Why Does Credit Card Online Payment Says an Unexpected Error Occured. Try Again in a Few Minutes.

Did your credit card get declined when you tried to use it?

Are you wondering if the reason for your blocked transaction was considering yous're out of funds or for location restrictions? Or something else?

With this list of credit card declined codes, you can determine the source of the trouble.

In this article, nosotros'll help you figure out exactly what'south going on with your (or your customer'south) credit card and why the transaction didn't go through. We'll cover all standard — and less common — credit card declined codes in detail, including what they mean and what y'all should do about each one.

Let's get!

Bank check Out Our Video Guide With a Complete List of Credit Carte Declined Codes Explained

What Is a Credit Card Decline Code?

A credit carte decline code is the code that appears on a credit menu processor when a transaction, or payment, has been declined.

If yous're in a store and tin't get your credit card to work, you and the vendor will get an fault that can direct you to what went wrong.

You can also become error codes when trying to make online purchases.

Case of a declined online credit menu purchase (Source: SmarterQueue.com)

This tin happen whenever a transaction is stopped by the vendor, depository financial institution, or card issuer.

When you take this issue, you lot'll go a short mistake message of 1 to 3 numbers (or letters, in some cases).

This error bulletin is what's known equally a credit decline code. The code can explicate what the actual issue is… as long every bit you know what it means.

Get-go, we'll comprehend some of the most common reasons a card is declined — and the relevant codes associated with them — before doing a deep dive into all potential credit card pass up codes.

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Most Common Reasons a Bill of fare Is Declined

Commencement off, let's showtime past covering a few common reasons that a transaction might be declined.

The problem can exist something as simple as the payment processor struggling with your card, bereft funds, or an electronic issue connecting with your banking concern or credit card company.

Some of the most common carte du jour decline reasons include:

• Credit carte du jour verification error (Code CV): There could be an issue with your card's microchip or magnetic strip, making it impossible to use for transactions.
• Insufficient funds (Code 51): You lot don't take enough money in the accounts associated with your card (both credit and debit cards).
• Exceeded credit limit (Code 65): Even if you accept money in your accounts, y'all need to pay it down if y'all've exceeded the credit limit for the card before you can employ it again.
• Expired card (Code 54): All credit cards have an expiration engagement, and trying to utilize a card after that date will give you an mistake message.
• Transaction not permitted (Lawmaking 57): This occurs when you endeavor to use your card for a transaction that is not allowed (for example, if you lot've blocked online transactions or international payments).
• Wrong menu number (Codes 14 & fifteen): In that location are ii wrong ways to enter the carte du jour number improperly. If the very first digit is incorrect, yous'll come across error code 15 for "no such issuers" since the first digit pinpoints the card'southward issuing banking concern. If you get whatsoever other incorrect numbers, yous'll become error code 14 for entering an invalid card number.
• Incorrect security code (Code 63): This occurs when yous type the 3-digit CVV or CVC code on the dorsum of your card or the 4-digit CID code on the front of your card incorrectly.

Examples of where to observe your CVV, CVC, or CID number (Source: LendingTree)

For many of these issues, y'all may also run into fault lawmaking 12 or error code 85. These simply announce an invalid transaction. Credit carte du jour issuing banks often use these ii errors every bit take hold of-all response codes, making it harder to know what'south incorrect.

You might have mistyped a credit card number, used the incorrect verification code, entered an invalid expiration date, or attempted something inherently incommunicable, similar trying to refund a refund.

If you didn't run across your fault code in this section, you could scan the table below, which includes over 50 credit carte decline codes in numerical order, along with details equally to why each lawmaking happens and how to fix the problem.

Complete List Credit Card Declined Codes

This table includes a list of all credit card fault codes, exactly what they hateful (the actual trouble), and how to ready them.

Code	Label	The Problem	The Fix
01	Refer to issuer	The issuing bank (Mastercard, Visa, Discovery, etc.) prevented the transaction without a specific reason.	Call the depository financial institution and inquire them to explain the issue.
02	Refer to issuer (special condition)	The customer's banking company prevented the transaction (like to code 01).	Utilize the number on the card to call the bank and inquire for an caption.
04	Pick up card, concord call (no fraud implied)	The customer's depository financial institution prevented the transaction and is besides telling the merchant to concur the menu. This doesn't imply fraud, simply rather overdrawn cards or expired ones.	Telephone call the bank to ask why the pick-up notice is showing upwards for your credit card.
05	Do not honor	The customer'southward bank stopped the transaction and told the merchant to "not honor" the card (not to take payment).	Call the bank and inquire for an caption.
06	Other fault	The issuing depository financial institution tin can't specify the error, but something went wrong with the transaction.	Attempt again, and call the bank if the issue persists.
07	Selection up card, special condition (fraudulent)	The customer'southward bank stopped the transaction because the carte du jour or bank account has been flagged as fraudulent.	If you're the customer, call the bank immediately to clear up any potential issues. If you're the merchant, withhold the card until y'all can gain confirmation from the banking company and customer about their identity and the card's legitimacy.
ten	Partial approval	The issuing bank accepts a part of the payment but blocks the rest, typically due to exceeding the credit limit or funds in the business relationship.	Call the banking company to articulate up the consequence (and pay down your credit if the credit limit is the event).
12	Invalid transaction	The transaction attempted is invalid. This could be due to any number of faulty operations, including trying to refund a refund.	Before you call the depository financial institution, restart the transaction from scratch, and make sure all the information entered is correct.
13	Invalid amount	The amount you lot entered for the transaction was invalid, usually due to a non-numerical symbol being entered forth with the corporeality (e.yard., a dollar sign).	Simply kickoff the transaction over again and be careful to avoid using symbols when typing the amount.
xiv	Invalid card number	The menu number is invalid, and the credit bill of fare processor can't find the related account.	Start the transaction over once more, and be careful to enter the digits accurately. If the issue persists, call the issuing bank.
15	No such issuer	The first digit, which identifies the bill of fare's issuing bank, was wrong. (Credit card-issuing banks have their own unique code that starts with the first digit — 3 for American Limited, iv for Visa, v for Mastercard, or vi for Discover.)	Carefully type the credit card number once again, making sure to include the showtime digit correctly.
xix	Re-enter	An unknown error occurred.	Restart the transaction and be conscientious to enter all the information correctly. If the issue persists, telephone call the card issuer.
28	No respond/response	An fault occurred during the transaction without the reason specified.	Restart the transaction and be careful to enter all the information correctly. If the issue persists, call the card issuer.
41	Lost card, selection up	The bill of fare's legitimate owner has reported it lost or stolen, and so the carte issuer has denied the transaction.	If it'south your own carte, y'all need to call the bank right away. If you lot're the merchant, enquire the customer to use an alternating card or contact their bank.
43	Stolen bill of fare, pick upward (fraud business relationship)	The legitimate possessor has reported the bill of fare as stolen, so the card issuer denied the transaction.	If information technology'south your ain menu, you need to call the bank ASAP with the number on the dorsum of the card. If you're the merchant, ask them to utilise an alternating card or contact their bank.
51	Insufficient funds	The carte du jour issuer is blocking the transaction because the business relationship has already exceeded the credit limit, or the pending transaction would put the bill of fare over.	Contact the banking company with the number on the back of the card, use online banking to transfer funds to the menu, or utilise an alternate card.
54	Expired bill of fare	The expiration date has already passed.	Employ a credit card that is even so valid. (If you only accept i, the new card should typically accept arrived in the mail before the quondam ane expires, and so be sure to contact the banking company.)
57	Transaction not permitted – Card	This code shows up when you're trying to apply a card for a transaction that'south specifically non immune, like transferring funds to a foreign merchant account.	Utilize an alternating card without such limitations, or call the issuing banking concern to articulate up whether you take the option to allow such transactions.
58	Transaction not permitted – Terminal	If the merchant business relationship connected to the final or payment processor is not properly configured, you'll see this error.	The merchant needs to call their banking company to clear things upwardly. If you lot're the client, use an alternate payment method, like greenbacks or bank check.
62	Invalid service code, restricted	The invalid service lawmaking tin refer to ii specific situations.1: You're trying to process an American Express or Discover menu, but the system doesn't support those card issuers. two: Y'all tried to pay for online buy with a card that doesn't support online payments.	Try a credit card from a unlike issuer, similar Visa. If the merchant advertises accepting payments from your card issuer, you need to contact the bank to ask about your card's configuration for online payments.
63	Security violation	The iii-digit CVV2 or CVC or the four-digit CID security code was incorrect or wasn't read properly.	Restart the transaction from scratch and carefully type the correct security lawmaking.
65	Activity limit exceeded	The credit card user has exceeded the credit limit (or this transaction would put them over).	Apply another credit bill of fare. If you have no other cards, you lot can use online or telephone cyberbanking to pay downwardly the card before you try it again.
85 or 00	Issuer arrangement unavailable	This error lawmaking shows up when there'southward a temporary communication error between the merchant and the issuing banking company.	Wait a few moments, and so start the transaction over from scratch.
85	No reason to decline	The issuing bank can't identify a specific trouble, only the transaction yet didn't get through.	Get-go the transaction again from scratch, and if the issue persists, call the issuing bank.You lot can likewise try using some other credit card to run across if the effect is merchant-specific.
91	Issuer or switch is unavailable	The terminal or payment processor was unable to complete the payment authorization.	Beginning the transaction from scratch, and if the problem persists, phone call the issuing bank.
92	Unable to route transaction	The terminal cannot reach the card issuer to procedure the transaction.	Look a few minutes and endeavour over again. If the issue persists, contact your bank.
93	Violation, cannot consummate	The issuing depository financial institution has recognized (or has been informed of) a legal violation on the part of the credit card user, and assets accept been frozen.	If yous mistakenly get this error lawmaking, call the issuing depository financial institution right away to clear upward any bug.
96	System error	At that place'south a temporary issue with the payment processor.	Restart the transaction. If the outcome persists, effort another credit card.If nothing works, it'due south likely an issue with the merchant'due south payment processor.
RO or R1	Client requested stop of specific recurring payment	Your customer has specifically asked to stop the recurring payment you're trying to process.	First, cancel all scheduled futurity payments to avoid chargebacks and related fees.If the client is in alienation of contract, you'll need to get in touch with them to clear things upwardly.
CV	Card blazon verification mistake	The bill of fare reader had a problem verifying the card. This could be an issue with the microchip or the magnet strip.	Try the age-old trick of wiping the credit card against your shirt and advisedly swiping it again.If that doesn't work, primal in the number or contact the issuing bank.
W1, W2, W9	Error connecting to bank	This can happen because of a power or service outage.	Wait for the power to come back on, or await for news of local outages that might affect you.If there isn't any credible reason, contact your merchant bank.

Error Codes for Fraud

Whether you're a merchant or a cardholder, the worst-case scenario is when you lot get an fault code for fraud.

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As a merchant, you want to avert chargebacks and related fees and damages. As a cardholder, y'all obviously don't want to take someone else using your card at volition.

But credit carte du jour fraud is a lot more common than y'all might think. In 2019, there were 271,823 cases of credit card fraud in the The states alone.

2019 US credit card fraud cases (Source: The Ascent)

With hundreds of thousands of instances of credit carte du jour fraud each year, y'all need to exist on the lookout for customers who aren't the real owners of the cards they're using. You besides demand to exist vigilant and enlightened of how your own cards are existence utilized.

Here are all the credit card turn down codes associated with fraud:

• Code vii — Pick up the card, special condition (fraud account): The card issuer has flagged the business relationship for fraud and therefore denied the transaction.
• Code 41 — Lost carte du jour, pick up (fraud account): The existent owner reported this card as lost or stolen, and the card issuer has blocked the transaction.
• Code 43 — Stolen card, choice up (fraud account): The possessor has reported the card stolen, and the issuing bank has blocked the transaction.
• Code 215 — Lost/stolen card: The existent cardholder has reported the card as lost or stolen, and the card issuer blocks the transaction.
• Code 534 — Do not honor, high fraud: The transaction failed PayPal or Google Checkout take chances modeling.
• Code 596 — Suspected fraud: Again, the card issuer suspects fraud and has blocked the transaction.

Note: If you have payments online and you're worried about fraud and chargebacks, we've written a guide on how to reduce credit bill of fare fraud by up to 98%.

What Practice I Do if My Credit Menu Is Declined?

The first matter you should practice when your credit card is declined is to wait for the error code (or write it down if you lot're using the payment processor yourself).

And so, check if the issue with your credit menu/account or with the merchant'southward terminal.

Finally, yous must have the appropriate action required to solve that particular outcome. That could be restarting the transaction, typing in everything advisedly, calling the bank, or trying another bill of fare.

Troubleshooting boils down to a simple three-step procedure:

1. Ask for the declined code.
2. Learn the significant of the lawmaking.
3. Have appropriate action (usually calling the issuing depository financial institution or trying another credit card).

You may think that y'all've got your funds in order or that your credit card limit hasn't been met, only information technology never hurts to bank check with the bank.

Most of us have multiple cards, and it tin be hard to keep rails of them all. At that place are over one billion credit cards in employ in the Usa alone.

Graph of the number of credit cards in the US and in the earth (Source: Shift)

So if you ever get an fault code when using ane of your cards, avoid moving straight to using the next card. Start, make sure you contact the banking company to find out the real situation.

You don't want to get hit with unnecessary overdraft or late payment fees, or a nasty surprise beak later you've been the victim of fraud.

Credit Card Declined Codes FAQs

Are you lot nonetheless dislocated about the error codes? Check out these ofttimes asked questions.

Why Is My Credit Carte du jour Declined When I Have Money?

There are a number of reasons why your credit carte du jour might be declined, even though y'all take coin in your account:

• Y'all might have exceeded your credit limit. Unless you've fix automatic payments, you must clear your credit card debt before you can use it once again.
• You could be trying to use a credit card for a transaction it's not canonical for, similar online payments or payments in a foreign land.
• Your credit card number may take been flagged for fraud.
• You may have typed in your credit carte du jour number, CVV2 code, or Pin incorrectly.
• The result maybe with the merchant's terminal and non with your credit card at all.

What Does Credit Menu Lawmaking 51 Hateful?

The credit card declined code "51" means that you've exceeded your credit limit (if information technology's a credit carte) or run out of funds (if using a debit carte du jour).

Why Is My Card Declined When I Order Online?

Your credit carte du jour can be declined for 3 potential reasons: account settings, lack of funds, and inaccurate information.

1. Your credit card may non exist set up to handle online payments. Contact your bank to ostend whether this is the instance.
2. You may be entering the credit menu number, CVV2, CVC, CID, Pin, or name incorrectly.
3. You may not have plenty funds remaining in your account or have exceeded your credit limit.

Don't let these credit bill of fare codes end you (or your customers!) from making online transactions 🙅‍♀️ Learn what they mean & how to fix them here ⬇️ Click to Tweet

Summary

Whether it's your own credit card or a client's credit card that gets rejected, knowing the actual reason is crucial to deciding on the right response.

If you don't know which issue y'all're having, you might merely use another credit bill of fare and get on with your day. However, exercise caution at all times by monitoring your credit usage and protecting yourself from identity theft.

Hopefully, this list has helped you figure out what was going on with your credit card and has given y'all the knowledge needed to take advisable steps to fix the issue.

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Source: https://kinsta.com/blog/list-of-credit-card-declined-codes/