Declined Reason Code

Codes 0-199 indicate that a transaction request was successfully sent to a cardholder’s issuing bank and ProtectPay® received a response.
Code	Message	Status
0	Success	Processed
1	Credit card company has blocked the transaction	Decline
3	Invalid merchant	Decline
4	Do not honor – Capture card	Decline
5	Do not honor – Call bank	Decline
6	Customer block on recurring payment	Decline
7	Customer block on all recurring payments	Decline
8	Honor with ID	Approve
9	Unpaid items on customer account prevent transaction	Decline
10	Duplicate check number	Decline
11	MICR error	Decline
12	Invalid transaction	Decline
13	Referral	Decline
14	Invalid card number	Decline
15	Invalid issuer	Decline
16	Refund attempt on card never charged	Decline
17	Amount greater than limit	Decline
18	Too many checks –limit on checks written from this account	Decline
19	Re enter transaction	Decline
20	Issuing bank offline	Decline
21	Failed AVS check	Decline
22	Try again	Decline
23	Void error	Decline
24	Incorrect expiration date	Decline
25	Invalid terminal	Decline
26	Credit error	Decline
27	A fraud filter has blocked this transaction	Decline
28	A fraud filter has marked this transaction as needing review	Decline
29	Issuing bank has timed out	Decline
30	Format error on amount	Decline
41	Lost card	Decline
43	Stolen card	Decline
51	Insufficient funds/over credit limit	Decline
52	No such checking account	Decline
54	Expired card	Decline
55	Invalid PIN	Decline
57	Transaction not permitted to issuer/cardholder	Decline
58	Transaction not permitted to acquirer/terminal	Decline
61	Exceeds withdrawal limit	Decline
62	Restricted card	Decline
63	Security violation	Decline
65	Exceeds withdrawal limit count	Decline
75	Allowable number of PIN tries exceeded	Decline
76	Invalid/nonexistent "To Account" specified	Decline
77	Invalid/nonexistent "From Account" specified	Decline
78	Invalid/nonexistent account specified (general)	Decline
80	Invalid date	Decline
82	CVV data is not correct	Decline
83	Cannot verify the PIN	Decline
84	Invalid authorization life cycle	Decline
85	Not declined	Approve
93	Cannot complete the transaction.  If a retail sale, have customer contact bank.	Decline
94	Duplicate transaction	Decline
96	System Error	Decline
98	Approved for lesser amount	Consult Merchant account provider.
100	Generic Decline	Decline**
199	Decline – ProtectPay® is unable to parse the response by cardholder bank but will not settle the transaction.	Decline
The following codes indicate that ProtectPay® was able to successfully submit a transaction to your merchant account provider but that your merchant account provider was unable or unwilling to pass the transaction over the credit card processing networks for some reason.
Code	Message	Status
200	Authentication error	Error
201	Invalid argument error	Error
204	System of record account status error	Error
206	Unsupported transaction request, or request cannot be processed due to transaction state	Error
207	Internal system error	Error
214	Invalid destination account	Error
223	Duplicate transaction	Error
224	Amount exceeds single transaction limit	Error
225	Amount exceeds monthly transaction limit	Error
226	Invalid track data	Error
230	Merchant not authorized	Error
The following codes indicate that ProtectPay® was unable to submit a transaction to your merchant account provider.  These messages include both internal system messages and those which are produced by an unwillingness of a gateway to attempt the transaction.
Code	Message	Status
300	Authentication error	Error
301	Invalid argument error	Error
302	Invalid invoice number	Error
303	Generic system decline	Error
304	System of record account status error	Error
305	Invalid track data	Error
306	Unsupported transaction request	Error
307	Internal system error	Error
308	Invalid credit card	Error
309	Insufficient payment methods	Error
310	Unsupported currency code	Error
311	Invalid argument error ‘{0}’ on ‘{1}’	Error
312	Address validation error	Error
313	ID validation error	Error
314	Account validation error	Error
315	Payment Method validation error	Error
316	Call failed for an unspecified reason	Error
317	Duplicate Account Number Found	Error
318	Country code not supported	Error
319	Argument format error	Error
320	Argument required error	Error
321	Invalid password	Error
322	Latest EULA not signed	Error
326	Invalid track data	Error
330	Unauthorized request	Error
The following are reserved responses when your merchant account is ProPay.  Each indicates that ProtectPay® was unable to submit the transaction to ProPay’s system.
Code	Message	Status
542	Invalid destination account	Error
544	Amount formatted incorrectly for ProPay	Error
551	Invalid transaction number or transaction unable to be processed due to funding or account balance	Decline
561	Amount exceeds single transaction limit	Decline
562	Amount exceeds monthly volume limit	Decline
567	Unauthorized service requested	Error
568	Account not affiliated	Decline