We unify the decline codes across all processors and payment methods we integrate with so you only have to understand them in one way. This guide will outline how we map issuer decline reasons.
See here for an overview of what decline codes are and how they’re defined on Primer.

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How does Primer approach this?

Where possible, we map our decline reasons to the raw response codes that the issuers provide that are defined by the card networks (e.g. Visa and Mastercard). If the raw response code isn’t returned by the processor, we use the processor response code.

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Mapping Standard

Only showing for Mastercard & Visa.
Raw response codeCard Network(s)Decline TypeDecline Reason
01: Refer to card issuerMastercardSOFT_DECLINEREFER_TO_CARD_ISSUER
03: Invalid merchantMastercard
Visa		HARD_DECLINEERROR
04: Pickup card (no fraud) [Visa] / Capture card [Mastercard]Mastercard
Visa		HARD_DECLINELOST_OR_STOLEN_CARD
05: Do not honorMastercard
Visa		SOFT_DECLINEDO_NOT_HONOR
07: Pickup card, special conditionsVisaHARD_DECLINELOST_OR_STOLEN_CARD
12: Invalid transactionMastercard
Visa		HARD_DECLINEERROR
13: Invalid amountMastercardHARD_DECLINEERROR
14: Invalid card numberMastercard
Visa		HARD_DECLINEINVALID_CARD_NUMBER
15: No such issuerMastercard
Visa		HARD_DECLINEERROR
19: Re-enter transactionVisaSOFT_DECLINEISSUER_TEMPORARILY_UNAVAILABLE
30: Format errorMastercardSOFT_DECLINEDECLINED
41: (Pickup card) lost cardMastercard
Visa		HARD_DECLINELOST_OR_STOLEN_CARD
43: (Pickup card) stolen cardMastercard
Visa		HARD_DECLINELOST_OR_STOLEN_CARD
46: Closed AccountVisaHARD_DECLINEERROR
51: Insufficient funds / Not Sufficient FundsMastercard
Visa		SOFT_DECLINEINSUFFICIENT_FUNDS
54: Expired card / Expiration date missingMastercard
Visa		HARD_DECLINEEXPIRED_CARD
57: Transaction not permitted to issuer/cardholderMastercard
Visa		HARD_DECLINEERROR
58: Transaction not permitted to acquirerMastercardHARD_DECLINEERROR
59: Suspected fraudVisaHARD_DECLINESUSPECTED_FRAUD
61: Exceeds withdrawal amount limit(s) / Exceeds approval amount limitMastercard
Visa		SOFT_DECLINEWITHDRAWAL_LIMIT_EXCEEDED
62: Restricted cardMastercard
Visa		HARD_DECLINEERROR
63: Security violationMastercardSOFT_DECLINEREFER_TO_CARD_ISSUER
65: Exceeds Withdrawal Frequency LimitMastercard
Visa		SOFT_DECLINEWITHDRAWAL_LIMIT_EXCEEDED
65: Authentication requiredMastercardSOFT_DECLINEAUTHENTICATION_REQUIRED
70: Contact card issuerMastercardSOFT_DECLINEREFER_TO_CARD_ISSUER
76: Invalid/non-existent “To Account” specifiedMastercardHARD_DECLINEERROR
77: Invalid/non-existent “From Account” specifiedMastercardHARD_DECLINEERROR
78: Invalid/nonexistent account specified (general)MastercardHARD_DECLINEERROR
78: Blocked, first usedVisaSOFT_DECLINEREFER_TO_CARD_ISSUER
79: LifecycleMastercardHARD_DECLINEERROR
82: PolicyMastercardHARD_DECLINEERROR
83: Fraud / SecurityMastercardHARD_DECLINESUSPECTED_FRAUD
84: Invalid Authorization LifecycleMastercardHARD_DECLINEERROR
88: Cryptographic failureMastercardHARD_DECLINEERROR
91: Issuer unavailable or switch inoperativeMastercard
Visa		SOFT_DECLINEISSUER_TEMPORARILY_UNAVAILABLE
92: Unable to route transactionMastercardSOFT_DECLINEDECLINED
93: Transaction cannot be completed; violation of lawVisaHARD_DECLINEERROR
96: System malfunctionMastercard
Visa		SOFT_DECLINEISSUER_TEMPORARILY_UNAVAILABLE
R0: Stop Payment OrderVisaHARD_DECLINEERROR
R1: Revocation of Authorization OrderVisaHARD_DECLINEERROR
R3: Revocation of all authorization ordersVisaHARD_DECLINEERROR
N7: Decline for CVV2 FailureVisaHARD_DECLINEERROR
1A: Additional Customer Authentication Required (Europe only)VisaSOFT_DECLINEAUTHENTICATION_REQUIRED