 One of the following:
  • NTWK_DID_NOT_RESPOND
  • RE-ENTER TRANS
  • Response status unknown
  • Service not available
  • Invalid Payment Parameter
904 One of the following:
  • The message received was not within standards
  • MAC error
  • Invalid payment data
  • Incorrect Customer ID or Cardholder ID
907 One of the following:
  • The card is already active
  • The card is not active
  • Issuer inoperative
909 One of the following:
  • ERROR
  • Authorization of the transaction still not complete
913 One of the following:
  • DUPLICATE TRANS
  • Incorrect parameters. Reenter required
914 One of the following:
  • ORIGINAL TRANS INCORRECT
  • ORIG_TRANS_NOT_FOUND
Categories:
eCommerce API V1
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