Exceeded credit limit (Code 65): Even if you have money in your accounts, you need to pay it down if you’ve exceeded the credit limit for the card before you can use it again.Insufficient funds (Code 51): You don’t have enough money in the accounts associated with your card (both credit and debit cards).
#Smart card toolset card invalid verification
Credit card verification error (Code CV): There could be an issue with your card’s microchip or magnetic strip, making it impossible to use for transactions.Some of the most common card decline reasons include: The problem can be something as simple as the payment processor struggling with your card, insufficient funds, or an electronic issue connecting with your bank or credit card company. If your customers see one of these codes when attempting to check out on your site, learn what could be causing it with this guide ✅ Click to Tweet Most Common Reasons a Card Is Declinedįirst off, let’s start by covering a few common reasons that a transaction might be declined.
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The code can explain what the actual issue is… as long as you know what it means.įirst, we’ll cover 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 decline codes. This error message is what’s known as a credit decline code. When you have this issue, you’ll get a short error message of one to three numbers (or letters, in some cases). This can happen whenever a transaction is stopped by the vendor, bank, or card issuer. You can also get error codes when trying to make online purchases.Įxample of a declined online credit card purchase (Source: ) If you’re in a store and can’t get your credit card to work, you and the vendor will get an error that can direct you to what went wrong. A credit card decline code is the code that appears on a credit card processor when a transaction, or payment, has been declined.