Bank Card Transaction Cancellation Reasons

Understanding the reasons for bank card transaction cancellations can help you prevent disruptions and ensure smooth transactions. Below is a list of possible reasons why a bank card transaction may be canceled and what you can do in each case.

1. 3Ds Authentication Error / Transaction failed: Unable to authenticate this card at this time, please try again with another card_ 3Ds authentication Failed. Error in request for authentication information (billing address, email, and IP geolocation fields). We associate the reason with the work of anti-fraud systems on the issuers' side. We assume a direct connection with the transfer of fields.

2. 3DS Verification Failed / Cardholder failed 3D-Secure authentication_ cardholder did not enter correct details during the 3Ds verification 

3. Do not honour / DO_NOT_HONOUR_PROCESSING_ERROR / PROCESSING_ERROR / PROCESSOR_DENIAL_PROCESSING_ERROR / EMITTER_DENIAL_PROCESSING_ERROR / BLOCKED (no comments) / Decline (general, no comments)_ This means that the customer's bank has declined the payment. This is the most common message provided by banks when a payment fails their authorization process.
   There are several possible scenarios that can trigger the (Declined - Do not honour) response code:
   — the bank's fraud rules (which consider various factors that are not made public) have been triggered.
   — the bank may have placed a temporary hold on the customer's card.
   — the purchase session may have been locked due to multiple declined payments.
   — insuficient funds
   — daily amount limit exceed
   — credit amount limit exceed

4. Exceeds withdrawal amount limits / Exceeds amount limit / Exceeds withdrawal limit / Withdrawal limit would be exceeded / LIMIT_PROCESSING_ERROR_ issuing bank declined the transaction because card exceeds its withdrawal limit. The card has reached the limit on the amount of transactions per day, per month or per one-time transaction.
   Possible reasons:
   — there is no Internet transaction limit set on the card or it has already been reached or will be reached with the current transaction
   — the total amount limit for card purchase transactions has already been reached or will be reached with the current transaction
   — the card is not open for online payments
   — the 3D-Secure service is not activated on the card, which is why Internet transactions without a 3D-Secure password fall under the restrictions of the issuing bank (bank that issued the card)

5. Fraud/Security_ The transaction is refused because the card issuer suspects this payment to be fraudulent. 

6. Invalid merchant_ Issuer rejection

7. Life cycle (Mastercard use only)_ direct decline from Mastercard network

8. Transaction Not Completed_ cardholder did not complete 3Ds verification. In these cases, the user did not reach or open the 3DS page

9. Transaction not permitted to cardholder_ issuing bank declined the transaction with that reason (bank that issued the card). Transaction not allowed for card or customer.
   Possible reasons:
   — this card product is not designed for this type of operation
   — this type of operation is not configured for this card on the issuing bank’s side

10. Security violation / Policy violation_ Denial for security reasons. The card issuer indicated a security issue with this card. The client can use another payment method. Alternatively, client can try again after they resolved the issue with their bank.
Possible reasons:
— card account is frozen or blocked
— restrictions on security rules (Antifraud system on the side of any of the participants)

11. Transaction Cancelled_ cardholder canceled the 3Ds Verification

12. Transaction Declined / BLOCKED (no comments) / Decline (general, no comments)_ Issuer rejection

13. Please use another bank card or come back later (Same Card Repeats Failed Transactions)_ if in a period of 30 minutes a card has 2 declines with the same reason then the 3 transaction in that period will be declined with “Same Card Repeats Failed Transactions”

14. Stand-in-Processing (STIP) is initiated when an issuing bank is unable to provide a real-time response to Visa, due to planned or unplanned outages or network problems.

15. Invalid transaction / Invalid transaction card_ The card issuer does not authorize this transaction on this card.
Possible reasons:
— sometimes, if the card number is entered incorrectly, it may result in an invalid transaction.
— the expiration date is invalid. This may mean that it was entered incorrectly or that it has expired.
— AVS (Address Verification Service - Fraud Prevention Measure) failure.
— the card may have been canceled or flagged by the card issuer.
— the client tried to launch the card several times in a row. Many card issuers take action against multiple fast transactions, as this is often a sign of fraud.

16. DO_NOT_PROCEED / Transaction could not be processed_ its decline from issuer to do not proceed to 3ds authentication

17. Card is black listed_ Card and email can been blacklisted for one of the following reasons.
— chargeback
— pickup card
— stolen card
— lost Card
— restricted card

18. 3DS Verification Pending_ cardholder did not complete the 3Ds verification

19. SCA required under PSD2_ declined from issuer. This means that certain electronic payments, especially within the European Union, require compliance with the Strong Customer Authentication (SCA) rules established under the PSD2 (Revised Payment Service Directive). When making a payment, the payment provider must ask the user for two or more independent authentication methods to confirm the legitimacy of the transaction (this may include entering a password, receiving a one-time code on a mobile phone, or using biometrics.

20. Allowable number of PIN tries exceeded / VALIDATION_PROCESSING_ERROR Decline, allowable PIN tries exceeded_ cardholder used wrong cvv more times than the allowed tries

21. Insufficient funds / Not sufficient funds / INSUFFICIENT_FUNDS_PROCESSING_ERROR_ There are insufficient funds on the card balance.
    If the balance on the card is greater than or equal to the transaction amount, and the refusal still occurs due to insufficient funds, then the following reasons are possible:
    — the issuing bank withholds additional fees from the cardholder. This may arise in cases of loan repayment through an online payment, or if the agreement for servicing a bank card provides for additional fees;
    — conversion occurs from the purchase currency to the card currency. Make sure there are enough funds on your card to cover the currency conversion fee. Some issuing banks set commissions for currency conversion, usually within 1% (bank that issued the card)

22. Restricted card / Restricted status / Decline, restricted card_ Card transactions are limited. Possible reasons:
    — card transactions are not allowed in this region/country
    — the card has a status that limits payments
    — online payments are not available for the card (the bank that issued the card)

23. Expired card / Decline, expired card / Pick-up, expired card / Card expired / VALIDATION_PROCESSING_ERROR Decline, expired card_ Card has expired Possible reasons:
    — the card has expired
    — the card expiration date is incorrect
    — the card was reissued with a new term (the bank that issued the card)

24. Card number does not exist / Invalid card number /No such card / Decline, card not effective / VALIDATION_PROCESSING_ERROR Decline, invalid card number_ Possible reasons:
    — invalid card number
    — the card is not valid
    — payment with a local payment system card abroad
    — card transactions are not allowed in this region/country
    — the card has a status that limits payments (the bank that issued the card)

25. Pick up card_ The issuing bank suspects the cardholder of fraud, or the security system (anti-fraud system) of the issuing bank rejected the transaction. As a rule, the reason is the blocking of the card due to loss

26. Invalid account / Decline, no account of type requested_ Invalid card or account number
    Possible reasons:
    — card account is closed or blocked
    — expense transactions are prohibited on the account
    — the card is not valid
    — invalid card number
    — payment by card of a local payment system abroad.
    — card transactions are not allowed in this region/country
    — the card has a status that limits payments
    — the card is not intended for online payments
    (bank that issued the card)

27. Card issuer or switch inoperative / Decline reason message: card issuer timed out_ Acquiring bank request timeout / Communication error: timeout. Timeout when trying to communicate with the issuing bank. As a rule, such an error occurs when there are technical problems on the side of any of the participants: the acquiring bank, the issuing bank, the Visa/MasterCard payment system, etc. 

28. Lost card (pick-up)_ Card lost. The status of the card has been set to lost at the request of the cardholder. (bank that issued the card)

29. Stolen card / Stolen card, pick-up_ Card stolen. The issuing bank set the status “stolen” on the card at the request of the card holder (the bank that issued the card)

30. Policy (Mastercard use only)_ direct decline from Mastercard. Applies for Mastercard. The transaction is refused due to a policy reason.

31. BLOCKED / Transaction blocked due to Risk or 3D Secure blocking rules_  usually means that the issuing bank does not pass payments. This is Antifraud System from the acquiring bank. Please ensure you are using the appropriate card.

32. DECLINED: AUTHENTICATION_REJECTED_ "Authentication Failed". This is typically due to a mistyped password, but it can also be caused by an incorrect username or blacklisting.

33. DECLINED: AUTHENTICATION_FAILED_“3D Secure authentication failed”. Please use the appropriate authentication credentials.

34. DECLINED: RESUBMIT_WITH_ALTERNATIVE_PAYMENT_DETAILS_Transactions are blocked for security reasons. This may be an excess of the limits set on the issuer's side. For example, a client made many transactions per day and was blocked by his own issuer. In this case, we can recommend that the client reduce the number of transactions by equal amounts, as this raises suspicion of fraud.

35. No universal account_The customer’s card issuer has declined the transaction as the account type selected is not valid for this credit card number. The customer should use an alternate credit card, or contact their bank.

36. Bank card has been declined_  restricted GEO

37. Invalid card number length_ Card numbers have a standard number of digits, based on card type. This message indicates that the card did not contain the correct number of digits, such as due to an incorrectly entered card number.

38. We could not authenticate your card, please try again / Transaction failed: Unable to authenticate this card at this time, please try again with another card / AUTHENTICATION_PROCESSING_ERROR_ Issuer declined to authenticate the transaction.
    Possible reasons:
    There are lot of things the reason why the authentication failed. It can be either the card holder input incorrect authentication detail (wrong OTP) or because the issuer decline the authentication due to their on reason.
    — 3DS check is not activated on the card
    — incorrect CVV number entered
    — the card issuer sends a text message (or similar) to the cardholder to confirm the payment, and does not receive a response.
    — card restrictions. Some cards have restrictions on online transactions or transactions from certain locations for security reasons. 

39. Your activity is under review due to an irregular transaction pattern, please contact support_ This happens when the customer's card or email address has been flagged for suspicious activity. The customer should contact issuer with proof of identity.

40. Partial amount was approved_ More detailed reason for insufficient funds. The client can deposit a smaller amount.

41. The transaction needs 3d verification_ cardholder did not complete 3ds verification / cardholder closed browser without completing 3ds

42. The order has been rejected by Decision Manager_ the address not match with cardholder address / ip address / email (the bank that issued the card). AVS (Address Verification Service - Fraud Prevention Measure) failure.

43. Transaction abandoned by the cardholder_ Cardholder abandoned the process.
    Possible reasons:
    — the cardholder does not click the submit button to complete the transaction.
    — the process is timed-out due to the system / browser being kept idle.
    — the cardholder closed the browser before completing the process.

44. Another operation for this card in progress / retry_failed_card_operation_ Repeat transactions are made using the client’s card without waiting for the final status of the previous transaction. This is an incorrect cascading operation on the merchant’s side, which negatively affects the processing and leads to fraud blocking of the client. Please check the technical settings on your side.

45. Invalid billing information provided_ discrepancy between the transmitted data provided by the client and the address in the file of the issuing bank: billing address / ip geolocation / E-mail address / cardholder name

46. Can not make deposit: Blocked By Fraud Check / PLATFORM_ERROR_GATE_NOT_FOUND_ anti-fraud system on the acquirer’s side.
    This is a comprehensive system for checking transactions based on various factors. The verification is based on an assessment of each transaction, the card is not blocked forever. When the level of fraud exceeds the allowed threshold, the transaction is blocked. There are many variables that change the estimate, transaction details, frequency, amount, frequency of rejections, previous reasons for rejection.

47. UNSPECIFIED_FAILURE_ issuing bank declined the transaction without indicating a specific reason. The client is advised to contact the bank that issued the card.

48. You cannot process from this card type_  Reasons may be the same as for Do not honour

49. Transaction not permitted by gateway_ Reasons may be the same as for 3ds Authentication failed (3d-secure). 3D secure authentication was attempted on the card, but the customer's bank did not authenticate the transaction. Please advise your customer to contact their bank.

50. Request duplicate_ occurs when the client tries to reload the 3ds form

51. Cardholder browser session timed out / Redirect Timeout_ The client did not complete 3ds and the browser session expired.

52. Invalid pin / Incorrect pin / Wrong PIN, tries exceeded_ The status on the card is due to exceeding attempts to enter the PIN code when paying at POS terminals or using the card at an ATM.
    Another reason may be that the card has just been issued and the first operation for it should be to change the PIN code

53. No suitable name found_ The cardholder name is missing / the cardholder name field is not filled in / not submitted

54. Value ‘ARCХХХХХХХХХХХХ’ is invalid. A transaction with this transaction ID has already been processed but the request parameters do not match. To process a new transaction for this order, the must be unique for the order_ The client reopened the 3ds page

55. Order is expired / Operation timed out_ means that the 3DS authentication was not completed on the client’s side.

    In these cases, the user successfully reached the 3DS page but did not complete the authentication — for example, did not enter the OTP or closed the page. Such sessions automatically expire after 15 minutes.

56. PLATFORM_ORDER_BILLING_ERROR_ The transaction was declined by the acquirer due to one of the following reasons:
    — acquirer antifraud rules
    — card temporarily blocked after two consecutive failed attempts (24-hour lock)
    — daily transaction limit on the card reached

    Unfortunately, the acquirer does not provide more specific details.

57. 3DS_TIMEOUT_PROCESSING_ERROR / 3DS Timeout / Prepay Timeout_The customer has not returned from the 3DS processing

    Possible reasons:
    — the card does not support 3DS, while the issuer requires mandatory authentication
    — the 3DS challenge was not completed (code not entered, window closed, timeout)
    — the issuer declined the transaction due to internal security rules (e.g., suspected fraud)

58. Security software/hardware error - no action_ received from the issuer. For further information, we recommend the customer to contact the issuing bank.

59. 3DS check failed, do not continue transaction_ 3DS authentication was not successfully completed. The issuing bank did not confirm the cardholder’s authentication, and therefore the transaction could not proceed.

    In most cases, this response occurs when the user reaches the 3DS page but does not complete the authentication process. For example:

    1. The user pressed Cancel on the 3DS page.

    2. The user received a push notification from the issuing bank but did not confirm it (or pressed Decline).

    3. The user entered an incorrect OTP.

60. Re-enter transaction_ typically means that the transaction was not processed successfully and should be attempted again. Usually recommended to first check the entered information for accuracy, and then try processing the transaction again.

61. Decline, additional customer authentication required_ the issuer requires the cardholder to complete additional authentication (for example, a one-time code, banking app confirmation, etc.).

62. No Card record_The request tried to create a card payment, but there was no record of the card number. The request was rejected. Correct the card number or advise the customer to use a different payment method.

63. Decline, suspected counterfeit card_ This decline reason indicates a fraud-related issue, where the issuer’s security systems detected signs inconsistent with a legitimate card or cardholder activity.

64. Blocked, first used or special condition, new cardholder not activated or card is temporarily blocked_ The request attempted a card operation, but the card is new and has not yet been unblocked. The request was rejected. Advise the cardholder to complete the process for unblocking the card.

65. Decline, Blocked by cardholder/contact cardholder_ the transaction was declined because the card has been blocked by the cardholder (for example, through their banking app or by contacting the bank directly).