Credit Card Processing Error
Contents |
a different credit card or bank account information to use for an ACH transaction. Have your customer call their issuing bank (the number is typically printed on the back of the credit card) and resolve any issues that credit card processing error messages are preventing the transaction from being approved. Once your customer confirms that the bank will honor
Credit Card Processing Error Codes
the card, you can attempt the transaction again. When viewing a failed credit card payment’s Transaction Details screen, the transaction Statuswill be “Failed,”
Credit Card Processing Error Do Not Honor
the Reason Descriptionwill be “DECLINE” and the Authorization Codewill be one of the following failure codes, as shown below: Description:Decline Failure Code:05 Failure Code Definition: Do not honor. What it Means: The customer’s issuing bank is preventing
Merchant Credit Card Processing
the transaction from being authorized, and instructing you not to honor the card. What to Do: Have your customer call their issuing bank (the number is typically printed on the back of the credit card) and ask why the transaction was declined and clear up any problems that are causing the card to be declined. Once the issuing bank confirms that they will approve future attempts, try the transaction again. You can also ask your customer merchant credit card processing reviews for a different credit card account or an ACH account, and attempt the transaction again. Description:Decline Failure Code: 51 Failure Code Definition: Insufficient Funds What it Means: The customer’s issuing bank is preventing the transaction from being authorized because your customer is over his/her credit limit for the card (or processing the attempted transaction would cause the customer to go over the limit). What to Do: Have your customer call their issuing bank (the number is typically printed on the back of the credit card) and ask for a credit limit increase that will permit the transaction to be processed. When the new limit is confirmed, attempt the transaction again. You can also ask your customer for a different credit card account or an ACH account, and attempt the transaction again. Description:Decline Failure Code:62 Failure Code Definition: Invalid service code, restricted What it Means: This code will appear for one of two reasons: 1. You are attempting an American Express or Discover transaction and your merchant processing account is not configured properly to accept it. 2. An online payment was attempted by your customer using a credit card that does not allow online payments. What to Do: For Reason 1: Contact PaySimple Customer Careand request that your merchant account be configured to accept Discover and American Express payments. For Reason 2: Process the transaction again f
will see a pop-up message that contains the failure reason should a credit card transaction not be authorized, along with a suggestion for the action you should take. merchant credit card processing fees The pop-up will appear over the greyed-out Collect Payment screen, and will look costco merchant credit card processing something like the following: Click the “OK” button to clear the message and attempt the transaction again after making corrections, merchant credit card processing rates or by using a different payment method. NOTE: When customers make credit card payments via Customer Portalthey will see this same error message if a payment fails. After seeing this message, they will be https://paysimple.com/paysimple30_help/ps30/a7-cc-failure-codes/Credit_Card_Decline_Codes.htm able to make corrections or enter different payment information and attempt the payment again. If this occurs, you will see both transactions documented in PaySimpletransaction history and reports. When viewing a failed credit card payment’s Transaction Details screen, you will be able to see both the failure description and the numeric failure code, as shown below: The following fields contain failure related information: Status: Indicates a credit https://paysimple.com/paysimple30_help/ps30/a7-cc-failure-codes/How_to_Read_Credit_Card_Failure_Codes.htm card payment that was not authorized with a status of “Failed.” This status will be the same for every failed credit card transaction, regardless of the failure reason. Reason Description:Contains the failure description. This is the same message you see in the pop-up failure notice. (See Directory of Credit Card Failure Codesbelow for a full list of all possible failure description notices.) Authorization Code: Contains the two digit numeric failure code that indicates exactly why the transaction failed. (See Most Common Credit Card Failure Codesfor detailed descriptions of the failure codes you are most likely to encounter, and Directory of Credit Card Failure Codesfor detailed descriptions of all failure codes.) NOTE: For successful (authorized) credit card payments, the authorization code for the payment will be displayed in this field. When credit card transactions generated by recurring payment schedules fail customers will receive an email notification. (You can CC your company on these notices by editing the “Failure Notice--Recurring Payment Primary” email template. See Viewing and Editing Email Templates in Chapter 8 for instructions.) View the Transaction Detailsscreen for each failed recurring payment to determine the failure Reason Description and the failure code (or create a custom report tha
Gateway Rejections Descriptors Duplicate Transaction Checking Email Receipts Vault Overview Create Update Card Verification Reporting Overview Settlement Batch Summary Transaction Summary Decline Analysis Expiring Cards 1099-K Webhooks https://articles.braintreepayments.com/control-panel/transactions/declines Custom Fields Transactions/Declines Declines are not the same as gateway rejections. Declined transactions are blocked by the customer's bank, while gateway rejections are blocked by your gateway settings. A processor decline indicates that the customer’s bank has refused the transaction request. Sometimes you can tell why it was declined by reading the response code, but only the credit card customer's bank can confirm the specific reason. Here are a few of the most common ones: Incorrect credit card number or expiration date Insufficient funds Some banks will reject charges based on location Some banks will reject charges based on their own fraud rules An acceptable decline ratio is about 10%, but this may fluctuate based on industry credit card processing or business model. You can analyze your decline ratio by creating a decline report. Your decline ratio may be inflated by repeated attempts on the same payment method—either on your end or the customer’s end. We recommend that you use our risk threshold rules to reduce repeated customer attempts and our automated retry logic for subscriptions instead of implementing your own. Authorization declines 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. See the complete list of authorization decline codes. Settlement declines Declines can also happen on settlement: when you try to collect funds from a customer's payment method after a successful authorization, and the bank says no. These declines are much more rare than authorization declines. See more details on settlement declined transactions in the developer docs. See the complete list of settlement decline codes. Types of declines There are two types of declines: hard declines and soft dec