ENUM
Values
enum
Full amount approved.
enum
Partially approved. The transaction was approved for an amount less than the original request
because the cardholder’s account balance was insufficient to cover the full amount.
enum
Purchase amount approved, not cash.
enum
Point-to-Point Encryption (P2PE) success.
enum
Account Validated.
enum
Account verified. The necessary verification or return processing can proceed without encountering
any issues from the issuer or network’s perspective
enum
Contact issuer. The cardholder’s bank declined the transaction for a reason not provided by the
merchant. The problem is with the issuing bank, not the merchant or the terminal.
enum
Invalid account number. The card number entered is incorrect, does not exist, or is not valid for
the type of transaction being attempted.
enum
deprecated
Lost or stolen card.Deprecated: Deprecated. Use “D1046” (stolen card) and “D1045” (Lost card) instead.
enum
Frozen account.
enum
Generic decline. The cardholder’s issuing bank declined the transaction without providing a
specific reason.
enum
Insufficient funds. The cardholder’s account doesn’t have enough money or available credit to
cover the purchase.
enum
Expired card. The card used in the transaction has an expiration date in the past, indicating the
card is no longer valid.
enum
Stand alone refund not allowed.
enum
Declined due to suspected fraud.
enum
Maximum attempts exceeded.
enum
The card verification value (CVV2) entered during the transaction did not match the value on file
with the card issuer.
enum
Network System Error.
enum
Cardholder could not be authenticated.
enum
Cardholder authentication required.
enum
The issuing bank or the network switch couldn’t be reached to authorize the card, often due to
temporary system maintenance, technical glitches, or network issues
enum
Negative file match.
enum
Verification failed. The verification data provided during the authorization process did not match
the issuer’s records. This often indicates a mismatch in information like the cardholder’s billing
address, postal code, or CVC (card verification value).
enum
Pick up card. The issuing bank has declined the transaction and requested that the card be
retained by the merchant.
enum
Invalid Issuer. The payment network cannot identify the credit card issuer from the number
entered. This is typically due to human error, such as a mistyped card number, or an incorrect or
unrecognized card number.
enum
Transaction not permitted.
enum
Restricted card. The card is restricted from use in the current region or country.
enum
Transaction cannot be completed. The transaction was flagged as potentially violating legal
regulations, sanctions, or specific transaction restrictions
enum
Re-enter transaction. The transaction failed due to an unknown error or a temporary issue with the
authorization process, and did not provide a specific reason. The network recommends re-entering
the payment details and attempt the transaction again.
enum
Reversal Failed.
enum
No account.
enum
Invalid Pin.
enum
Exceeds withdrawal amount limit. The transaction’s amount is higher than the card issuer’s allowed
limit for that transaction, potentially due to a spending or daily withdrawal limit
enum
Exceeds withdrawal frequency limit. The cardholder has performed too many transactions or cash
withdrawals within a specified time period
enum
Response received late.
enum
Chip failure.
enum
Terminal out of balance. Contact Tesouro.
enum
Failed velocity check.
enum
System unavailable.
enum
Customer cancellation.
enum
Multi-currency dynamic currency conversion failure.
enum
Multi-currency invert failure.
enum
Dynamic currency conversion completed. No auth performed.
enum
Preferred debit routing denial, process credit as debit.
enum
Stop payment. The cardholder has instructed their issuing bank to halt the payment(s) from the
specific merchant or card number, and the transaction should not be reattempted by the merchant.
enum
Revocation of auth order.
enum
Revocation of all auth orders.
enum
Invalid routing number.
enum
Invalid amount. There was a problem with the transaction amount or how currency conversion was
handled.
enum
Lost card. The card being used for a transaction has been reported as lost.
enum
Stolen card. The card being used for a transaction has been reported as stolen.
enum
3D Secure required. The card issuer needs a Strong Customer Authentication (SCA) to verify the
cardholder’s identity for the transaction
enum
No action taken. The transaction was declined by the card issuer, but with no specific reason or
corrective action provided, possibly due to a system error, communication failure, or an
unidentified issue with the transaction itself.
enum
No credit account. The card number used is not linked to a valid credit account.
enum
No checking account. The debit card used is not linked to an active checking account.
enum
No savings account. The card used is not linked to an active savings account.
enum
Closed account. The cardholder’s account has been closed by the issuer or the cardholder, or
there’s a validation issue preventing the transaction from being approved.
enum
Invalid merchant. There was a problem with the acceptor’s account or the way the transaction was
submitted, preventing the card issuer from recognizing it.
enum
Invalid transaction. A general error indicating the transaction could not be processed because of
an error in the transaction details or a restriction on the card or merchant account.
enum
Transaction not permitted to cardholder. The card used is restricted from the type of purchase,
acceptor, or location. Examples include security restrictions on the card, such as foreign
transactions, or specific card settings prohibiting online purchases, ATM withdrawals, or large
purchases.
enum
Transaction not allowed at terminal. The payment terminal itself is not set up to process the type
of transaction being attempted, or the merchant account is misconfigured, preventing the
transaction.
enum
Blocked by issuer. The card issuer has blocked the transaction because it is not supported by the
card type or the transaction itself is not supported by the issuer.
enum
Potential AML risk. The transaction triggered anti-money laundering (AML) controls, indicating a
potential issue with illegal activity.
enum
PIN entry failed. The PIN data is missing, invalid, not verified, or the PIN was denied.
enum
Blocked by cardholder. The cardholder has placed a block on their own card, or the card is blocked
by the cardholder’s instruction to the bank.
enum
Surcharge not permitted. A surcharge amount is not permitted on the transaction.
enum
Cash service failed. The issuing bank, for various reasons, is unable to authorize the cash
advance or ATM withdrawal requested.
enum
Authentication failed. Unable to verify the cardholder’s identity, which can be caused by
incorrect details entered, a technical glitch during PIN verification, or issues with the
authentication process itself.
enum
Invalid MCC. The merchant category code (MCC) used for a transaction is either incorrect, doesn’t
match the merchant’s business type, or is being used in a way that violates network rules.
enum
Unsolicited reversal. The acceptor tried to reverse a transaction but there was no matching
original authorization recorded in the issuer’s history.
enum
Already reversed. The original transaction has already been reversed, canceled or undone by the
payment network. This code isn’t a decline in the traditional sense; it’s a system response
indicating the transaction is no longer valid because it’s already been handled.
enum
Reversal not needed. A reversal was attempted, but because the original transaction declined, no
reversal of funds is needed.
enum
Financial institution not found. The payment gateway or processing network is unable to forward
the transaction to its intended destination, such as the card-issuing bank or another financial
network
enum
Duplicate transaction. The card issuer detected that the same transaction was submitted more than
once with the same tracing data.
enum
System malfunction. A technical issue occurred within the processing network or card issuer’s
bank.
enum
First use of card blocked. The transaction failed because it’s a new card being used for the first
time, and the card issuer has put a security block in place to prevent fraud until the cardholder
verifies their identity and activates the card
enum
Acceptor not registered for account updates
enum
System error, call Tesouro.
enum
Network timeout.
enum
Request field failed validation.
enum
Acceptor not found.
enum
Referenced payment not found.
enum
Could not parse network response.
enum
Token not found.
enum
Acceptor not configured for any network this card can route through.
enum
Rule violation.
enum
Invalid token.
enum
Illegal transaction: The country code is on the Office of Foreign Assets Control (OFAC) sanctions
list.
enum
Accepted.
enum
No updates found.
enum
Change in account number.
enum
Change in expiration date.
enum
Closed account.
enum
Contact cardholder.
enum
Non-participating issuing bank.