Credit card transactions may sometimes be declined or flagged with specific rejection codes. Typically, credit card transactions decline immediately, prompting the giver for a different payment.
These codes help identify the reason behind the failed transaction. Below is a list of common debit/credit card rejection codes and their descriptions for reference.
| Code | Description |
| 01 | Refer to issuer |
| 02 | Refer to issuer (special condition) |
| 03 | Invalid merchant |
| 04 | Pick up card (no fraud) |
| 05 | Do not honor |
| 06 | Error |
| 07 | Pick up card (fraud) |
| 10 | Partial approval |
| 12 | Invalid transaction |
| 13 | Invalid amount |
| 14 | Invalid account number |
| 15 | No such issuer |
| 19 | Re-enter transaction |
| 21 | No action taken |
| 25 | Unable to locate record in file |
| 28 | File temporarily not available for update or injury |
| 41 | Lost card, pick up |
| 43 | Stolen card, pick up |
| 51 | Insufficient funds |
| 52 | No checking account |
| 53 | No savings account |
| 54 | Expired card |
| 55 | Incorrect PIN |
| 57 | Transaction not permitted—card |
| 58 | Transaction not permitted—terminal |
| 59 | Suspected fraud |
| 61 | Exceeds approval amount limit |
| 62 | Invalid/restricted service code |
| 63 | Security violation |
| 64 | Transaction does not fulfill AML requirement |
| 65 | Exceeds withdrawal limit |
| 70 | PIN data required |
| 75 | Allowable number of PIN entry tries exceeded |
| 76 | Unsolicited reversal |
| 78 | Blocked, first use |
| 79 | Already reversed |
| 82 | Negative CAM, dCVV, iCVV, or CVV results |
| 85 | No reason to decline |
| 86 | Cannot verify PIN |
| 91 | Issuer or switch unavailable |
| 92 | Unable to route transaction |
| 93 | Transaction can’t be completed—violation of law |
| 96 | System error |
| 97 | Invalid CVV |
| 1A | Additional customer authentication required |
| R0 | Recurring charge stopped at customer request |
| R1 | Recurring charge stopped at customer request |
Updated