REFUSAL CODE REFERENCE

Worldpay error codes

All 212 codes Worldpay documents, with what each one means and what to do about it.

Worldpay

CodeWorldpay saysMeaningType

1Refer to card issuer, or referred: call the authorization center.Refer to card issuerSoft decline 2REFERRED OR Refer to card issuer, special conditionRefer to card issuerSoft decline 3Invalid acceptor, or invalid merchant or service provider.Merchant account issueIntegration issue 4Hold card, capture card, or declined and retain card.Declined by the issuerSoft decline 5REFUSED OR Do not honor OR DeclinedDo not honorSoft decline 6Try another cardDeclined by the issuerSoft decline 7Pickup card special condition (other than lost/stolen card)Declined by the issuerSoft decline 8Honor with ID OR Transaction approved with IDUnspecifiedSoft decline 10Partial ApprovalUnspecifiedSoft decline 12INVALID TRANSACTION OR Invalid transactionInvalid transactionIntegration issue 13Invalid amount, or amount exceeds the card program maximum. Also returned when the monthly gambling transaction limit is exceeded.Invalid amountIntegration issue 14Invalid card number, or invalid account number (no such number).Invalid card numberHard decline 15Invalid issuerIssuer not recognizedHard decline 19Re-enter transactionUnspecifiedSoft decline 20Acquirer error, generic error, or no action taken (unable to back out the prior transaction).Issuer or acquirer unavailableSoft decline 25Unable to locate the record on file, or the account.UnspecifiedSoft decline 28File is temporarily unavailableIssuer or acquirer unavailableSoft decline 30Format error OR ERRORInvalid request dataIntegration issue 33CARD EXPIREDExpired cardHard decline 34FRAUD SUSPICIONSuspected fraudHard decline 39No credit accountDeclined by the issuerSoft decline 41Lost card OR Pickup card (lost card)Card reported lostHard decline 43Stolen card: pick up the card.Card reported stolenHard decline 46Closed accountCard blocked or closedHard decline 51Limit exceeded, or insufficient funds / over credit limit.Insufficient fundsSoft decline 52No checking accountDeclined by the issuerSoft decline 53No savings accountDeclined by the issuerSoft decline 54Expired card OR DECLINED, EXPIRED CARDExpired cardHard decline 55Invalid security code, invalid PIN, or a generic error.Card details don't matchSoft decline 56UNKNOWN CARDCard details don't matchSoft decline 57Transaction not permitted to issuer/cardholder, or illegal transaction.Not permitted for this cardholderSoft decline 58Transaction not permitted to acquirer/terminalDeclined by the issuerSoft decline 59Suspected Fraud (Visa)Suspected fraudHard decline 61Exceeds withdrawal amount limitNot permitted for this cardholderSoft decline 62Restricted card (for example, the card is in a country exclusion table).Card blocked or closedHard decline 63Unable to authorise OR ERRORDeclined by the issuerSoft decline 64Unable to authoriseDeclined by the issuerSoft decline 65Exceeds withdrawal count limit, or authentication requested (soft decline: the customer must be authenticated).Authentication requiredSoft decline 68Time outProvider timed outSoft decline 70CONTACT CARD ISSUER OR Contact Card IssuerRefer to card issuerSoft decline 71PIN Not ChangedUnspecifiedSoft decline 74ALLOWABLE NUMBER OF PIN TRIES EXCEEDEDDeclined by the issuerSoft decline 75Allowable number of PIN tries exceededDeclined by the issuerSoft decline 76Card blocked, or an invalid/nonexistent 'To Account' was specified.Card blocked or closedHard decline 77An invalid/nonexistent 'From Account' was specified.Card details don't matchSoft decline 78Invalid/nonexistent account specified (general)Card details don't matchSoft decline 79Already reversed (Visa) OR Lifecycle reasons (Mastercard)Declined by the issuerSoft decline 80Visa: credit issuer unavailable. Private label and check acceptance: invalid date.Issuer or acquirer unavailableSoft decline 82Visa: negative CAM, dCVV, iCVV or CVV results. Mastercard: declined for policy reasons.Declined by the issuerSoft decline 83Visa: STIP cannot approve. Mastercard: declined for fraud/security related reasons.Declined by the issuerSoft decline 84Invalid Authorization Life CycleInvalid transactionIntegration issue 85Rejected by card issuer. Scheme meaning: not declined / no reason to decline (valid for AVS-only or balance inquiry requests).Declined by the issuerSoft decline 86Cannot Verify PIN OR PIN Validation not possibleDeclined by the issuerSoft decline 88Unable to authoriseDeclined by the issuerSoft decline 89Unacceptable PIN, transaction declined, retry; or ineligible to receive.Declined by the issuerSoft decline 91Card issuer temporarily not reachable: the issuer, switch or authorization system is unavailable or inoperative.Issuer or acquirer unavailableSoft decline 92Unable to route the transaction; the destination cannot be found for routing.Issuer or acquirer unavailableSoft decline 93Transaction cannot be completed violation of lawBlocked for complianceHard decline 94Duplicate transaction, or duplicate transmission detected.Duplicate transactionIntegration issue 96Unable to authorise OR System errorProvider errorSoft decline 98ERRORUnspecifiedSoft decline 99ERRORUnspecifiedSoft decline 102INVALID CARD ISSUERIssuer not recognizedHard decline 104UNKNOWN CARDCard details don't matchSoft decline 106INVALID ACCOUNTCard details don't matchSoft decline 107SECURITY BREACHSuspected fraudHard decline 241Verification data failedCard details don't matchSoft decline 397Surcharge amount not permitted on VisaNot supportedIntegration issue 398Surcharge not supportedNot supportedIntegration issue 442The acquirer institution identification code in the request is not registered at CAFIS.Invalid request dataIntegration issue 443CAFIS System Error. Try againProvider errorSoft decline 444The acquirer system is busy. Try againIssuer or acquirer unavailableSoft decline 445Acquirer system error. Try againIssuer or acquirer unavailableSoft decline 446The acquirer system has closed. Try againIssuer or acquirer unavailableSoft decline 447CAFIS System Error. Try againProvider errorSoft decline 448Illegal encoding format. Try againInvalid request dataIntegration issue 449CAFIS System Error. Try againProvider errorSoft decline 450CAFIS System Error. Try againProvider errorSoft decline 451Advice message already receivedDuplicate transactionIntegration issue 452CAFIS timed out while sending the message to the acquirer. Try again.Provider timed outSoft decline 453CAFIS System Error. Try againProvider errorSoft decline 454CAFIS System Error. Try againProvider errorSoft decline 455CAFIS System Error. Try againProvider errorSoft decline 456CAFIS System Error. Try againProvider errorSoft decline 457CAFIS System Error. Try againProvider errorSoft decline 458The acquirer does not support the serviceNot supportedIntegration issue 459CAFIS System Error. Try againProvider errorSoft decline 460CAFIS System Error. Try againProvider errorSoft decline 577The card is unusable. The cardholder should contact the issuer.Declined by the issuerSoft decline 578The transaction is pending. The cardholder should contact the issuer.UnspecifiedSoft decline 579PIN is incorrectCard details don't matchSoft decline 580Security Code is incorrectWrong security codeSoft decline 581Security Code is not setWrong security codeSoft decline 582JIS2 stripe information is invalidCard details don't matchSoft decline 583The card is maxed out for the day (insufficient funds). The cardholder should contact the issuer.Insufficient fundsSoft decline 584The amount exceeds the limit for the day (insufficient funds). The cardholder should contact the issuer.Insufficient fundsSoft decline 586The card is invalid (MOD 10 check failed). Keep the card and contact the issuer.Invalid card numberHard decline 587The card is invalid (lost/stolen). Keep the card and contact the issuer.Card reported lostHard decline 588The card is invalid (MOD 10 check failed). Keep the card and contact the issuer.Invalid card numberHard decline 589The "Primary Account Number" message element value is invalid (MOD 10 check failed).Invalid card numberHard decline 590Message element "Merchant Type" value is invalidInvalid request dataIntegration issue 591Message element "Transaction Amount" value is invalidInvalid amountIntegration issue 592Message element "Tax and Postage" value is invalidInvalid request dataIntegration issue 593Bonus Count value is invalidInvalid request dataIntegration issue 594Bonus Month value is invalidInvalid request dataIntegration issue 595Bonus Amount value is invalidInvalid request dataIntegration issue 596First Payment Month value is invalidInvalid request dataIntegration issue 597Installment Count value is invalidInvalid request dataIntegration issue 598Installment Amount value is invalidInvalid request dataIntegration issue 599First Payment Amount value is invalidInvalid request dataIntegration issue 600The Service Code, Business Code and Message Code message element values are invalid.Invalid request dataIntegration issue 601Message element "Payment Division" value is invalidInvalid request dataIntegration issue 602Message element "Inquiry Division" value is invalidInvalid request dataIntegration issue 603Message element "Cancel Division" value is invalidInvalid request dataIntegration issue 604Message element "Original Payment Division" value is invalidInvalid request dataIntegration issue 605Unknown response code, or the card is expired.Expired cardHard decline 606The card is not applicable to the service.Not supportedIntegration issue 607The acquirer service is completed.UnspecifiedSoft decline 608The invalid card (lost/stolen) has an error.Card reported lostHard decline 609The request message cannot be processed for some reason. The cardholder should contact the issuer.Declined by the issuerSoft decline 610A request message was received for a transaction type that is not supported.Not supportedIntegration issue 611Unknown response code, or the request came from a centre that has not made contact.UnspecifiedSoft decline 622Message element "Service Code" setting errorInvalid request dataIntegration issue 623Message element "Business Code" setting errorInvalid request dataIntegration issue 624Message element "Message Code" setting errorInvalid request dataIntegration issue 625Message element "Processor Code" setting errorInvalid request dataIntegration issue 626Message element "Merchant Code" setting errorInvalid request dataIntegration issue 627Message element "Transaction Identifier" setting errorInvalid request dataIntegration issue 628Setting error in the "Processor Transaction Date-Time" message element.Invalid request dataIntegration issue 629Setting error in the "Card Acceptor Terminal Identification" message element.Invalid request dataIntegration issue 630Message element "Encryption Method Code" setting errorInvalid request dataIntegration issue 631Setting error in the "Key Encryption Key Index in Use" message element.Invalid request dataIntegration issue 632Setting error in the "Processor Authentication Key Index" message element.Invalid request dataIntegration issue 633Message element "Message Encryption Key" setting errorInvalid request dataIntegration issue 634Message element "Message Authentication Code" setting errorInvalid request dataIntegration issue 635Setting error in the "Acquirer Institution Identification Code" message element.Invalid request dataIntegration issue 636Message element "Primary Account Number" setting errorInvalid request dataIntegration issue 637Message element "Expiration Date" setting errorInvalid request dataIntegration issue 638Message element "Track-2 Data" setting errorInvalid request dataIntegration issue 639Message element "PIN Data" setting errorInvalid request dataIntegration issue 640Message element "Merchant Type" setting errorInvalid request dataIntegration issue 641Message element "Transaction Amount" setting errorInvalid request dataIntegration issue 642Message element "Tax and Postage" setting errorInvalid request dataIntegration issue 643Setting error in the "Point of Service Data Code" message element.Invalid request dataIntegration issue 644Message element "Payment Division" setting errorInvalid request dataIntegration issue 645Message element "Cancel Division" setting errorInvalid request dataIntegration issue 646Setting error in the "Original Terminal Processing Serial Number" message element.Invalid request dataIntegration issue 647Message element "Original Payment Division" setting errorInvalid request dataIntegration issue 658Setting error in the "Original Processor Transaction Date-Time" message element.Invalid request dataIntegration issue 659Message element "Original Transaction Identifier" setting errorInvalid request dataIntegration issue 660Message element "Free Field" setting errorInvalid request dataIntegration issue 661Setting error in the "Terminal Processing Serial Number" message element.Invalid request dataIntegration issue 662Message element "Security Code" setting errorInvalid request dataIntegration issue 663Message element "Electronic Commerce Indicator" setting errorInvalid request dataIntegration issue 664Message element "XID" setting errorInvalid request dataIntegration issue 665Message element "Accountholder Authentication Value" setting errorInvalid request dataIntegration issue 666Message element "Transaction Status" setting errorInvalid request dataIntegration issue 667Message element "Message Version Number" setting errorInvalid request dataIntegration issue 668Message element "CAVV Algorithm" setting errorInvalid request dataIntegration issue 669Message element "Recurring Flag" setting errorInvalid request dataIntegration issue 670Setting error in an element block (for example "General Transaction Info").Invalid request dataIntegration issue 671The combination of the "Service Code" and "Message Code" message elements is set incorrectly.Invalid request dataIntegration issue 672Setting error in the "Processor Authentication Key Index" message element.Invalid request dataIntegration issue 673More than one original transaction matches the reversal, so the transaction cannot be reversed.Invalid transactionIntegration issue 674The combination of the "Processor Code" and "Merchant Code" message elements is set incorrectly.Invalid request dataIntegration issue 675Global GEAR System Error. Try Again.Provider errorSoft decline 676Global GEAR System Error. Transaction result is unclear.Provider errorSoft decline 677Global GEAR System Error. Transaction result is unclear.Provider errorSoft decline 678Global GEAR System Error. Try Again.Provider errorSoft decline 679Global GEAR System Error. Transaction result is unclear.Provider errorSoft decline 680Global GEAR System Error. Transaction result is unclear.Provider errorSoft decline 681Global GEAR System Error. Try Again.Provider errorSoft decline 682Global GEAR System Error. Transaction result is unclear.Provider errorSoft decline 683Global GEAR System Error. Transaction result is unclear.Provider errorSoft decline 694Global GEAR System Error. Transaction result is unclear.Provider errorSoft decline 695Global GEAR System Error. Transaction result is unclear.Provider errorSoft decline 696Global GEAR System Error. Transaction result is unclear.Provider errorSoft decline 697Global GEAR System Error. Transaction result is unclear.Provider errorSoft decline 698Global GEAR System Error. Transaction result is unclear.Provider errorSoft decline 699Global GEAR System Error. Transaction result is unclear.Provider errorSoft decline 700Global GEAR System Error. Transaction result is unclear.Provider errorSoft decline 701Global GEAR System Error. Transaction result is unclear.Provider errorSoft decline 702Global GEAR System Error. Transaction result is unclear.Provider errorSoft decline 703Global GEAR System Error. Try Again.Provider errorSoft decline 704Global GEAR System Error. Transaction result is unclear.Provider errorSoft decline 705Global GEAR System Error. Try Again.Provider errorSoft decline 828Unable to authorizeDeclined by the issuerSoft decline 831Cash service not availableNot supportedIntegration issue 832Cash back request exceeds issuer limitNot permitted for this cardholderSoft decline 833Resubmitted transaction over max days limitInvalid transactionIntegration issue 835Decline for CVV2 failureWrong security codeSoft decline 836Transaction amount greater than preauthorisedInvalid amountIntegration issue 902Invalid biller informationInvalid request dataIntegration issue 905Unable to authoriseDeclined by the issuerSoft decline 906Unable to authoriseDeclined by the issuerSoft decline 911UNKNOWN RESPONSE CODEUnspecifiedSoft decline 937Card Authentication failedDeclined by the issuerSoft decline 972Stop Payment OrderDeclined by the issuerSoft decline 973Revocation of Authorization OrderDeclined by the issuerSoft decline 975REFUSED OR Revocation of All Authorizations OrderDeclined by the issuerSoft decline 1044Approval, keep first checkUnspecifiedSoft decline 1045Check OK, no conversionUnspecifiedSoft decline 1046Invalid RTTNInvalid request dataIntegration issue 1047Amount greater than limitNot permitted for this cardholderSoft decline 1048Unpaid items, failed NEGUnspecifiedSoft decline 1049Duplicate check numberDuplicate transactionIntegration issue 1050MICR errorUnspecifiedSoft decline 1051Too many checksNot permitted for this cardholderSoft decline 1198Forward to issuerRefer to card issuerSoft decline 1201Forward to issuerRefer to card issuerSoft decline 1263Unable to authoriseDeclined by the issuerSoft decline 1295UnknownUnspecifiedSoft decline

Source: Worldpay docs — Refusal response codes (Access Worldpay)

Reference only. Codes and descriptions come from each provider's public documentation. The Yuno response code is a reference mapping and does not guarantee how a specific transaction is processed.