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Here are common credit card decline codes that typically require you to reach out to your bank for resolution:
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05 – Do Not Honor
The issuer declined without giving a reason. Please contact your bank for details. -
07 – Pick Up Card (Special Condition)
Your card is flagged as lost or stolen. Get in touch with your bank immediately. -
12 – Invalid Transaction
There was an error with how the transaction or card data was entered. Your bank can clarify the issue. -
41 – Lost Card, Pick Up (Fraudulent)
The card was reported lost and is blocked. Please resolve this with your bank. -
43 – Stolen Card, Pick Up (Fraudulent)
The card was reported stolen. Contact your bank to address this. -
51 – Insufficient Funds
Your account balance doesn’t cover the charge. You may need to add funds or discuss options with your bank. -
54 – Expired Card
The expiration date on your card has passed. Please request a new card from your bank. -
57 – Transaction Not Permitted to Cardholder
Your bank has blocked this type of purchase. Call them for more information. -
62 – Restricted Card
Your card is limited to certain merchants or regions. Check with your bank for specifics. -
65 – Activity Limit Exceeded
You’ve reached your daily spending limit. Your bank can help you adjust this limit or suggest alternatives. -
91 – Issuer or Switch Inoperative
A temporary outage at the card network or bank prevented authorization. Your bank can update you on service status. -
93 – Transaction Cannot Be Completed, Violation of Law
Legal or regulatory rules are blocking the transaction. Contact your bank for clarification. -
N7 – Decline for CVV2 Failure
The security code didn’t match. Verify your details or check with your bank. -
R0 / R1 – Stop Payment Order
You’ve placed a stop payment on this card. Please confirm with your bank before retrying.
For any other decline codes or to investigate further, please submit a ticket.