2000

Do Not Honor

The customer's bank is unwilling to accept the transaction. The customer will need to contact their bank for more details regarding this generic decline.

Soft

2001

Insufficient Funds

The account did not have sufficient funds to cover the transaction amount at the time of the transaction – subsequent attempts at a later date may be successful.

Soft

2002

Limit Exceeded

The attempted transaction exceeds the withdrawal limit of the account. The customer will need to contact their bank to change the account limits or use a different payment method.

Soft

2003

Cardholder's Activity Limit Exceeded

The attempted transaction exceeds the activity limit of the account. The customer will need to contact their bank to change the account limits or use a different payment method.

Soft

2004

Expired Card

Card is expired. The customer will need to use a different payment method.

Hard

2005

Invalid Credit Card Number

The customer entered an invalid payment method or made a typo in their credit card information. Have the customer correct their payment information and attempt the transaction again – if the decline persists, they will need to contact their bank.

Hard

2006

Invalid Expiration Date

The customer entered an invalid payment method or made a typo in their card expiration date. Have the customer correct their payment information and attempt the transaction again – if the decline persists, they will need to contact their bank.

Hard

2007

No Account

The submitted card number is not on file with the card-issuing bank. The customer will need to contact their bank.

Hard

2008

Card Account Length Error

The submitted card number does not include the proper number of digits. Have the customer attempt the transaction again – if the decline persists, the customer will need to contact their bank.

Hard

2009

No Such Issuer

This decline code could indicate that the submitted card number does not correlate to an existing card-issuing bank or that there is a connectivity error with the issuer. The customer will need to contact their bank for more information.

Hard

2010

Card Issuer Declined CVV

The customer entered in an invalid security code or made a typo in their card information. Have the customer attempt the transaction again – if the decline persists, the customer will need to contact their bank.

Hard

2011

Voice Authorization Required

The customer’s bank is requesting that the merchant (you) call to obtain a special authorization code in order to complete this transaction. This can result in a lengthy process – we recommend obtaining a new payment method instead. Contact us for more details.

Hard

2012

Processor Declined – Possible Lost Card

The card used has likely been reported as lost. The customer will need to contact their bank for more information.

Hard

2013

Processor Declined – Possible Stolen Card

The card used has likely been reported as stolen. The customer will need to contact their bank for more information.

Hard

2014

Processor Declined – Fraud Suspected

The customer’s bank suspects fraud – they will need to contact their bank for more information.

Hard

2015

Transaction Not Allowed

The customer's bank is declining the transaction for unspecified reasons, possibly due to an issue with the card itself. They will need to contact their bank or use a different payment method.

Hard

2016

Duplicate Transaction

The submitted transaction appears to be a duplicate of a previously submitted transaction and was declined to prevent charging the same card twice for the same service.

Soft

2017

Cardholder Stopped Billing

The customer requested a cancellation of a single transaction – reach out to them for more information.

Hard

2018

Cardholder Stopped All Billing

The customer requested the cancellation of a recurring transaction or subscription – reach out to them for more information.

Hard

2019

Invalid Transaction

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction – for example, the customer used an FSA debit card for a non-healthcare related purchase. They will need to contact their bank for more information.

Hard

2020

Violation

The customer will need to contact their bank for more information.

Hard

2021

Security Violation

The customer's bank is declining the transaction, possibly due to a fraud concern. They will need to contact their bank or use a different payment method.

Hard

2022

Declined – Updated Cardholder Available

The submitted card has expired or been reported lost and a new card has been issued. Reach out to your customer to obtain updated card information.

Hard

2023

Processor Does Not Support This Feature

Your account can't process transactions with the intended feature – for example, 3D Secure or Level 2/Level 3 data. If you believe your merchant account should be set up to accept this type of transaction, contact us.

Hard

2024

Card Type Not Enabled

Your account can't process the attempted card type. If you believe your merchant account should be set up to accept this type of card, contact us for assistance.

Hard

2025

Set Up Error – Merchant

Depending on your region, this response could indicate a connectivity or setup issue. Contact us for more information regarding this error message.

Soft

2026

Invalid Merchant ID

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction. If this response persists across transactions for multiple customers, it could indicate a connectivity or setup issue. Contact us for more information regarding this error message.

Soft

2027

Set Up Error – Amount

This rare decline code indicates an issue with processing the amount of the transaction. The customer will need to contact their bank for more details.

Hard

2028

Set Up Error – Hierarchy

There is a setup issue with your account. Contact us for more information.

Hard

2029

Set Up Error – Card

This response generally indicates that there is a problem with the submitted card. The customer will need to use a different payment method.

Hard

2030

Set Up Error – Terminal

There is a setup issue with your account. Contact us for more information.

Hard

2031

Encryption Error

The cardholder’s bank does not support $0.00 card verifications. Enable the Retry All Failed $0 option to resolve this error. Contact us with questions.

Hard

2032

Surcharge Not Permitted

Surcharge amount not permitted on this card. The customer will need to use a different payment method.

Hard

2033

Inconsistent Data

An error occurred when communicating with the processor. The customer will need to contact their bank for more details.

Hard

2034

No Action Taken

An error occurred and the intended transaction was not completed. Attempt the transaction again.

Soft

2035

Partial Approval For Amount In Group III Version

The customer's bank approved the transaction for less than the requested amount. Have the customer attempt the transaction again – if the decline persists, the customer will need to use a different payment method.

Soft

2036

Authorization could not be found

An error occurred when trying to process the authorization. This response could indicate an issue with the customer’s card or that the processor doesn't allow this action – contact us for more information.

Hard

2037

Already Reversed

The indicated authorization has already been reversed. If you believe this to be false, contact us for more information.

Hard

2038

Processor Declined

The customer's bank is unwilling to accept the transaction. The reasons for this response can vary – customer will need to contact their bank for more details.

Soft

2039

Invalid Authorization Code

The authorization code was not found or not provided. Have the customer attempt the transaction again – if the decline persists, they will need to contact their bank.

Hard

2040

Invalid Store

There may be an issue with the configuration of your account. Have the customer attempt the transaction again – if the decline persists, contact us for more information.

Soft

2041

Declined – Call For Approval

The card used for this transaction requires customer approval – they will need to contact their bank.

Hard

2042

Invalid Client ID

There may be an issue with the configuration of your account. Have the customer attempt the transaction again – if the decline persists, contact us for more information.

Soft

2043

Error – Do Not Retry, Call Issuer

The card-issuing bank will not allow this transaction. The customer will need to contact their bank for more information.

Hard

2044

Declined – Call Issuer

The card-issuing bank has declined this transaction. Have the customer attempt the transaction again – if the decline persists, they will need to contact their bank for more information.

Hard

2045

Invalid Merchant Number

There is a setup issue with your account. Contact us for more information.

Hard

2046

Declined

The customer's bank is unwilling to accept the transaction. For credit/debit card transactions, the customer will need to contact their bank for more details regarding this generic decline; if this is a PayPal transaction, the customer will need to contact PayPal.

Soft

2047

Call Issuer. Pick Up Card

The customer’s card has been reported as lost or stolen by the cardholder and the card-issuing bank has requested that merchants keep the card and call the number on the back to report it. As an online merchant, you don’t have the physical card and can't complete this request – obtain a different payment method from the customer.

Hard

2048

Invalid Amount

The authorized amount is set to zero, is unreadable, or exceeds the allowable amount. Make sure the amount is greater than zero and in a suitable format.

Soft

2049

Invalid SKU Number

A non-numeric value was sent with the attempted transaction. Fix errors and resubmit with the transaction with the proper SKU Number.

Hard

2050

Invalid Credit Plan

There may be an issue with the customer’s card or a temporary issue at the card-issuing bank. The customer will need to contact their bank for more information or use a different payment method.

Hard

2051

Credit Card Number does not match method of payment

There may be an issue with the customer’s credit card or a temporary issue at the card-issuing bank. Have the customer attempt the transaction again – if the decline persists, ask for a different card or payment method.

Hard

2053

Card reported as lost or stolen

The card used was reported lost or stolen. The customer will need to contact their bank for more information or use a different payment method.

Hard

2054

Reversal amount does not match authorization amount

Either the refund amount is greater than the original transaction or the card-issuing bank does not allow partial refunds. The customer will need to contact their bank for more information or use a different payment method.

Hard

2055

Invalid Transaction Division Number

Contact us

 for more information regarding this error message.

Hard

2056

Transaction amount exceeds the transaction division limit

Contact us

 for more information regarding this error message.

Hard

2057

Issuer or Cardholder has put a restriction on the card

The customer will need to contact their issuing bank for more information.

Soft

2058

Merchant not Mastercard SecureCode enabled

The attempted card can't be processed without enabling 3D Secure for your account. Contact us for more information regarding this feature or contact the customer for a different payment method.

Hard

2059

Address Verification Failed

PayPal was unable to verify that the transaction qualifies for Seller Protection because the address was improperly formatted. The customer should contact PayPal for more information or use a different payment method.

Hard

2060

Address Verification and Card Security Code Failed

Both the AVS and CVV checks failed for this transaction. The customer should contact PayPal for more information or use a different payment method.

Hard

2061

Invalid Transaction Data

There may be an issue with the customer’s card or a temporary issue at the card-issuing bank. Have the customer attempt the transaction again – if the decline persists, ask for a different card or payment method.

Hard

2062

Invalid Tax Amount

There may be an issue with the customer’s card or a temporary issue at the card-issuing bank. Have the customer attempt the transaction again – if the decline persists, ask for a different card or payment method.

Soft

2063

PayPal Business Account preference resulted in the transaction failing

You can't process this transaction because your account is set to block certain payment types, such as eChecks or foreign currencies. If you believe you have received this decline in error, contact us.

Hard

2064

Invalid Currency Code

There may be an issue with the configuration of your account for the currency specified. Contact us for more information.

Hard

2065

Refund Time Limit Exceeded

PayPal requires that refunds are issued within 180 days of the sale. This refund can't be successfully processed.

Hard

2066

PayPal Business Account Restricted

Contact PayPal’s Support team

 to resolve this issue with your account. Then, you can attempt the transaction again.

Hard

2067

Authorization Expired

The PayPal authorization is no longer valid.

Hard

2068

PayPal Business Account Locked or Closed

You'll need to contact PayPal’s Support team to resolve an issue with your account. Once resolved, you can attempt to process the transaction again.

Hard

2069

PayPal Blocking Duplicate Order IDs

The submitted PayPal transaction appears to be a duplicate of a previously submitted transaction. This decline code indicates an attempt to prevent charging the same PayPal account twice for the same service.

Hard

2070

PayPal Buyer Revoked Pre-Approved Payment Authorization

The customer revoked authorization for this payment method. Reach out to the customer for more information or a different payment method.

Hard

2071

PayPal Payee Account Invalid Or Does Not Have a Confirmed Email

Customer has not finalized setup of their PayPal account. Reach out to the customer for more information or a different payment method.

Hard

2072

PayPal Payee Email Incorrectly Formatted

Customer made a typo or is attempting to use an invalid PayPal account.

Hard

2073

PayPal Validation Error

PayPal can't validate this transaction. Contact us for more details.

Hard

2074

Funding Instrument In The PayPal Account Was Declined By The Processor Or Bank, Or It Can't Be Used For This Payment

The customer’s payment method associated with their PayPal account was declined. Reach out to the customer for more information or a different payment method.

Hard

2075

Payer Account Is Locked Or Closed

The customer’s PayPal account can't be used for transactions at this time. The customer will need to contact PayPal for more information or use a different payment method.

Hard

2076

Payer Cannot Pay For This Transaction With PayPal

The customer should contact PayPal for more information or use a different payment method. You may also receive this response if you create transactions using the email address registered with your PayPal Business Account.

Hard

2077

Transaction Refused Due To PayPal Risk Model

PayPal has declined this transaction due to risk limitations. You'll need to contact PayPal’s Support team to resolve this issue.

Hard

2079

PayPal Merchant Account Configuration Error

You'll need to contact us to resolve an issue with your account. Once resolved, you can attempt to process the transaction again.

Hard

2081

PayPal pending payments are not supported

Braintree received an unsupported Pending Verification response from PayPal. Contact Braintree’s Support team to resolve a potential issue with your account settings. If there is no issue with your account, have the customer reach out to PayPal for more information.

Hard

2082

PayPal Domestic Transaction Required

This transaction requires the customer to be a resident of the same country as the merchant. Reach out to the customer for a different payment method.

Hard

2083

PayPal Phone Number Required

This transaction requires the payer to provide a valid phone number. The customer should contact PayPal for more information or use a different payment method.

Hard

2084

PayPal Tax Info Required

The customer must complete their PayPal account information, including submitting their phone number and all required tax information.

Hard

2085

PayPal Payee Blocked Transaction

Fraud settings on your PayPal business account are blocking payments from this customer. These can be adjusted in the Block Payments section of your PayPal business account.

Hard

2086

PayPal Transaction Limit Exceeded

The settings on the customer's account do not allow a transaction amount this large. They will need to contact PayPal to resolve this issue.

Hard

2087

PayPal reference transactions not enabled for your account

PayPal API permissions are not set up to allow reference transactions. You'll need to contact PayPal’s Support team to resolve an issue with your account. Once resolved, you can attempt to process the transaction again.

Hard

2088

Currency not enabled for your PayPal seller account

This currency is not currently supported by your PayPal account. You can accept additional currencies by updating your PayPal profile.

Hard

2089

PayPal payee email permission denied for this request

PayPal API permissions are not set up between your PayPal business accounts. Contact us for more information.

Hard

2090

PayPal account not configured to refund more than settled amount

Your PayPal account is not set up to refund amounts higher than the original transaction amount. Contact PayPal's Support team for information on how to enable this.

Hard

2091

Currency of this transaction must match currency of your PayPal account

Your PayPal account can only process transactions in the currency of your home country. Contact PayPal's Support team for more information.

Hard

2092

No Data Found - Try Another Verification Method

The processor is unable to provide a definitive answer about the customer's bank account. Please try a different US bank account verification method.

Soft

2093

PayPal payment method is invalid

The PayPal payment method has either expired or been canceled.

Hard

2094

PayPal payment has already been completed

Your integration is likely making PayPal calls out of sequence. Check the error response for more details.

Hard

2095

PayPal refund is not allowed after partial refund

Once a PayPal transaction is partially refunded, all subsequent refunds must also be partial refunds for the remaining amount or less. Full refunds are not allowed after a PayPal transaction has been partially refunded.

Hard

2096

PayPal buyer account can't be the same as the seller account

PayPal buyer account can't be the same as the seller account.

Hard

2097

PayPal authorization amount limit exceeded

PayPal authorization amount is greater than the allowed limit on the order.

Hard

2098

PayPal authorization count limit exceeded

The number of PayPal authorizations is greater than the allowed number on the order.

Hard

2099

Cardholder Authentication Required

The customer's bank declined the transaction because a 3D Secure authentication was not performed during checkout. Have the customer authenticate using 3D Secure, then attempt the authorization again.

Soft

2100

PayPal channel initiated billing not enabled for your account

Your PayPal permissions are not set up to allow channel initiated billing transactions. Contact PayPal's Support team for information on how to enable this. Once resolved, you can attempt to process the transaction again.

Hard

2101

Additional authorization required

This transaction requires additional customer credentials for authorization. The customer should insert their chip.

Soft

2102

Incorrect PIN

The entered PIN was incorrect.

Soft

2103

PIN try exceeded

The allowable number of PIN tries has been exceeded.

Soft

2104

Offline Issuer Declined

The transaction was declined offline by the issuer. The customer will need to contact their bank for more information.

Soft

2105-2999

Processor Declined

The customer's bank is unwilling to accept the transaction. The customer will need to contact their bank for more details regarding this generic decline.

Soft

3000

Processor Network Unavailable – Try Again

This response could indicate a problem with the back-end processing network, not necessarily a problem with the payment method. Have the customer attempt the transaction again – if the decline persists, contact us for more information.

Soft