Let’s examine the various categories of credit card machine error codes. Often, the only thing a merchant can do is retry the transaction (when safe to do so) or encourage the customer to contact their issuing bank. ![]() ![]() It’s important to understand the merchant doesn’t get the full story, even when they receive a decline code. While it may be unreasonable to expect cashiers to remember all credit card authorization response codes, categorizing them appropriately can indicate the right course of action. The customer themselves can only solve most instances of a credit card decline, so it’s important to be able to provide your customers with the right advice whenever credit card declined reason codes appear. The customer already has a large pending transaction.The customer has reached their credit limit.Here’s a brief overview of the most common reasons credit cards are declined: When credit card declined codes appear, there are many potential causes and possible courses of action. Whenever you resolve a soft or hard decline, it’s always a good idea to keep a record of the action taken in case you need to fight a chargeback dispute at a later date.įamiliarizing yourself with different credit card processing decline codes allows you to protect your business and better support your customers. If this occurs, you have no recourse, and you’ll be left paying out-of-pocket. Hard declines, on the other hand, should never be met with a “brute force” transaction.īrute forcing a transaction can lead to future credit card chargebacks. There’s typically nothing the merchant can do other than ask whether the customer has another credit card they can use.īecause soft declines are typically temporary, it’s perfectly acceptable to retry the transaction. Hard Decline – These declines occur when the issuing bank refuses to authorize the transaction.With a soft decline transaction, retrying the transaction often resolves the issue. Soft Decline – The issuer has approved the payment, but there’s another problem with the transaction.Processors assign these codes to transactions to inform merchants why a particular transaction was declined.Ĭredit card declines can be separated into two major categories: ![]() The merchant sees only the credit card declined reason code and an error message. Transactions may be declined by the processor, the payment gateway, or the issuing bank. Visa declined codes and MasterCard declined codes will appear on your POS system whenever a customer’s card is declined. Here’s what you need to know about the list of credit card declined codes and what each one means. All credit card processing codes are universal therefore, they will not differ between point of sale (POS systems). In response to a decline, your reader will display an error code.Ĭredit card error codes explain why a transaction was declined, which can help merchants provide advice and support to customers. While it may be embarrassing for the customer, knowing how to address a decline can make or break the customer experience.Ĭredit card declines happen when a payment can’t be processed for one reason or another. Sooner or later, all merchants will experience a credit card being declined.
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