Business

Understanding Debit Card Decline Codes

list of debit card

Reject codes make debit card transactions difficult. Short numbers indicate accepted or rejected transactions, generally two or three digits. Sellers should know these drop data to understand why a contract fell through. Businesses can swiftly address problems and function smoothly with this information. This article will explain list of debit card declined codes, list popular ones, and explain how to handle failed transactions.

What’s a decline code?

The card provider, payment processor, or card network (such as Visa or Mastercard) issues an alphanumeric decline code to explain a debit card transaction denial. These codes report problems such as money shortages, card errors, and fraud. Payment providers’ codes vary, but they tell businesses why a transaction failed.

Stripe users may see exclusive decline codes. These codes teach merchants how to remedy issues and close sales.

Decline Codes

List of Debit Card Decline Codes

Popular debit cards reject numbers and their meanings. Each code describes a deal’s failure.

  • 01: Refer to issuer: Call the bank to accept the transaction (refer to issuer).
  • 02: Refer to the issuer (exceptional condition)
  • Refer the issuer for exceptional conditions requiring owner evaluation and halt acceptance.
  • 04: Collect the card (no fraud): Take the card without suspicion.
  • 06: Error A system error occurred during transaction processing.
  • 07: Pick up card (fraud): In case of fraud, collect the card to prevent theft.
  • 10: Partial approval authorised just a portion of the agreement.
  • Invalid transaction—Incorrect information makes the transaction illegal.
  • 13: Incorrect purchasing amount.
  • 14: Invalid account number—The card number is incorrect.
  • 51: Insufficient funds – The user lacks funds for the transaction.
  • 54: Expired card – Unusable.
  • 55: Incorrect PIN input.
  • 57: You cannot use this card for this type of purchase.
  • 58: Transaction not allowed—The computer cannot process this.
  • 59: Possible fraud – The acquisition prompted worries about fraud.
  • 63: Security problem detected.
  • 64:The deal does not comply with Anti-Money Laundering (AML) regulations.
  • 70: Transaction requires a PIN.
  • The 75 PIN entering tries limit was exceeded due to many erroneous attempts.
  • 91: Issuer or switch unavailable: Payment system or card provider unavailable.
  • Option 96: System error – A system error prevented the transaction from proceeding.
  • 97: Invalid CVV The CVV (Card Verification Value) you typed is invalid.

Summary

Merchants must comprehend debit card reject codes to process purchases. These codes enable firms to identify and fix transaction rejections by providing detailed reasons. Learn the standard decline codes to resolve problems and improve client satisfaction. Using reputable payment processors and solutions for hazardous transactions reduces rejections and fraud, speeds up transactions, and pleasing consumers.