Transactions can be declined for many reasons, including a card being reported as lost, card expiration, or invalid data supplied by the merchant.

By mapping the decline codes from various PSPs to a list of categories, Sift’s global models can learn which types of declines are strong fraud indicators, and which have no signal.

This guide explains the guidelines for mapping PSP codes to a decline category, and provides mappings for Adyen, Stripe, Braintree, WePay, CyberSource, and Checkout.com.

Use $decline_category to indicate the category of a transaction decline sent by the PSP. Only send this field when $transaction_status is $failure. Sending for transactions with status $success, $pending or when it is empty will result in error.

Guidelines for Mapping

Decline_Category	Guideline for mapping from PSP code
`fraud`	Anything designated as fraud by the PSP or bank.
`lost_or_stolen`	Card has been reported lost or stolen. Put “Pickup card” codes here as well.
`risky`	Flagged by some risk indicator, but not confirmed fraud.
`bank_decline`	Issuer declined.
`invalid`	Anything relating to missing or incorrect information supplied by consumer, unless the incorrect information is a verification step (PIN, CVC, AVS). Anything related to unsupported requests.
`expired`	Card is expired
`insufficient_funds`	Transaction requires more funds than is available
`limit_exceeded`	Transaction amount, number of tries, or withdrawal count limit exceeded. Expected risk factor.
`additional_verification_required`	Authorization step required before transaction can go through. Includes requesting PIN or CVV, AVS check.
`invalid_verification`	Authorization has not been successful. Includes failed CVV, PIN, revoked or timed-out auth.
`other`	Catchall excluded from learning (assume no signal). Includes: Duplicate transaction Cancelled transaction Errors Do not honor Invalid data entry Unsupported Generic decline

Mappings: PSP decline codes to Sift $decline_category

We’ve mapped decline codes from major PSPs to Sift decline categories to make integrating $decline_category easier.

Adyen
Stripe
Braintree
WePay
CyberSource
Checkout.com

Adyen

Adyen Decline Code Documentation

Sift Decline Category	Code	Name	Description
`other`	0	UNKNOWN	Unknown
`other`	2	DECLINED	Refused
`other`	3	REFERRAL	Referral
`other`	4	ERROR	Acquirer Error
`other`	5	BLOCK_CARD	Blocked Card
`expired`	6	CARD_EXPIRED	Expired Card
`invalid`	7	INVALID_AMOUNT	Invalid Amount
`invalid`	8	INVALID_CARD_NUMBER	Invalid Card Number
`other`	9	ISSUER_UNAVAILABLE	Issuer Unavailable
`invalid`	10	NOT_SUPPORTED	Not supported
`invalid_verification`	11	NOT_3D_AUTHENTICATED	3D Not Authenticated
`insufficient_funds`	12	NOT_ENOUGH_BALANCE	Not enough balance
`risky`	14	ACQUIRER_FRAUD	Acquirer Fraud
`other`	15	CANCELLED	Cancelled
`other`	16	SHOPPER_CANCELLED	Shopper Cancelled
`invalid_verification`	17	INVALID_PIN	Invalid Pin
`limit_exceeded`	18	PIN_TRIES_EXCEEDED	Pin tries exceeded
`other`	19	PIN_VALIDATION_NOT_POSSIBLE	Pin validation not possible
`fraud`	20	FRAUD	FRAUD
`other`	21	NOT_SUBMITTED	Not Submitted
`fraud`	22	FRAUD_CANCELLED	FRAUD-CANCELLED
`other`	23	TRANSACTION_NOT_PERMITTED	Transaction Not Permitted
`invalid_verification`	24	CVC_DECLINED	CVC Declined
`other`	25	RESTRICTED_CARD	Restricted Card
`invalid_verification`	26	REVOCATION_OF_AUTH	Revocation Of Auth
`other`	27	DECLINED_NON_GENERIC	Declined Non Generic
`limit_exceeded`	28	WITHDRAWAL_AMOUNT_EXCEEDED	Withdrawal amount exceeded
`limit_exceeded`	29	WITHDRAWAL_COUNT_EXCEEDED	Withdrawal count exceeded
`other`	30	AMOUNT_PARTIALLY_APPROVED	Amount partially approved
`invalid_verification`	31	ISSUER_SUSPECTED_FRAUD	Issuer Suspected Fraud
`invalid_verification`	32	AVS_DECLINED	AVS Declined
`additional_verification_required`	33	PIN_REQUIRED	Card requires online pin
`invalid`	34	NO_CHECKING_ACCOUNT_AVAILABLE_ON_CARD	No checking account available on Card
`invalid`	35	NO_SAVINGS_ACCOUNT_AVAILABLE_ON_CARD	No savings account available on Card
`additional_verification_required`	36	MOBILE_PIN_REQUIRED	Mobile PIN required
`other`	37	CONTACTLESS_FALLBACK	Contactless fallback
`additional_verification_required`	38	AUTHENTICATION_REQUIRED	Authentication required

Stripe

Stripe Decline Code Documentation

Sift Decline Category	Code	Description
`additional_verification_required`	authentication_required	The card was declined as the transaction requires authentication.
`additional_verification_required`	approve_with_id	The payment cannot be authorized.
`other`	call_issuer	The card has been declined for an unknown reason.
`invalid`	card_not_supported	The card does not support this type of purchase.
`limit_exceeded`	card_velocity_exceeded	The customer has exceeded the balance or credit limit available on their card.
`invalid`	currency_not_supported	The card does not support the specified currency.
`other`	do_not_honor	The card has been declined for an unknown reason.
`other`	do_not_try_again	The card has been declined for an unknown reason.
`invalid`	duplicate_transaction	A transaction with identical amount and credit card information was submitted very recently.
`expired`	expired_card	The card has expired.
`fraud`	fraudulent	The payment has been declined as Stripe suspects it is fraudulent.
`other`	generic_decline	The card has been declined for an unknown reason.
`invalid`	incorrect_number	The card number is incorrect.
`invalid_verification`	incorrect_cvc	The CVC number is incorrect.
`invalid_verification`	incorrect_pin	The PIN entered is incorrect. This decline code only applies to payments made with a card reader.
`invalid`	incorrect_zip	The ZIP/postal code is incorrect.
`insufficient_funds`	insufficient_funds	The card has insufficient funds to complete the purchase.
`invalid`	invalid_account	The card, or account the card is connected to, is invalid.
`invalid`	invalid_amount	The payment amount is invalid, or exceeds the amount that is allowed.
`invalid_verification`	invalid_cvc	The CVC number is incorrect.
`invalid`	invalid_expiry_year	The expiration year invalid.
`invalid`	invalid_number	The card number is incorrect.
`invalid_verification`	invalid_pin	The PIN entered is incorrect. This decline code only applies to payments made with a card reader.
`other`	issuer_not_available	The card issuer could not be reached, so the payment could not be authorized.
`lost_or_stolen`	lost_card	The payment has been declined because the card is reported lost.
`risky`	merchant_blacklist	The payment has been declined because it matches a value on the Stripe user's block list.
`other`	new_account_information_available	The card, or account the card is connected to, is invalid.
`other`	no_action_taken	The card has been declined for an unknown reason.
`other`	not_permitted	The payment is not permitted.
`additional_verification_required`	offline_pin_required	The card has been declined as it requires a PIN.
`additional_verification_required`	online_or_offline_pin_required	The card has been declined as it requires a PIN.
`lost_or_stolen`	pickup_card	The card cannot be used to make this payment (it is possible it has been reported lost or stolen).
`limit_exceeded`	pin_try_exceeded	The allowable number of PIN tries has been exceeded.
`invalid`	processing_error	An error occurred while processing the card.
`invalid`	reenter_transaction	The payment could not be processed by the issuer for an unknown reason.
`risky`	restricted_card	The card cannot be used to make this payment (it is possible it has been reported lost or stolen).
`invalid_verification`	revocation_of_all_authorizations	The card has been declined for an unknown reason.
`invalid_verification`	revocation_of_authorization	The card has been declined for an unknown reason.
`other`	security_violation	The card has been declined for an unknown reason.
`other`	service_not_allowed	The card has been declined for an unknown reason.
`lost_or_stolen`	stolen_card	The payment has been declined because the card is reported stolen.
`other`	stop_payment_order	The card has been declined for an unknown reason.
`other`	testmode_decline	A Stripe test card number was used.
`other`	transaction_not_allowed	The card has been declined for an unknown reason.
`other`	try_again_later	The card has been declined for an unknown reason.
`limit_exceeded`	withdrawal_count_limit_exceeded	The customer has exceeded the balance or credit limit available on their card.

WePay

Wepay Decline Code Documentation

Sift Decline Category	Code	Description
`invalid_verification`	2001	The AVS check on the payment failed (invalid billing address).
`invalid`	2002	The card type is not supported by the Merchant.
`invalid`	2003	The issuing bank indicated that the card is not supported.
`bank_decline`	2004	The issuing bank declined the charge but did not tell us why (generally due to a fraud check on their side).
`insufficient_funds`	2005	The payment method does not have sufficient funds to make the payment.
`lost_or_stolen`	2006	The card has been lost or stolen.
`expired`	2007	The card has expired (some issuing banks don’t care though and we only care if they do).
`invalid`	2008	Some of the card data was invalid (CVV, expiration date, card number, name on card).
`invalid`	2009	The credit_card object is in an invalid state for that action.

Braintree

Braintree Decline Code Documentation

Sift Decline Category	Code	Name	Description
`other`	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.
`insufficient_funds`	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.
`limit_exceeded`	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.
`limit_exceeded`	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.
`expired`	2004	Expired Card	Card is expired. The customer will need to use a different payment method.
`invalid`	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.
`invalid`	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.
`invalid`	2007	No Account	The submitted card number is not on file with the card-issuing bank. The customer will need to contact their bank.
`invalid`	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.
`invalid`	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.
`invalid_verification`	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.
`additional_verification_required`	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.
`lost_or_stolen`	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.
`lost_or_stolen`	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.
`bank_decline`	2014	Processor Declined – Fraud Suspected	The customer’s bank suspects fraud – they will need to contact their bank for more information.
`bank_decline`	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.
`other`	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.
`other`	2017	Cardholder Stopped Billing	The customer requested a cancellation of a single transaction – reach out to them for more information.
`other`	2018	Cardholder Stopped All Billing	The customer requested the cancellation of a recurring transaction or subscription – reach out to them for more information.
`invalid`	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.
`other`	2020	Violation	The customer will need to contact their bank for more information.
`bank_decline`	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.
`lost_or_stolen`	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.
`invalid`	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.
`invalid`	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.
`invalid`	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.
`invalid`	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.
`invalid`	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.
`invalid`	2028	Set Up Error – Hierarchy	There is a setup issue with your account. Contact us for more information.
`invalid`	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.
`invalid`	2030	Set Up Error – Terminal	There is a setup issue with your account. Contact us for more information.
`invalid`	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.
`other`	2032	Surcharge Not Permitted	Surcharge amount not permitted on this card. The customer will need to use a different payment method.
`invalid`	2033	Inconsistent Data	An error occurred when communicating with the processor. The customer will need to contact their bank for more details.
`other`	2034	No Action Taken	An error occurred and the intended transaction was not completed. Attempt the transaction again.
`limit_exceeded`	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.
`invalid_verification`	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.
`other`	2037	Already Reversed	The indicated authorization has already been reversed. If you believe this to be false, contact us for more information.
`bank_decline`	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.
`invalid`	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.
`invalid`	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.
`additional_verification_required`	2041	Declined – Call For Approval	The card used for this transaction requires customer approval – they will need to contact their bank.
`invalid`	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.
`bank_decline`	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.
`bank_decline`	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.
`invalid`	2045	Invalid Merchant Number	There is a setup issue with your account. Contact us for more information.
`bank_decline`	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.
`lost_or_stolen`	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.
`invalid`	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.
`invalid`	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.
`invalid`	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.
`invalid`	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.
`lost_or_stolen`	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.
`limit_exceeded`	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.
`invalid`	2055	Invalid Transaction Division Number	Contact us for more information regarding this error message.
`limit_exceeded`	2056	Transaction amount exceeds the transaction division limit	Contact us for more information regarding this error message.
`bank_decline`	2057	Issuer or Cardholder has put a restriction on the card	The customer will need to contact their issuing bank for more information.
`invalid`	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.
`invalid_verification`	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.
`invalid_verification`	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.
`invalid`	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.
`invalid`	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.
`invalid`	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.
`invalid`	2064	Invalid Currency Code	There may be an issue with the configuration of your account for the currency specified. Contact us for more information.
`expired`	2065	Refund Time Limit Exceeded	PayPal requires that refunds are issued within 180 days of the sale. This refund can't be successfully processed.
`bank_decline`	2066	PayPal Business Account Restricted	Contact PayPal’s Support team to resolve this issue with your account. Then, you can attempt the transaction again.
`invalid_verification`	2067	Authorization Expired	The PayPal authorization is no longer valid.
`bank_decline`	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.
`other`	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.
`other`	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.
`invalid`	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.
`invalid`	2072	PayPal Payee Email Incorrectly Formatted	Customer made a typo or is attempting to use an invalid PayPal account.
`invalid_verification`	2073	PayPal Validation Error	PayPal can't validate this transaction. Contact us for more details.
`bank_decline`	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.
`bank_decline`	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.
`invalid`	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.
`fraud`	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.
`invalid`	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.
`invalid`	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.
`invalid`	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.
`invalid`	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.
`invalid`	2084	PayPal Tax Info Required	The customer must complete their PayPal account information, including submitting their phone number and all required tax information.
`fraud`	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.
`limit_exceeded`	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.
`invalid`	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.
`invalid`	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.
`invalid_verification`	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.
`limit_exceeded`	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.
`invalid`	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.
`invalid_verification`	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.
`invalid`	2093	PayPal payment method is invalid	The PayPal payment method has either expired or been canceled.
`other`	2094	PayPal payment has already been completed	Your integration is likely making PayPal calls out of sequence. Check the error response for more details.
`limit_exceeded`	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.
`other`	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.
`limit_exceeded`	2097	PayPal authorization amount limit exceeded	PayPal authorization amount is greater than the allowed limit on the order.
`limit_exceeded`	2098	PayPal authorization count limit exceeded	The number of PayPal authorizations is greater than the allowed number on the order.
`additional_verification_required`	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.
`other`	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.
`other`	2101-2999	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.
`other`	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.

CyberSource

CyberSource Decline Code Documentation

Sift Decline Category	Code	Name	Description
`invalid`	101	DMISSINGFIELD	Declined - The request is missing one or more fields
`invalid`	102	DINVALIDDATA	Declined - One or more fields in the request contains invalid data.
`other`	104	DDUPLICATE	Declined - The merchantReferenceCode sent with this authorization request matches the merchantReferenceCode of another authorization request that you sent in the last 15 minutes.
`other`	110	SPARTIALAPPROVAL	Partial amount was approved
`other`	150	ESYSTEM	Error - General system failure.
`other`	151	ETIMEOUT	Error - The request was received but there was a server timeout. This error does not include timeouts between the client and the server.
`other`	152	ETIMEOUT	Error: The request was received, but a service did not finish running in time.
`invalid_verification`	200	DAVSNO	Soft Decline - The authorization request was approved by the issuing bank but flagged by CyberSource because it did not pass the Address Verification Service (AVS) check.
`bank_decline`	201	DCALL	Decline - The issuing bank has questions about the request. You do not receive an authorization code programmatically, but you might receive one verbally by calling the processor.
`expired`	202	DCARDEXPIRED	Decline - Expired card. You might also receive this if the expiration date you provided does not match the date the issuing bank has on file. Note: The ccCreditService does not check the expiration date; instead, it passes the request to the payment processor. If the payment processor allows issuance of credits to expired cards, CyberSource does not limit this functionality.
`generic_decline`	203	DCARDREFUSED	Decline - General decline of the card. No other information provided by the issuing bank.
`insufficient_funds`	204	DCARDREFUSED	Decline - Insufficient funds in the account.
`lost_or_stolen`	205	DCARDREFUSED	Decline - Stolen or lost card.
`other`	207	DCARDREFUSED	Decline - Issuing bank unavailable.
`other`	208	DCARDREFUSED	Decline - Inactive card or card not authorized for card-not-present transactions.
`invalid_verification`	209	DCARDREFUSED	Decline - card verification number (CVN) did not match.
`limit_exceeded`	210	DCARDREFUSED	Decline - The card has reached the credit limit.
`invalid_verification`	211	DCARDREFUSED	Decline - Invalid Card Verification Number (CVN).
`other`	220	DCHECKREFUSED	Decline - Generic Decline.
`other`	221	DCHECKREFUSED	Decline - The customer matched an entry on the processor's negative file.
`other`	222	DCHECKREFUSED	Decline - customer's account is frozen
`invalid_verification`	230	DCV	Soft Decline - The authorization request was approved by the issuing bank but flagged by CyberSource because it did not pass the Card Verification Number (CVN) check.
`invalid`	231	DINVALIDCARD	Decline - Invalid account number
`invalid`	232	DINVALIDDATA	Decline - The card type is not accepted by the payment processor.
`other`	233	DINVALIDDATA	Decline - General decline by the processor.
`other`	234	DINVALIDDATA	Decline - There is a problem with your CyberSource merchant configuration.
`other`	235	DINVALIDDATA	Decline - The requested amount exceeds the originally authorized amount. Occurs, for example, if you try to capture an amount larger than the original authorization amount.
`other`	236	DINVALIDDATA	Decline - Processor failure.
`other`	237	DINVALIDDATA	Decline - The authorization has already been reversed.
`other`	238	DINVALIDDATA	Decline - The transaction has already been settled.
`other`	239	DINVALIDDATA	Decline - The requested transaction amount must match the previous transaction amount.
`invalid`	240	DINVALIDDATA	Decline - The card type sent is invalid or does not correlate with the credit card number.
`invalid`	241	DINVALIDDATA	Decline - The referenced request id is invalid for all follow-on transactions.
`other`	242	DNOAUTH	Decline - The request ID is invalid. You requested a capture, but there is no corresponding, unused authorization record. Occurs if there was not a previously successful authorization request or if the previously successful authorization has already been used in another capture request.
`other`	243	DINVALIDDATA	Decline - The transaction has already been settled or reversed.
`other`	246	DNOTVOIDABLE	Decline - The capture or credit is not voidable because the capture or credit information has already been submitted to your processor. Or, you requested a void for a type of transaction that cannot be voided.
`other`	247	DINVALIDDATA	Decline - You requested a credit for a capture that was previously voided.
`other`	248	DBOLETODECLINED	Decline - The boleto request was declined by your processor.
`other`	250	ETIMEOUT	Error - The request was received, but there was a timeout at the payment processor.
`limit_exceeded`	251	DCARDREFUSED	Decline - The Pinless Debit card's use frequency or maximum amount per use has been exceeded.
`other`	254	DINVALIDDATA	Decline - Account is prohibited from processing stand-alone refunds.
`risky`	400	DSCORE	Soft Decline - Fraud score exceeds threshold.
`invalid`	450	DINVALIDADDRESS	Apartment number missing or not found.
`invalid`	451	DINVALIDADDRESS	Insufficient address information.
`invalid`	452	DINVALIDADDRESS	House/Box number not found on street.
`invalid`	453	DINVALIDADDRESS	Multiple address matches were found.
`invalid`	454	DINVALIDADDRESS	P.O. Box identifier not found or out of range.
`invalid`	455	DINVALIDADDRESS	Route service identifier not found or out of range.
`invalid`	456	DINVALIDADDRESS	Street name not found in Postal code.
`invalid`	457	DINVALIDADDRESS	Postal code not found in database.
`invalid`	458	addressIDADDRESS	Unable to verify or correct address.
`invalid`	459	DINVALIDADDRESS	Multiple addres matches were found (international)
`invalid`	460	DINVALIDADDRESS	Address match not found (no reason given)
`invalid`	461	DINVALIDADDRESS	Unsupported character set
`additional_verification_required`	475	DAUTHENTICATE	The cardholder is enrolled in Payer Authentication. Please authenticate the cardholder before continuing with the transaction.
`invalid_verification`	476	DAUTHENTICATIONFAILED	Encountered a Payer Authentication problem. Payer could not be authenticated.
`risky`	480	DREVIEW	The order is marked for review by Decision Manager
`fraud`	481	DREJECT	The order has been rejected by Decision Manager
`other`	490		Your aggregator or acquirer is not accepting transactions from you at this time.
`other`	491		Your aggregator or acquirer is not accepting this transaction.
`additional_verification_required`	520	DSETTINGS	Soft Decline - The authorization request was approved by the issuing bank but declined by CyberSource based on your Smart Authorization settings.
`risky`	700	DRESTRICTED	The customer matched the Denied Parties List
`other`	701	DRESTRICTED	Export bill_country/ship_country match
`other`	702	DRESTRICTED	Export email_country match
`other`	703	DRESTRICTED	Export hostname_country/ip_country match

Checkout.com

Checkout.com Decline Code Documentation

Sift Decline Category	Code	Name	Description
`other`	20001	Refer to card issuer
`other`	20002	Refer to card issuer - special conditions
`other`	20003	Invalid merchant or merchant is not active
`bank_decline`	20005	Declined - Do Not Honour	https://docs.checkout.com/resources/codes/response-codes/declined-do-not-honour
`invalid`	20006	Error / Invalid request parameters
`additional_verification_required`	20009	Request in progress
`additional_verification_required`	20010	Partial value approved
`invalid`	20012	Invalid transaction	The issuer has declined the transaction because it is invalid. Usually this is owing to some incorrect/invalid format or field. The cardholder should contact their issuing bank.
`invalid`	20013	Invalid value/amount	Invalid amount (currency conversion field overflow) or amount exceeds maximum for card program.
`invalid`	20014	Invalid card number
`other`	20017	Customer cancellation
`other`	20018	Customer dispute
`other`	20019	Re-enter transaction or transaction has expired
`other`	20020	Invalid response
`other`	20021	No action taken
`other`	20022	Suspected malfunction
`other`	20023	Unacceptable transaction fee
`invalid`	20024	File Update not supported by the receiver
`other`	20025	Unable to Locate Record on File
`other`	20026	Duplicate file update record
`other`	20027	File update field edit error
`other`	20028	File update file locked out
`other`	20029	File update not successful
`other`	20030	Format error
`other`	20031	Bank not supported by Switch
`other`	20032	Completed partially
`limit_exceeded`	20038	Allowable PIN tries exceeded
`other`	20039	No CREDIT Account
`other`	20040	Requested function not supported
`other`	20042	No universal value/amount
`other`	20044	No investment account
`bank_decline`	20046	Bank decline
`insufficient_funds`	20051	Insufficient funds
`other`	20052	No cheque account
`other`	20053	No savings account
`expired`	20054	Expired card
`invalid_verification`	20055	Incorrect PIN (invalid Amex CVV)
`other`	20056	No card record
`other`	20057	Transaction not permitted to cardholder	Issuer has declined the transaction because the card cannot be used for this sort of transaction.
`other`	20058	Transaction not permitted to terminal
`fraud`	20059	Suspected fraud
`other`	20060	Card acceptor contact acquirer
`limit_exceeded`	20061	Exceeds withdrawal value/amount limits	Occurs if the defined amount is exceeded for the account or card.
`risky`	20062	Restricted card	A restriction is placed on the card at the cardholder (account) level and not at the BIN (product) level. For example, due to the card's country.
`risky`	20063	Security violation
`risky`	20064	Transaction does not fulfil AML requirement	Occurs if any of the following are missing: Sender Reference Number, Sender Account Number, Sender Name, Sender Address, etc.
`limit_exceeded`	20065	Exceeds Withdrawal Frequency Limit	Occurs if the defined withdrawal frequency limit has been exceeded.
`risky`	20066	Card acceptor call acquirer security
`risky`	20067	Hard capture - pick up card at ATM
`other`	20068	Response received too Late / Timeout
`invalid_verification`	20075	Allowable PIN tries exceeded
`other`	20078	Blocked card. First-time card usage.	Occurs if the transaction was from a new cardholder and the card is blocked. The cardholder needs to unblock their card before retrying the payment.
`other`	20082	No security model
`other`	20083	No accounts
`other`	20084	No PBF
`other`	20085	PBF update error
`other`	20086	ATM malfunction / Invalid authorisation type
`invalid_verification`	20087	Bad track data (invalid CVV and/or expiry date)
`other`	20088	Unable to dispense/process
`other`	20089	Administration error
`other`	20090	Cut-off in progress
`other`	20091	Issuer or Switch is inoperative
`invalid`	20092	Financial institution not found
`risky`	20093	Transaction cannot be completed; violation of law	Due to government, central bank or financial institution agreement, laws or regulations, these types of transactions cannot be authorized.
`other`	20094	Duplicate transmission/invoice
`other`	20095	Reconcile error
`other`	20096	System malfunction	Transaction does not pass Issuer system checks on fields.
`other`	20097	Reconciliation Totals Reset
`other`	20098	MAC error
`other`	20099	Other / Unidentified responses
`invalid_verification`	2006P	Cardholder ID verification failed	Cardholder could not be identified from their ID documentation as part of Know Your Customer (KYC) checks. The cardholder should contact their issuing bank to resolve.
`invalid_verification`	200N0	Unable to authorize
`invalid_verification`	200N7	Decline for CVV2 failure
`additional_verification_required`	200O5	Pin required
`limit_exceeded`	200P1	Over daily limit
`limit_exceeded`	200P9	Limit exceeded. Enter a lesser value.
`other`	200R1	Issuer initiated a stop payment (revocation order) for the Authorization
`other`	200R3	Issuer initiated a stop payment (revocation order) for all Authorizations
`other`	200S4	PTLF Full
`other`	200T2	Invalid transaction date
`other`	200T3	Card not supported
`other`	200T5	CAF status = 0 or 9
`other`	20100	Invalid expiry date format
`other`	20101	No account / No customer (token incorrect or invalid)
`other`	20102	Invalid merchant/Wallet ID
`other`	20103	Card type/Payment method not supported
`other`	20104	Gateway reject - invalid transaction
`other`	20105	Gateway reject - violation
`invalid`	20106	Unsupported currency
`invalid`	20107	Billing address is missing
`bank_decline`	20108	Declined - Updated cardholder available
`other`	20109	Authorization already reversed (voided) or capture is larger than initial authorised value
`other`	20110	Authorization completed
`other`	20111	Transaction already reversed
`other`	20112	Merchant not Mastercard SecureCode enabled
`invalid`	20113	Invalid property
`invalid`	20114	Invalid channel or token is incorrect
`invalid`	20115	Missing/Invalid lifetime
`invalid`	20116	Invalid encoding
`invalid`	20117	Invalid API version
`other`	20118	Transaction pending
`invalid`	20119	Invalid batch data and/or batch data is missing
`invalid`	20120	Invalid customer/user
`limit_exceeded`	20121	Transaction limit for merchant/terminal exceeded
`invalid`	20123	MISSING BASIC DATA: zip, addr, member
`other`	20150	Card not 3D Secure (3DS) enabled
`invalid_verification`	20151	Cardholder failed 3DS authentication
`invalid_verification`	20152	Initial 3DS transaction not completed within 15 minutes
`invalid_verification`	20153	3DS system malfunction
`additional_verification_required`	20154	3DS authentication required	Issuer requests a non-3DS payment be resubmitted with 3DS authentication.
`lost_or_stolen`	30004	Pick up card (no fraud)	The cardholder’s bank has declined the payment. The customer should call their issuing bank and ask why the transaction was declined. Once the issuing bank confirms that they will approve future attempts, try the transaction again.
`lost_or_stolen`	30007	Pick up card, special conditions	The cardholder’s bank has declined the payment because they have detected fraudulent activity on the account. For a one-off transaction, do not attempt the transaction again, and, if possible, do not provide goods or services to the person attempting the transaction. For a recurring or scheduled transaction, it is possible that the card was flagged after the last successfully processed payment (or after the authorization for the scheduled payment). In that case, contact your customer for a new credit card number, or ask for a different form of payment. Replace the old account number on the schedule with the new account number.
`invalid`	30015	No such issuer	The card number entered is invalid because it does not start with a 3 (Amex), 4 (Visa), 5 (Mastercard) or 6 (Discover). Double-check the credit card number and try the transaction again with the correct number. We will usually flag this type of error before an authorization is attempted, but, in some rare cases (typically when there is an error with a payment import), this type of failure may occur.
`other`	30016	Issuer does not allow online gambling payout	Issuer does not allow online gambling payout.
`other`	30017	Issuer does not allow original credit transaction	Issuer does not allow original credit transactions (OCTs) over Visa SMS. Only applies to OCTs.
`other`	30018	Issuer does not allow money transfer payout	Issuer does not allow money transfer original credit transactions (OCTs). Only applies to OCTs.
`other`	30019	Issuer does not allow non-money transfer payout	Issuer does not allow non-money transfer original credit transactions (OCTs). Only applies to OCTs.
`invalid`	30020	Invalid amount	Invalid amount.
`insufficient_funds`	30021	Total amount limit reached	Volume limit reached on the account.
`limit_exceeded`	30022	Total transaction count limit reached	Transaction count limit reached on the account.
`expired`	30033	Expired card - pick up	The cardholder's bank has declined the payment because the card has expired.
`lost_or_stolen`	30034	Suspected fraud - pick up	The cardholder's bank has declined the payment because it suspects fraudulent activity on the account.
`lost_or_stolen`	30035	Contact acquirer - pick up	The cardholder’s bank has declined the payment.
`lost_or_stolen`	30036	Restricted card - pick up	The cardholder's bank has declined the payment because the card is restricted.
`lost_or_stolen`	30037	Call acquirer security - pick up	The cardholder’s bank has declined the payment.
`lost_or_stolen`	30038	Allowable PIN tries exceeded - pick up	The cardholder has exceeded the number of PIN entry attempts allowed by their bank.
`lost_or_stolen`	30041	Lost card - pick up	The cardholder’s bank has declined the payment because the card has been reported lost. For a one-off transaction, do not attempt the transaction again, and if possible do not provide goods or services to the person attempting the transaction. For a recurring or scheduled transaction, it is possible that the card was lost after the last successfully processed payment (or after the authorization for the scheduled payment). In that case, contact your customer for a new credit card number, or ask for a different form of payment. Replace the lost account number on the schedule with the new account number
`lost_or_stolen`	30043	Stolen card - pick up	The cardholder’s bank has declined the payment because the card has been reported stolen. For a one-off transaction, do not attempt the transaction again, and if possible do not provide goods or services to the person attempting the transaction. For a recurring or scheduled transaction, it is possible that the card was lost after the last successfully processed payment (or after the authorization for the scheduled payment). In that case, contact your customer for a new credit card number, or ask for a different form of payment. Replace the lost account number on the schedule with the new account number
`risky`	30044	Transaction rejected - AMLD5	Transaction was initiated from an anonymous, non-reloadable prepaid card and for an amount greater than 50 EUR. Due to the AMLD5 directive, it cannot be fulfilled.
`other`	30045	Invalid payout fund transfer type	If the fund transfer type is not among the list that was configured for allowed fund transfer types, the transaction would fail.
`other`	30046	Closed account	The destination account is closed, and the transaction will never be approved, so do not reattempt the transaction. The cardholder must contact their issuing bank.
`fraud`	40101	Risk blocked transaction	The request was blocked by your risk settings.
`risky`	40102	Country not supported	The country in which the shopper is located is restricted by your risk settings.
`fraud`	40103	Gateway reject - blacklist transaction cannot be processed - payment attributes in blacklist	One or more of the payment attributes has been blacklisted by your settings or our international blacklist database.
`invalid_verification`	40104	Gateway Reject - CVV is missing or incorrect	Payment was voided after authorization because your configuration requires a CVV to be entered, but no CVV was provided with this payment, or the CVV was incorrect.
`invalid_verification`	40108	Gateway Reject - Post code failed	The card’s ZIP or postcode failed validation.
`invalid_verification`	40109	Gateway Reject - Missing required data	The request is missing required data.
`invalid_verification`	40110	Missing 3DS data, or data is not correct	The request is either missing 3DS data or contains incorrect data.
`invalid_verification`	40111	Voided - AVS not matched	The payment was voided after authorization by an Address Verification Service (AVS) risk filter which voids payments when the AVS returns a no match (AVS = N). The response_code will show 10000, but the response_summary will show 40111. See example.
`fraud`	40131	Mismatch - Shipping to billing shipping country does not match billing country	The payment was declined because the shipping country does not match the billing country.
`fraud`	40132	Mismatch - Shipping to BIN shipping country does not match BIN country	The payment was declined because the shipping country does not match the bank identification number (BIN) country.
`fraud`	40133	Mismatch - Shipping to IP Shipping country does not match IP country	The payment was declined because the cardholder's IP address does not match the shipping country.
`fraud`	40134	Mismatch - Shipping country to phone (country)
`fraud`	40135	Mismatch - Billing to BIN Billing country does not match BIN country	The payment was declined because the BIN country does not match the billing country.
`fraud`	40136	Mismatch - Billing to IP billing country does not match IP country	The payment was declined because the cardholder's IP address does not match the billing country.
`fraud`	40138	Mismatch - BIN to IP Bin country does not match IP country	The payment was declined because the cardholder's IP address does not match the BIN country.
`fraud`	40139	Mismatch - BIN country to phone (country)
`risky`	40141 - 40149	Threshold Risk
`risky`	40150	Card velocity - Daily - Approved only
`risky`	40151	Card velocity - Daily - All transactions
`risky`	40152	Card velocity - Weekly - Approved only
`risky`	40153	Card velocity - Weekly - All transactions
`risky`	40154	Card velocity - Monthly - Approved only
`risky`	40155	Card velocity - Monthly - All transactions
`risky`	40160	Email velocity - Daily - Approved only
`risky`	40161	Email velocity - Daily - All transactions
`risky`	40162	Email velocity - Weekly - Approved only
`risky`	40163	Email velocity - Weekly - All transactions
`risky`	40164	Email velocity - Monthly - Approved only
`risky`	40165	Email velocity - Monthly - All transactions
`risky`	40170	IP velocity - Daily - Approved only
`risky`	40171	IP velocity - Daily - All transactions
`risky`	40181	Verified Info - Email
`risky`	40182	Verified Info - Address
`risky`	40183	Verified Info - Proxy
`risky`	40184	Verified Info - IP country in high risk country
`risky`	40185	Verified info - shipping country in high risk country
`risky`	40186	Verified Info - Billing country in high risk country
`risky`	40187	Verified Info - BIN country in high risk country
`fraud`	40201	Gateway reject - card number blacklist
`fraud`	40202	Gateway reject - IP address blacklist
`fraud`	40203	Gateway reject - email blacklist
`fraud`	40204	Gateway reject - phone number blacklist
`fraud`	40205	Gateway Reject - BIN number blacklist
`risky`	40210	Bin Velocity - Daily - Approved Only
`risky`	40211	Bin Velocity - Daily - All transactions
`risky`	40212	Bin Velocity - Weekly - Approved Only
`risky`	40213	Bin Velocity - Weekly - All transactions
`risky`	40214	Bin Velocity - Monthly - Approved Only
`risky`	40215	Bin Velocity - Monthly - All transactions
`risky`	40216	Billing Address Line 1 Velocity - Daily - Approved Only
`risky`	40217	Billing Address Line 1 Velocity - Daily - All transactions
`risky`	40218	Billing Address Line 1 Velocity - Weekly - Approved Only
`risky`	40219	Billing Address Line 1 Velocity - Weekly - All transactions
`risky`	40220	Billing Address Line 1 Velocity - Monthly - Approved Only
`risky`	40221	Billing Address Line 1 Velocity - Monthly - All transactions
`risky`	40222	Shipping Address Line 1 Velocity - Daily - Approved Only
`risky`	40223	Shipping Address Line 1 Velocity - Daily - All transactions
`risky`	40224	Shipping Address Line 1 Velocity - Weekly - Approved Only
`risky`	40225	Shipping Address Line 1 Velocity - Weekly - All transactions
`risky`	40226	Shipping Address Line 1 Velocity - Monthly - Approved Only
`risky`	40227	Shipping Address Line 1 Velocity - Monthly - All transactions
`risky`	40228	CardHolder Name Velocity - Daily - Approved Only
`risky`	40229	CardHolder Name Velocity - Daily - All transactions
`risky`	40230	CardHolder Name Velocity - Weekly - Approved Only
`risky`	40231	CardHolder Name Velocity - Weekly - All transactions
`risky`	40232	CardHolder Name Velocity - Monthly - Approved Only
`risky`	40233	CardHolder Name Velocity - Monthly - All transactions
`risky`	40234	UDF1 Velocity - Daily - Approved Only
`risky`	40235	UDF1 Velocity - Daily - All transactions
`risky`	40236	UDF1 Velocity - Weekly - Approved Only
`risky`	40237	UDF1 Velocity - Weekly - All transactions
`risky`	40238	UDF1 Velocity - Monthly - Approved Only
`risky`	40239	UDF1 Velocity - Monthly - All transactions

Any questions? Contact our support engineers. We're happy to talk it through!

$decline_category Guide