If you believe your merchant account should be set up to accept this type of transaction, contact our Support team.
An error occurred when trying to process the authorization.
The customer entered in an invalid security code or made a typo in their card information.
Sometimes you can tell why it was declined by reading the response code, but only the customer's bank can confirm the specific reason.This response could indicate an issue with the customer’s card or that the processor doesn't allow this action – contact our Support team for more information.The customer's bank is unwilling to accept the transaction.Have the customer correct their payment information and attempt the transaction again – if the decline persists, they will need to contact their bank.The customer entered an invalid payment method or made a typo in their card expiration date.For credit/debit card transactions, the customer will need to contact their bank for more details regarding this generic decline; if this is a Pay Pal transaction, the customer will need to contact Pay Pal.The customer’s card has been reported as lost or stolen by the cardholder and the card-issuing bank has requested that merchants keep the card and call the number on the back to report it.The customer’s bank is requesting that the merchant (you) call to obtain a special authorization code in order to complete this transaction.This can result in a lengthy process – we recommend obtaining a new payment method instead. The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction – for example, the customer used an FSA debit card for a non-healthcare related purchase.The most common reasons for declines are: An acceptable decline ratio is about 10% of your transactions, but this may fluctuate based on industry or business model.You can analyze your decline ratio by creating a decline report.When we talk about declines, we're usually referring to authorization declines.These happen when you request authorization to charge a customer's payment method, and the bank refuses to authorize the charge.This decline code could indicate that the submitted card number does not correlate to an existing card-issuing bank or that there is a connectivity error with the issuer.