Credit card error / decling codes

CODE

PROCESSOR

CUSTOMER DISPLAYED REASON

EXPLANATION

1

CCBill

Bank Decline

A bank decline means the issuing bank refused the transaction.
​

Common reasons:

Fix:

2

CCBill

Expired Card

An expired card error means the expiration date entered doesn’t match the bank’s records or the card is no longer valid.
​

Common causes:

Fix:

4

CCBill

Pickup card (lost or stolen)

Meaning: The issuing bank has flagged the card as lost, stolen, or otherwise restricted.
​
​Fix:
Customer should contact their bank for clarification
​
Use a different, valid payment card

5

CCBill

Do Not Honor

Meaning: The issuing bank refused the transaction but didn’t provide a specific reason.
​
​Possible causes:
- General bank decline
- Suspicion of fraud or unusual activity
- Bank restrictions on certain merchants or transaction types
​
​Fix:
- Ask the customer to contact their bank to approve the charge
- Suggest trying a different card or payment methodDo Not Honor

51

CCBill

Insufficient Funds

Meaning: The cardholder’s account does not have enough available funds to cover the transaction.
​
​Fix:
- Ensure sufficient funds are available
- Try again after depositing funds
- Use another card or payment method

54

CCBill

Expired Card

Meaning: The card’s expiration date is invalid or the card has expired.

Fix:

- Double-check the expiration date entered

- Use a valid, non-expired card

- Contact the issuing bank if unsure about the current expiry date

57

CCBill

Transaction not permitted – Card restricted

Meaning: The issuing bank has blocked the type of transaction being attempted (e.g., online, international, or merchant-specific restrictions).

Fix:

- Ask the cardholder to contact their bank to allow the transaction

- Suggest using another card or payment method

65

CCBill

Activity limit exceeded

Meaning: The cardholder has exceeded a withdrawal/transaction limit set by their bank (e.g., daily or monthly spending cap).

Fix:

- Ask the cardholder to contact their bank to lift or adjust the limit

- Retry the transaction later

- Use another card or payment method

93

CCBill

Transaction cannot be completed. Violation of law

Meaning: The issuing bank blocked the transaction because it considers it invalid under regulations, or it violates the bank’s policies.

Fix:

- Cardholder should contact their bank for clarification

- Try a different card or payment method

7

CCBill

Pickup card (special condition)

Meaning: The issuing bank has blocked the card, often due to it being reported lost, stolen, or restricted.

Fix:

- Cardholder should contact their bank for details

- Use a different, valid payment card

41

CCBill

Lost Card – Pickup Card

Meaning: The issuing bank has flagged the card as lost and blocked its use.

Fix:

- Cardholder should contact their bank immediately

- Use a different, valid card for the transaction

43

CCBill

Stolen Card – Pickup Card

Meaning: The issuing bank has reported the card as stolen and blocked its use.

Fix:

- Cardholder must contact their bank for assistance

- Use another valid card or payment method

R0 & R1

CCBill

Stop Payment Order

Meaning:

The cardholder has instructed their bank to stop recurring billing with this merchant.

R0: Customer requested to stop a single recurring payment.

R1: Customer requested to stop all recurring payments with the merchant.

Fix:

- The cardholder must contact their bank if this was done in error.

- Use another valid card or payment method if they wish to continue service.

12

CCBill

Invalid Transaction

The processor rejected the request because the submitted data was incorrect or incomplete.
​

Possible causes:

Fix / Next Steps:

13

CCBill

Invalid Amount

The transaction was declined because the purchase amount was missing, set to zero, or outside the allowed limits.
​

Causes:

Fix:

14

CCBill

Invalid Card Number (no such number)

The transaction was rejected because the credit/debit card number entered is not valid.
​

Causes:

Fix:

15

CCBill

No such issuer

The transaction was declined because the first digits of the card number (the BIN) don’t match any recognized card issuer.
​

Causes:

Fix:

19

CCBill

Re-enter transaction

This error means the processor couldn’t complete the authorization, usually due to a temporary communication or formatting issue.
​

Causes:

Fix:

28

CCBill

File update file locked out

This error means the update request couldn’t be processed because the file or subscription record is currently locked.
​

Causes:

Fix:

58

CCBill

Transaction not permitted to terminal

The card issuer blocked the payment because this type of purchase isn’t allowed for the card.

Causes:

Fix:

62

CCBill

Restricted card

The card issuer declined the payment because the card isn’t allowed for this type of merchant or transaction.

Causes:

Fix:

63

CCBill

Security violation

The card issuer declined the payment because the CVV/CVC security code didn’t match what they have on file.

Causes:

Fix:

91

CCBill

Issuer or switch is inoperative

This error means the card issuer’s system (or the network between CCBill and the issuer) was unavailable, so the payment couldn’t be authorized.

Causes:

Fix:

96

CCBill

System malfunction

Error 96: Transaction could not be processed due to a temporary issue with the card network, issuer, or processor.

Causes may include:

Fix:

CV

CCBill

Card Verification Error

The CVV/CVC security code you entered didn’t match what your bank has on file.

This can happen if:

What to do:

3

CCBill

Invalid merchant

This error means the merchant account details are invalid or not recognized by CCBill.

It can happen if:

Fix: The merchant should contact CCBill to confirm the account status and update the correct account/sub-account details in their payment settings.

6

CCBill

Error

Your bank has placed restrictions on this card, so the payment couldn’t go through.
This can happen if:

What you can do:

8

CCBill

Honor with identification

Your bank has requested extra identification before approving this transaction.

What you can do:

9

CCBill

Request in progress

“Request in Progress” means your payment is still being processed.
It’s a temporary status, not a decline. Usually, the bank just needs a little extra time to respond.

What to do:

10

CCBill

Approved for partial amount

CCBill Response: “Approved for Partial Amount”

What to tell the customer:

11

CCBill

Approved (VIP)

CCBill Response: “Approved (VIP)” ✅

👉 In short: “Approved (VIP)” = Approved Transaction 🎉

16

CCBill

Approved, update track 3

CCBill Response: “Approved, Update Track 3” ✅

👉 In short: “Approved, Update Track 3” = Approved Transaction 🎉

17

CCBill

Customer cancellation

CCBill Response: “Customer Cancellation”

👉 In short: “Customer Cancellation” = Signup not completed.

18

CCBill

Customer dispute

CCBill Response: “Customer Dispute” ⚠️Invalid response

🔹 What it means for you:

👉 In short: “Customer Dispute” = The bank reversed/contested the payment.

20

CCBill

Invalid response

CCBill Error: “Invalid Response” ⚠️

🔹 What to do:

👉 In short: “Invalid Response” = Bank reply unreadable, so the payment was not approved.

21

CCBill

No action taken

CCBill Response: “No Action Taken” ⚠️

🔹 What to do:

👉 In short: “No Action Taken” = Bank didn’t process, so the transaction fails.

23

CCBill

Suspected malfunction

CCBill Response: “Suspected Malfunction” ⚠️

🔹 What to do:

👉 In short: “Suspected Malfunction” = Bank system hiccup, payment not processed.

24

CCBill

File update not supported by receiver

CCBill Message: “File Update Not Supported by Receiver”

✅ In short: Your card is fine, but you’ll need to update it manually so rebills can continue.

25

CCBill

Unable to locate record on file

CCBill Message: “Unable to Locate Record on File”

✅ In short: The bank no longer recognizes this card, so the charge can’t go through.

26

CCBill

Duplicate file update record, old record replaced

CCBill Message: “Duplicate File Update Record, Old Record Replaced”

✅ In short: The card details were successfully updated, and billing will keep running smoothly.

27

CCBill

File update field edit error

CCBill Message: “File Update Field Edit Error”

✅ In short: The automatic update didn’t work — please update your card info yourself.

29

CCBill

File update not successful, contact acquirer

CCBill Message: “File Update Not Successful, Contact Acquirer”

✅ In short: The automatic update failed — you’ll need to update your card info yourself.

30

CCBill

Format error

The CCBill error “Format Error” means the bank couldn’t read the payment request, so it was declined.

31

CCBill

Bank not supported by switch

The CCBill error “Bank Not Supported by Switch” means the payment network can’t connect to the customer’s issuing bank.

🔹 Why it happens:

🔹 What it means for the customer:

✅ In short: The payment network can’t reach the bank, so the transaction is declined.

32

CCBill

Completed partially

The CCBill error “Completed Partially” means the bank only approved part of the charge (e.g., $20 of a $50 payment).

🔹 Why it happens:

🔹 How CCBill handles it:

🔹 What to tell the customer:

✅ In short: The bank approved only part of the amount, so CCBill declines the transaction.

33

CCBill

Expired card

The CCBill error “Expired Card” means the card is past its expiration date, so the bank won’t approve the charge. ❌💳

🔹 What it means:

🔹 What the customer should do:

🔹 For subscriptions:

✅ In short: “Expired Card” = The card is no longer valid; the customer needs to update their payment details.

34

CCBill

Suspected fraud

The CCBill error “Suspected Fraud” means the bank blocked the payment as potentially fraudulent. ❌🛡️

🔹 Why it happens: mismatched billing info, unusual/foreign charge, card reported lost/stolen, or bank restrictions.
🔹 What it means: the transaction is declined and retrying usually won’t work.
🔹 What the customer should do: contact their bank to clear the block or use another card/payment method.

✅ In short: The bank flagged the payment as fraud, so it was declined.

35

CCBill

Card acceptor contact acquirer

The transaction was declined because the bank requires extra verification.

🔎 Why it happens:

✅ Next steps:

36

CCBill

Restricted card

The card was declined because the bank placed restrictions on its use.

🔎 Why it happens:

✅ Next steps:

37

CCBill

Card acceptor call acquirer security

The bank declined the transaction because it flagged it as a potential security risk.

🔎 Why it happens:

✅ Next steps:

38

CCBill

Allowable PIN tries exceeded

The card was declined because the wrong PIN was entered too many times.

🔎 Why it happens:

✅ Next steps:

🔹 For merchants: No action needed — this is entirely on the issuer’s side.

39

CCBill

No credit account

The card was declined because the account type doesn’t support credit transactions.

🔎 Why it happens:

✅ Next steps:

40

CCBill

Requested function not supported

The transaction was declined because the card or issuer doesn’t support this type of transaction.

🔎 Why it happens:

✅ Next steps:

42

CCBill

No universal account

The card was declined because the account type doesn’t support this kind of transaction.

🔎 Why it happens:

✅ Next steps:

44

CCBill

No investment account

The card was declined because the account type linked to it doesn’t support this kind of purchase.

🔎 Why it happens:

✅ Next steps:

45/50

CCBill

Reserved for ISO use

This decline code is a generic placeholder set by the ISO (International Standards Organization).

🔎 What it means:

✅ Next steps:

52

CCBill

No checking account

The transaction was declined because the card is not linked to a checking account, so it isn’t valid for this type of purchase.

🔎 Why it happens:

✅ Next steps:

53

CCBill

No savings account

The transaction was declined because the card is tied to a savings account, which can’t be used for this type of purchase.

🔎 Why it happens:

✅ Next steps:

55

CCBill

Incorrect personal identification number

The transaction was declined because the PIN entered didn’t match the one on file with the bank.

🔎 Why it happens:

✅ Next steps:

56

CCBill

No card record

The transaction was declined because the bank couldn’t find the card number in their system.

🔎 Why it happens:

✅ Next steps:

59

CCBill

Suspected fraud

The transaction was declined because the bank flagged it as possible fraud.

🔎 Why it happens:

✅ Next steps:

60

CCBill

Card acceptor contact acquirer

The transaction was declined because the card isn’t allowed for this type of purchase.

🔎 Why it happens:

✅ Next steps:

61

CCBill

Exceeds withdrawal amount limit

The transaction was declined because it exceeded the cardholder’s spending or withdrawal limit.

🔎 Why it happens:

✅ Next steps:

64

CCBill

Original amount incorrect

The transaction was declined because the refund, reversal, or adjustment amount didn’t match the original transaction.

🔎 Why it happens:

✅ Next steps:

66

CCBill

Card acceptor call acquirer's security department

The transaction was declined because the bank flagged it as a security issue.

🔎 Why it happens:

✅ Next steps:

67

CCBill

Hard capture (requires that card be picked up at ATM)

The transaction was declined because the bank flagged the card and requested it be retained if used in person.

🔎 Why it happens:

✅ Next steps:

68

CCBill

Response received too late

The transaction was declined because the bank didn’t respond in time, and the request expired.

🔎 Why it happens:

✅ Next steps:

69/74

CCBill

Reserved for ISO use

This decline code is a generic placeholder under the ISO 8583 standard.

🔎 What it means:

✅ Next steps:

75

CCBill

Allowable number of PIN tries exceeded

The card was declined because the wrong PIN was entered too many times.

🔎 Possible causes:

✅ Next steps:

👉 Merchant note: No action required—this is entirely handled by the issuer.

90

CCBill

Cutoff is in process (switch ending a day's business and starting the next. Transaction can be sent again in a few minutes)

The transaction couldn’t be processed because the card issuer’s system was in daily update/maintenance mode.

🔎 Possible causes:

✅ Next steps:

👉 Merchant note: No action needed—this is on the issuer’s side.

92

CCBill

Financial institution or intermediate network facility cannot be found for routing

The transaction couldn’t be completed because the card issuer’s system or network was unavailable.

🔎 Possible causes:

✅ Next steps:

👉 Merchant note: No action needed unless many users report the same issue—then check with CCBill support.

94

CCBill

Duplicate transmission

The transaction was declined because it was flagged as a duplicate.

🔎 Possible causes:

✅ Next steps:

👉 Merchant note: Review your setup to avoid sending duplicate requests.

95

CCBill

Reconcile error

The transaction failed because the processor found mismatched details during authorization.

🔎 Possible causes:

✅ Next steps:

👉 Merchant note: Check your integration logs. If it repeats, contact CCBill support.

BE-102

CCBill

Pickup Card

The card was declined because it’s reported lost, stolen, or blocked by the bank.
If presented in person, the issuer would request it be confiscated.

🔎 Common causes

✅ Next steps

BE-103

CCBill

Do Not Honor

One of the most common card errors: a generic bank decline.

❌ What it means
The issuing bank refused the transaction without giving a specific reason — basically: “Do not approve this payment.”

🔎 Common causes

✅ Next steps

👉 As a merchant, there’s no technical fix — this decision is entirely up to the issuer.

BE-116

CCBill

Service Not Allowed

Means the issuing bank has blocked this type of transaction.

❌ What it means

- The card isn’t permitted for certain merchant categories (adult, subscription, or international services).

- The bank has disabled the card for online or recurring payments.

- Often happens with prepaid, debit, or regional cards that have restrictions.

🔎 Common causes

- Customer’s bank policy forbids this kind of purchase.

- The card is restricted to domestic only use, and your business is classified as international.

- The cardholder didn’t activate/enable e-commerce transactions.

✅ Next steps

- Suggest the customer use a different card (credit cards generally have fewer restrictions).

- Advise them to contact their bank and request online/recurring/merchant category access if available.

- If they have another payment option (PayPal, alternative billing), recommend that.

BE-146

CCBill

Blocked Country (CCBill)

❌ The transaction was blocked because the cardholder’s country is not allowed by the issuer or CCBill’s compliance rules.

🔎 Common causes

✅ Next steps

👉 As a merchant, no action is required — this is a compliance restriction.

BE-132

CCBill

Card Blocked (CCBill)

❌ The card has been blocked by the issuer.
This means the bank has explicitly declined the transaction and instructed that the card should not be used.

🔍 Possible Causes

✅ Recommended Actions

For the Merchant:

For the Customer:

BE-112

CCBill

No Account

❌ The card number is not recognized by the issuer.
The number provided does not correspond to an active account in the card issuer’s system.

🔍 Possible Causes

✅ Recommended Actions

For the Merchant:

For the Customer:

BE-900-999

CCBill

System error, authorization not successful

❌ The payment couldn’t be completed due to a technical issue.

🔎 Causes

✅ Next Steps

BE-113

CCBill

Insufficient Funds

❌ Insufficient Funds
The account doesn’t have enough balance to complete the payment.

✅ Next Steps

BE-114

CCBill

Expired card

❌ Expired Card
The card is no longer valid because its expiration date has passed.

✅ Fix

BE-119

CCBill

Activity Limit Exceeded

❌ Transaction Limit Reached
The card/account has hit the maximum number of transactions allowed in a set time period.

🔎 Causes

✅ Next Steps
​For the Customer:

For the Merchant:

BE-107

CCBill

Invalid Credit card

❌ Invalid Card Number
The card number entered is not recognized by the issuer.

🔎 Causes

✅ Next Steps
​For the Customer:

For the Merchant:

BE-105

CCBill

Invalid Transaction

❌ Invalid Transaction Request
The issuer or processor rejected the request because it wasn’t valid.

🔎 Causes

✅ Next Steps
​For the Customer:

For the Merchant:

BE-130

CCBill

Invalid Field Provided

❌ Invalid or Incorrect Data
One or more fields in the payment request were entered incorrectly or formatted wrong.

🔎 Causes

✅ Next Steps
​For the Customer:

For the Merchant:

BE-101

CCBill

Invalid MID/TID

❌ Invalid Merchant or Terminal ID
The transaction was sent with a wrong or inactive merchant account or terminal ID.

🔎 Causes

✅ Next Steps
​For the Merchant:

For the Customer:

F440

Segpay

SPVelocity

The card number isn’t recognized by the bank — it may be expired, canceled, inactive, or entered incorrectly.

🔎 Next Steps
​For the Customer:

For the Merchant:

F451

Segpay

SPNegDB

❌ Invalid Card Expiration Date
The expiration date entered is incorrect or the card is expired.

🔎 Next Steps
​For the Customer:

For the Merchant:

F452

Segpay

SPNegDB

❌ Invalid Card Security Code (CVV/CVC)
The CVV/CVC entered doesn’t match what the bank has on file.

🔎 Next Steps
​For the Customer:

For the Merchant:

F453

Segpay

SPNegDB

❌ Invalid Card Number / Card Not Supported
The card number is invalid, not recognized by the bank, or the card type isn’t supported.

🔎 Next Steps
​For the Customer:

For the Merchant:

F455

Segpay

SPNegDB

❌ Invalid / Unsupported Card Type
The card isn’t supported by Segpay or the merchant account. Some debit, prepaid, or regional cards may be restricted.

🔎 Next Steps
​For the Customer:

For the Merchant:

F456

Segpay

SPNegDB

❌ Card Restricted / Not Allowed for This Transaction
The card issuer blocked this card for the type of transaction being attempted. This can include online, recurring, adult, or geographically restricted payments.

🔎 Next Steps
​For the Customer:

For the Merchant:

F457

Segpay

Dupe

❌ Card Restricted / Merchant Category Not Allowed
The card issuer blocked this card for purchases with certain merchant types, such as adult, online subscription, or high-risk merchants.

🔎 Next Steps
​For the Customer:

For the Merchant:

F458

Segpay

SPNegDB

❌ Card Restricted / Transaction or Merchant Type Not Allowed
The card issuer blocked this card for certain transaction types or merchant categories, such as adult content, online subscriptions, or high-risk merchants.

🔎 Next Steps
​For the Customer:

For the Merchant:

F460

Segpay

SPVelocity

❌ Card Declined / Do Not Honor
The issuer refused the transaction without giving a specific reason.

🔎 Next Steps
​For the Customer:

For the Merchant:

F461

Segpay

SPVelocity

❌ Card Declined / Insufficient Funds
The account doesn’t have enough balance to cover the payment.

🔎 Next Steps
​For the Customer:

For the Merchant:

F462

Segpay

SPVelocity

❌ Card Declined / Transaction Not Permitted
The issuer blocked this type of transaction due to restrictions on merchant category, geography, or card type.

🔎 Next Steps
​For the Customer:

For the Merchant:

F463

Segpay

SPVelocity

❌ Card Declined / Card Restricted
The issuer blocked the card for this type of transaction, often due to merchant category, online/recurring limits, or regional restrictions.

🔎 Next Steps
​For the Customer:

For the Merchant:

F464

Segpay

SPVelocity

❌ Card Declined / Card Not Allowed for This Merchant
The issuer blocked the card for use with this merchant, often due to merchant category, account restrictions, or unsupported card type.

🔎 Next Steps
​For the Customer:

For the Merchant:

F465

Segpay

SPVelocity

❌ Card Declined / Restricted Transaction
The issuer blocked the card for this type of transaction, often due to merchant category, online/recurring limits, or account restrictions.

🔎 Next Steps
​For the Customer:

For the Merchant:

F470

Segpay

SPNegDB

❌ Do Not Honor
The issuer declined the transaction without giving a reason, often due to suspected fraud, insufficient funds, or card restrictions.

🔎 Next Steps
​For the Customer:

For the Merchant:

F471

Segpay

SPNegDB

❌ Card Declined / Insufficient Funds
The account doesn’t have enough balance to cover the payment. Daily or transaction limits may also apply.

🔎 Next Steps
​For the Customer:

For the Merchant:

F481

Segpay

SPNegDB

❌ Card Declined / Transaction Not Permitted
The issuer blocked this type of transaction, often due to merchant category, online/recurring limits, or card/account restrictions.

🔎 Next Steps
​For the Customer:

For the Merchant:

F492

Segpay

MerchNegDB

❌ Card Declined / Card Restricted
The issuer blocked the card for this type of transaction, often due to merchant category, online/recurring limits, or regional restrictions.

🔎 Next Steps
​For the Customer:

For the Merchant:

F493

Segpay

SPNegDB

❌ Card Declined / Transaction Not Allowed
The issuer blocked the card for this type of transaction, often due to merchant category, online/recurring limits, or card/account restrictions.

🔎 Next Steps
​For the Customer:

For the Merchant:

F494

Segpay

SPNegDB

❌ Card Declined / Card Restricted
The issuer blocked the card for this type of transaction, often due to merchant category, online/recurring limits, or regional restrictions.

🔎 Next Steps
​For the Customer:

For the Merchant:

V3001

Segpay

SPVelocity

❌ Card Declined / Card Restricted
The issuer blocked the card for this transaction type, often due to merchant category, online/recurring limits, or regional restrictions.

🔎 Next Steps
​Customer:

Merchant:

V3002

Segpay

SPVelocity

❌ AVS Not Supported / No Match
The card issuer can’t verify the billing address, or AVS isn’t supported. This is a fraud-prevention check, not necessarily a card issue.

🔎 Next Steps
​Customer:

Merchant:

V3003

Segpay

SPVelocity

❌ Address Verification System (AVS) Mismatch – Postal Code / ZIP Incorrect

🔎 What it Means

The postal code or ZIP code entered does not match the one on file with the card issuer.

AVS is a fraud-prevention check; even a small difference can trigger this decline.

✅ Next Steps

For the Customer:

Verify that the billing postal code/ZIP code matches exactly what the bank has on file.

Correct any typos or missing digits.

Use a different card if the issue persists.

For the Merchant:

No technical action is required; this is issuer-side.

Advise the customer to confirm their billing postal code or try another card.

V3004

Segpay

SPVelocity

❌ AVS Mismatch – Street Address Incorrect
The street address entered doesn’t match the one on file with the card issuer. AVS checks help prevent fraud.

🔎 Next Steps
​Customer:

Merchant:

V3005

Segpay

SPVelocity

❌ AVS Mismatch – Street Address & Postal Code Incorrect
Both the street address and postal/ZIP code don’t match the card issuer’s records. AVS checks are used to prevent fraud.

🔎 Next Steps
​Customer:

Merchant:

V3006

Segpay

SPVelocity

❌ AVS Not Verified / System Error
The card issuer couldn’t complete the AVS check. This doesn’t necessarily mean the card is invalid.

🔎 Next Steps
​Customer:

Merchant:

V3007

Segpay

SPVelocity

❌ Address Verification System (AVS) Mismatch – Cardholder Name Does Not Match

🔎 What it Means

The cardholder name entered does not match the name on file with the card issuer.

AVS checks are used to prevent fraudulent transactions.

Even minor differences (e.g., initials, middle names, or spelling) can trigger this decline.

✅ Next Steps

For the Customer:

Verify that the billing name exactly matches what is on the card.

Correct any typos, initials, or formatting differences.

Use a different card if the issue persists.

For the Merchant:

No technical action is required; this is issuer-side.

Advise the customer to confirm their billing name or try another card.

V3008

Segpay

SPVelocity

❌ AVS Mismatch – Name & Street Address Incorrect
The cardholder name and street address don’t match the bank’s records. AVS helps prevent fraud.

🔎 Next Steps
​Customer:

Merchant:

V3009

Segpay

SPVelocity

❌ AVS Mismatch – Name & Postal/ZIP Incorrect
The cardholder name and postal/ZIP code don’t match the bank’s records. AVS helps prevent fraud.

🔎 Next Steps
​Customer:

Merchant:

V3010

Segpay

SPVelocity

❌ AVS Mismatch – Name, Address, and Postal/ZIP Code Incorrect

🔎 What it Means
The billing name, street address, and postal/ZIP code entered don’t match the information on file with the card issuer. AVS checks help prevent fraudulent transactions.
​

✅ Next Steps

For the Customer:

For the Merchant:

V3011

Segpay

SPVelocity

❌ AVS Mismatch – Partial Match

🔎 What it Means
Some billing details (name, address, or postal/ZIP code) don’t fully match what the card issuer has on file. AVS checks help prevent fraud, and partial mismatches can cause declines.

✅ Next Steps

For the Customer:

For the Merchant:

V3012

Segpay

SPVelocity

❌ AVS Not Supported / Not Available

🔎 What it Means
The card issuer doesn’t support AVS, or the system couldn’t verify the billing address. This is common with international cards or temporary bank issues.
​

✅ Next Steps

For the Customer:

For the Merchant:

ERR301

Segpay

Invalid Card Number

🔎 What it Means
The card number isn’t recognized by the issuing bank. This may be due to a typo, an expired/canceled card, or an unsupported card type.

✅ Next Steps

For the Customer:

For the Merchant:

ERR302

Segpay

Invalid Card Expiration Date

🔎 What it Means
The expiration date entered is incorrect or the card has expired.
​

✅ Next Steps

For the Customer:

For the Merchant:

ERR303

Segpay

Invalid Card Security Code (CVV/CVC)

🔎 What it Means
The CVV/CVC entered doesn’t match what the bank has on file. This may be due to a typo, using the wrong code, or too many failed attempts.
​

✅ Next Steps

For the Customer:

For the Merchant:

ERR304

Segpay

Insufficient Funds

🔎 What it Means
The cardholder’s account doesn’t have enough balance to complete the transaction, or the bank has set limits that block it.
​

✅ Next Steps

For the Customer:

For the Merchant:

ERR305

Segpay

Card Restricted / Transaction Not Allowed

🔎 What it Means
The bank has blocked this card for the attempted transaction. This may be due to merchant category restrictions (e.g., adult/high-risk), online or international limits, or account-level rules.
​

✅ Next Steps

For the Customer:

For the Merchant:

ERR306

Segpay

Card Expired

🔎 What it Means
The card is no longer valid because it has passed its expiration date.
​

✅ Next Steps

For the Customer:

For the Merchant:

ERR307

Segpay

Card Restricted / Not Allowed for This Transaction

🔎 What it Means
The bank has blocked the card from being used for this type of purchase. This may be due to merchant category rules (e.g., adult/high-risk), online or international limits, or issuer-specific restrictions.
​

✅ Next Steps

For the Customer:

For the Merchant:

ERR308

Segpay

Card Lost or Stolen

🔎 What it Means
The bank has blocked this card because it was reported lost or stolen. Transactions with it won’t be approved until resolved with the issuer.
​

✅ Next Steps

For the Customer:

For the Merchant:

ERR309

Segpay

Card Restricted / Cardholder Not Authorized for This Transaction

🔎 What it Means
The bank has blocked the card from being used for this type of purchase. This may be due to merchant category restrictions (e.g., adult/high-risk), online or international limits, or cardholder-specific rules from the issuer.
​

✅ Next Steps

For the Customer:

For the Merchant:

ERR310

Segpay

Card Not Supported / Card Type Not Accepted

🔎 What it Means
The card isn’t supported by Segpay or the merchant. This may happen with certain card types (e.g., prepaid, debit) or with international cards blocked for cross-border use.
​

✅ Next Steps

For the Customer:

For the Merchant:

3

Segpay

Invalid Merchant

🔎 What it Means
The issuing bank or Segpay system does not recognize the merchant ID or configuration. This is not related to the customer’s card details but to the merchant’s account setup.

✅ What to Do

For the Merchant:

For the Customer:

4

Segpay

Pick Up Card / Do Not Honor

🔎 What it Means The card issuer has declined the transaction. “Pick Up Card” usually indicates a permanent decline, meaning the card cannot be used.
​
​Common causes: Card reported as lost or stolen. Card closed or blocked by the issuer. Issuer refuses to authorize the transaction without giving a reason.
​
​✅ Next Steps For the Customer: Use a different card. Contact the bank/issuer for clarification.
​
​For the Merchant: No technical action is required; this is issuer-controlled. Advise the customer to use an alternative card.

7

Segpay

Pickup card, special conditions

🔎 What it Means
The bank has declined the transaction. This code often means the card was reported lost/stolen, closed, blocked, or the issuer refused the transaction without giving details.
​

✅ Next Steps

For the Customer:

For the Merchant:

12

Segpay

Invalid transaction

🔎 What it Means
The card issuer did not approve the transaction. This can be due to suspected fraud, restrictions on the card, or a general issuer decline without details.
​

✅ Next Steps

For the Customer:

For the Merchant:

15

Segpay

Invalid Card / No Such Issuer

🔎 What it Means
The card number isn’t recognized by the issuer. This can happen due to a typo, an expired or inactive card, or a card type not supported by the merchant/processor.
​

✅ Next Steps

For the Customer:

For the Merchant:

41

Segpay

Pickup card lost card

🔎 What it Means
The card has been reported as lost to the issuing bank. Any transactions with it will be declined until the cardholder resolves the issue with their bank.
​

✅ Next Steps

For the Customer:

For the Merchant:

43

Segpay

Pickup card stolen card

🔎 What it Means
The card has been reported stolen to the issuing bank. Transactions with this card will be declined until the cardholder resolves the issue with their bank.
​

✅ Next Steps

For the Customer:

For the Merchant:

57

Segpay

Transaction not permitted to cardholder

🔎 What it Means
The cardholder is not permitted to complete this type of transaction.

Common causes include:

✅ Next Steps

For the Customer:

For the Merchant:

62

Segpay

Restricted card

🔎 What it Means
The card has been restricted by the issuing bank and cannot be used for this transaction.

Common reasons:

✅ Next Steps

For the Customer:

For the Merchant:

78

Segpay

Blocked Card / Issuer Restriction

🔎 What it Means
The card has been blocked by the issuing bank and cannot be used for this transaction.

Common reasons:

✅ Next Steps

For the Customer:

For the Merchant:

93

Segpay

Transaction cannot be completed

🔎 What it Means
The card issuer has declined the transaction because it violates cardholder or issuer rules.

Common reasons:

✅ Next Steps

For the Customer:

For the Merchant:

R0

Segpay

Transaction Declined – No Reason Given

🔎 What it Means
The card issuer has declined the transaction without specifying a reason.

Common causes:

✅ Next Steps

For the Customer:

For the Merchant:

R1

Segpay

Revocation of authorization order

🔎 What it Means

The card issuer requires additional verification before approving the transaction.

Common causes:

Suspected fraudulent activity.

Transaction exceeds a limit or threshold set by the bank.

Bank wants to manually review the transaction.

✅ Next Steps

For the Customer:

Contact their bank/issuer to authorize or verify the transaction.

Try using a different card if the bank cannot approve immediately.

For the Merchant:

No technical action is required; this is issuer-controlled.

Advise the customer to contact their bank or try another card.

R3

Segpay

Revocation of all authorization

🔎 What it Means
The cardholder or bank has canceled all recurring payment authorizations. This card can’t be used for future recurring charges.

✅ Next Steps

For the Customer:

For the Merchant:

19

Segpay

Re-Enter Transaction

🔎 What it Means
A temporary issue or processing error prevented the transaction.

✅ Next Steps

For the Customer:

For the Merchant:

51

Segpay

Insufficient Funds

🔎 What it Means
The cardholder doesn’t have enough funds or credit to complete the transaction.

✅ Next Steps

For the Customer:

For the Merchant:

59

Segpay

Suspected Fraud

🔎 What it Means
The card issuer flagged the transaction as possible fraud.

✅ Next Steps

For the Customer:

For the Merchant:

61

Segpay

Exceeds Withdrawal/Transaction Limit

🔎 What it Means
The transaction exceeds the cardholder’s spending or withdrawal limit.

✅ Next Steps

For the Customer:

For the Merchant:

65

Segpay

Exceeds Spending Limit

🔎 What it Means
The cardholder’s transaction was declined because it went over their available balance or set spending limit.

✅ Next Steps
​Customer: Check balance or credit limit, wait for reset, or use another card.
​Merchant: No action needed—advise the customer to try a different payment method.

75

Segpay

PIN Tries Exceeded / Card Locked

🔎 What it Means
The card was declined because the wrong PIN was entered too many times or the bank locked the card.

✅ Next Steps
​Customer: Contact the bank to unlock the card or reset the PIN, or use another card.
​Merchant: No action needed—advise the customer to reach out to their bank or try a different card.

86

Segpay

Cannot Verify PIN / Authorization Failed

🔎 What it Means
The card issuer couldn’t verify the PIN or the authorization failed.

Common causes:

✅ Next Steps
​Customer: Double-check the PIN and try again. If it continues, contact the bank or use another card.
​Merchant: No action needed—advise the customer to retry or use a different payment method.

91

Segpay

Issuer or Network Unavailable

🔎 What it Means
The bank or payment network couldn’t be reached to process the transaction.

Common causes:

✅ Next Steps
​Customer: Wait a few minutes and try again, or use another card.
​Merchant: No action needed—advise the customer to retry or use a different payment method.

96

Segpay

Issuer or Switch Inoperative / Unable to Process

🔎 What it Means
The card issuer or payment network couldn’t be reached to authorize the transaction.

Common causes:

✅ Next Steps
​Customer: Wait a few minutes and try again, or use another card if the issue continues.
​Merchant: No action required—advise the customer to retry or use a different payment method.

N3

Segpay

Cash Service Not Allowed

🔎 What it Means
The card issuer does not permit cash-related transactions with this card.

Common causes:

✅ Next Steps
​Customer: Use the card only for standard purchases, or try another card for cash services.
​Merchant: No action needed—advise the customer to use a different card or adjust the transaction type.

N4

Segpay

Restricted Card / Merchant Not Allowed

🔎 What it Means
The bank has restricted this card from being used with this merchant or type of transaction.

Common causes:

✅ Next Steps
​Customer: Try another card that supports this type of purchase or contact the bank for details.
​Merchant: No action needed—advise the customer to use a different payment method.

14

Segpay

Restricted Card / Merchant Not Allowed

🔎 What it Means
The card issuer has blocked this card from being used with this merchant or type of transaction.

Common causes:

✅ Next Steps
​Customer: Use another card that supports this type of purchase, or contact the bank for clarification.
​Merchant: No action required—advise the customer to try a different payment method.

54

Segpay

Expired Card

🔎 What it Means
The card is no longer valid because its expiration date has passed.

✅ Next Steps
​Customer: Use a valid, active card and double-check the expiration date.
​Merchant: No action needed—advise the customer to provide a valid card.

55

Segpay

Incorrect PIN

🔎 What it Means
The entered PIN was incorrect, so the issuer declined the transaction.

Common causes:

✅ Next Steps
​Customer: Re-enter the correct PIN, or contact the bank to reset it. Use another card if needed.
​Merchant: No action required—advise the customer to retry with the correct PIN or a different card.

82

Segpay

CVV Verification Failed

🔎 What it Means
The transaction was declined because the card’s security value (CVV, CAM, dCVV, or iCVV) did not match what the issuer has on file.

Common causes:

✅ Next Steps
​Customer: Re-enter the correct CVV exactly as shown on the card. If the problem continues, contact your bank or try another card.
​Merchant: No action needed—this is issuer-controlled. Advise the customer to recheck the CVV or use a different payment method.

N7

Segpay

Invalid CVV

🔎 What it Means
The transaction was declined because the CVV (security code) was entered incorrectly or did not match the issuer’s records.

Common causes:

✅ Next Steps
​Customer: Re-enter the CVV exactly as shown on the card. If it still fails, contact your bank or try another card.
​Merchant: No action required—this is issuer-controlled. Advise the customer to check the CVV or use a different payment method.

14

Segpay

Invalid Card Number

🔎 What it Means
The card number entered is invalid or not recognized.

Common causes:

✅ Next Steps
​Customer: Recheck the card number and try again, or use another card.
​Merchant: No action needed—advise the customer to verify details or use a different payment method.

54

Segpay

Expired Card

🔎 What it Means
The transaction was declined because the card has passed its expiration date.

Common causes:

✅ Next Steps
​Customer: Use a valid card and check the expiration date carefully. Contact the bank for a replacement if needed.
​Merchant: No action required—advise the customer to use a valid, unexpired card.

3

Segpay

Invalid Merchant

🔎 What it Means
The transaction was declined because the merchant ID is invalid or not recognized by the card issuer.

Common causes:

✅ Next Steps
​Customer: Try again later or use a different payment method.
​Merchant: Contact CCBill support to verify your merchant account status.

13

Segpay

Invalid Amount

🔎 What it Means
The transaction was declined because the payment amount was invalid.

Common causes:

✅ Next Steps
​Customer: Recheck the transaction amount and try again, or use another payment method.
​Merchant: Verify the charge amount and ensure it meets processor and card issuer requirements.

57

Segpay

Transaction Not Allowed

🔎 What it Means
The transaction was declined because the card cannot be used for this type of purchase.

Common causes:

✅ Next Steps
​Customer: Contact your bank to check restrictions, or use another card that supports this type of purchase.
​Merchant: No action required—advise the customer to reach out to their bank or try a different payment method.

61

Segpay

Exceeds Withdrawal/Spending Limit

🔎 What it Means
The transaction was declined because the cardholder exceeded their spending or withdrawal limit.

Common causes:

✅ Next Steps
​Customer: Check your balance or credit limit, wait until the limit resets, or use another card.
​Merchant: No action required—advise the customer to try again later or use a different payment method.

62

Segpay

Restricted Card / Invalid Transaction

🔎 What it Means
The card issuer blocked the transaction because this type of purchase isn’t allowed with the card.

Common causes:

✅ Next Steps
​Customer: Try another card or contact your bank to enable online/merchant transactions.
​Merchant: No action required—this is issuer-controlled. Advise the customer to retry with a different card or payment method.

65

Segpay

Exceeds Withdrawal / Activity Limit

🔎 What it Means
The transaction was declined because the cardholder has reached their daily or transaction limit set by the bank.

Common causes:

✅ Next Steps
​Customer: Wait and try again later, or contact your bank to raise the limit. Use a different card if needed.
​Merchant: No action required—this is issuer-controlled. Advise the customer to retry later or use another payment method.

41

Segpay

Lost Card, Pickup Requested

🔎 What it Means
The transaction was declined because the card has been reported lost and is blocked by the issuer.

Common causes:

✅ Next Steps
​Customer: Contact your bank for a replacement card. Use another valid card for the transaction.
​Merchant: No technical action required—this is issuer-controlled. Advise the customer to use a different card.

43

Segpay

Stolen Card, Pickup Requested

🔎 What it Means
The transaction was declined because the card has been reported stolen and is blocked by the issuer.

Common causes:

✅ Next Steps
​Customer: Contact your bank immediately and request a replacement card. Use another valid card for payments.
​Merchant: No technical action required—this is issuer-controlled. Advise the customer to use a different card.

55

Segpay

Incorrect PIN

🔎 What it Means
The transaction was declined because the PIN entered was incorrect.

Common causes:

✅ Next Steps
​Customer: Double-check and re-enter the correct PIN. If the issue continues, contact your bank to reset the PIN or use another card.
​Merchant: No action required—this is issuer-controlled. Advise the customer to retry with the correct PIN or a different card.

63

Segpay

Security Violation / CVV Error

🔎 What it Means
The transaction was declined because of a CVV (security code) verification failure or another security mismatch.

Common causes:

✅ Next Steps
​Customer: Re-enter the CVV exactly as shown on your card. If it still fails, contact your bank or try another card.
​Merchant: No technical action required—this is issuer-controlled. Advise the customer to verify the CVV or use a different card.

1

Segpay

Refer to Issuer

🔎 What it Means
The transaction was declined by the card issuer, but no specific reason was provided. The customer must contact their bank for details.

Common causes:

✅ Next Steps
​Customer: Contact your bank/issuer for more information or try another card.
​Merchant: No technical action required—this is issuer-controlled. Advise the customer to reach out to their bank or use a different card.

2

Segpay

Refer to Issuer (Special Condition)

🔎 What it Means
The card issuer declined the transaction and requires the cardholder to contact their bank for more information.

Common causes:

✅ Next Steps
​Customer: Contact your bank/issuer for details or try another card.
​Merchant: No technical action required—this is issuer-controlled. Advise the customer to reach out to their bank.

3

Segpay

Invalid Merchant

🔎 What it Means
The transaction was declined because the merchant is not recognized or not permitted by the card issuer.

Common causes:

✅ Next Steps
​Customer: Try another card or contact your bank for clarification.
​Merchant: Contact your processor if this occurs frequently, but typically no action is needed—this is issuer-controlled.

4

Segpay

Pick Up Card (No Fraud)

🔎 What it Means
The card issuer has declined the transaction and is requesting the card be retained by the merchant. This usually means the card is no longer valid for use.

Common causes:

✅ Next Steps
​Customer: Contact your bank/issuer for a replacement card. Use another valid card for the transaction.
​Merchant: No technical action required—this is issuer-controlled. Do not attempt further charges on this card.

21

Segpay

No Action Taken / Unable to Complete

🔎 What it Means
The card issuer could not process the transaction and did not complete authorization.

Common causes:

✅ Next Steps
​Customer: Wait a few minutes and try again, or contact your bank if the problem continues. Using another card may also help.
​Merchant: No technical action required—this is issuer-controlled. Advise the customer to retry or use another payment method.

22

Segpay

Suspected Malfunction

🔎 What it Means
The issuer declined the transaction because of a system or processing error—not an issue with the card itself.

Common causes:

✅ Next Steps
​Customer: Retry the transaction after a short time. If the issue continues, contact your bank or try another card.
​Merchant: No technical action required—this is issuer-controlled. Advise the customer to retry or use a different card.

2

Segpay

Cardholder only wishes to stop one specific payment in the recurring payment relationship.

🔎 What it Means
The customer asked to cancel one payment in their subscription, but not the whole plan. Since recurring payments are set up as ongoing, Segpay can’t block just one payment.

✅ Next Steps
​Customer: Contact your bank to confirm. If you want to pause or cancel, use the merchant’s subscription management options.
​Merchant: Don’t retry the payment until clarified. Confirm with the customer if they want to skip one charge or fully cancel the subscription.

3

Segpay

Cardholder has requested to stop all recurring payment transactions for a specific merchant.

🔎 What it Means
The customer asked their bank to stop all recurring payments for this subscription. Any future charges will be declined.

✅ Next Steps
​Customer: No action needed if you want the subscription canceled. Contact the merchant if you’d like to restart it or explore other options.
​Merchant: Don’t try to charge this card again. Update your records to mark the subscription as canceled.

21

Segpay

All recurring payments have been cancelled for the card number requested.

🔎 What it Means
The bank or customer has stopped all recurring payments on this card. Any future subscription charges will be declined.

✅ Next Steps
​Customer: Nothing to do if you want payments canceled. To restart, update your card details or re-subscribe with the merchant.
​Merchant: Don’t attempt new charges. Update your records to mark the subscription as canceled.

Segpay

Segpay

Segpay

Segpay