What is a decline?
A decline happens when the transaction fails. This can happen because of a number of reasons. See the table at the end of this page for some common decline codes and reasons.
You can find the decline codes in a transaction's webhook.
What happens when a payment is declined?
When a payment is declined by the payment processor, the user is sent back to your site where they are presented with a payment declined message. The user is then given the option to try again with a different payment processor.
The URL for the payment declined page is yourdomain.com/payment-declined
Decline codes
The following table contains the most common decline codes/reasons:
Code | Group | Reason | Customers Displayed Reason |
BE-100 | Transaction | Call | A: Transaction Denied By Bank |
BE-102 | Hard | Pickup Card |
|
BE-103 | Hard | Do Not Honor |
|
BE-110 | Transaction | No Action Taken |
|
BE-115 | Invalid | Incorrect Pin |
|
BE-116 | Hard | Service Not Available |
|
BE-118 | Hard | Security Violation |
|
BE-119 | Account | Activity Limit Exceeded |
|
BE-120 | Error | PIN Error |
|
BE-121 | Transaction | Already Reversed |
|
BE-122 | Invalid | Invalid Date |
|
BE-123 | Error | Encryption Error |
|
BE-124 | Account | Chargeback Not Available |
|
BE-126 | Error | Violation |
|
BE-129 | Error | AVS Mismatch |
|
BE-131 | Hard | Previously Charged Back |
|
BE-132 | Hard | Card Blocked |
|
BE-135 | Invalid | Invalid IP Address |
|
BE-136 | Invalid | Invalid Currency |
|
BE-137 | Transaction | Original Transaction Not Found |
|
BE-101 | Invalid | Invalid MID/TID | B: Bank Error |
BE-104 | Error | System Error |
|
BE-105 | Invalid | Invalid Transaction |
|
BE-106 | Error | Amount Error |
|
BE-112 | Hard | No Account |
|
BE-125 | Timeout | Issuing Bank Unavailable/Not Found |
|
BE-128 | Error | CVV2 Required |
|
BE-130 | Invalid | Invalid Field Provided |
|
BE-107 | Invalid | Invalid Credit Card | C: Invalid Credit Card Provided |
BE-108 | Error | No Such User |
|
BE-109 | Transaction | Re-Enter Transaction | D: Error Contacting Bank. Please Try Again later |
BE-111 | Timeout | Timeout |
|
BE-117 | Timeout | System Temporarily Unavailable |
|
BE-113 | Account | Insufficient Funds | E: Insufficient Funds |
BE-114 | Account | Expired Card | F: Card Expired |
BE-133 | Error | CVV2 Required | G: You must provide CVV2 to complete transaction type |
BE-134 | Transaction | Score Declined - By Vscrub | H: Card Declined at Pre-Auth SC |
BE-139 | Error | Multiple Submission - By Vscrub | J: You Have Submitted Too Many Times Today |
BE-138 | Error | Not Honored by Card Association | I: Transaction Refused by Issuing Bank |
BE-140 | Invalid | Invalid XML | K: System Error. Please Try Again |
BE-141 | Transaction | No Processors Available | L: Unable to Contact Bank |
BE-142 | Invalid | Invalid Setup | M: Card Processing Setup Incorrect for Client |
BE-143 | Account | Client Inactive | N: Client Inactive |
BE-144 | Hard | Card Not Accepted | O: The Card you are using is not accepted by this Client |
BE-145 | Transaction | Unable to Determine Transaction | P: Unable to determine transaction type |
BE-146 | Hard | Blocked Country | Q: We currently do not process for your banks bin |
BE-147 | Error | Account Length Error | HH: Account Length Error |
BE-148 | Timeout | Invalid Routing | II: Invalid Routing |
BE-149 | Account | Stop Recurring | JJ: Stop Recurring |
BE-150 | Transaction | Rejected | KK: Rejected |
BE-151 | Account | Client is Pending Approval | LL: Client is Pending Approval |
BE-152 | Transaction | Unable to Autheticate Card Holder | Cardholder |
BE-153 | Timeout | Communications Error |
|
BE-154 | Invalid | There are currently no supported processors for this transaction |
|
BE-155 | Invalid | Bad 900 Number | We are unable to process your transaction at this time |
BE-156 | Invalid | Transaction already exists pending Customer Call | We are unable to process your transaction at this time |
BE-157 | Invalid | Unbillable Consumer Phone Number | We are unable to bill the Telephone Number provided |
BE160 |
| Pre-paid cards not accepted for this account |
|
BE900/BE901 |
| Transaction Declined |
|
BE161 | BE161 | Forced validation required for this account |
|
BE162 | BE162 | Card by country validation required for this account |
|
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