Payment method decline codes

What are payment method decline codes?

If a payment is rejected, some processors surface the decline reason of the underlying card network or payment method. Where possible, Primer maps these decline reasons to our unified mapping standard. Additionally, to facilitate precise decline analysis across your payment stack, Primer exposes the underlying decline code in a unified way across all supported processors.

Payment method decline codes

Below are the fields we expose on the Payments API when a payment is not successful:

Field	Description	Payment Object fields
Payment Method Result Code	The result code from the payment method or card network, unified across all processors	`statusReason.paymentMethodResultCode` `transactions[x].processorStatusReason.paymentMethodResultCode`
Payment Method Result Message	Human-readable version of the result code, unified across all processors	`statusReason.paymentMethodResultMessage` `transactions[x].processorStatusReason.paymentMethodResultMessage`

These fields are returned in the output of the Payments App in Workflows, as well as the API response and the payment status webhook. For example:

JSON

{
    "status": "DECLINED",
		...
    "statusReason": {
        // Payment method results (here, for Visa)
        "paymentMethodResultCode": "91",
        "paymentMethodResultMessage": "Issuer unavailable or switch inoperative",

        // Primer decline code mapping
        "type": "ISSUER_DECLINED",
        "declineType": "SOFT_DECLINE",
        "code": "ISSUER_TEMPORARILY_UNAVAILABLE"
    },
    "transactions": [
        {

            "processorStatus": "DECLINED",
            ...
            "processorStatusReason": {
                // Payment method results (here, for Visa)
                "paymentMethodResultCode": "91",
                "paymentMethodResultMessage": "Issuer unavailable or switch inoperative",

                // Primer decline code mapping
                "type": "ISSUER_DECLINED",
                "declineType": "SOFT_DECLINE",
                "code": "ISSUER_TEMPORARILY_UNAVAILABLE"
            }
        }
    ]
}

What is the difference between the payment and transaction fields?A Primer payment can have multiple processor transactions.

The payment fields represent the latest/final values
The transaction fields represent the values for that specific processor transaction

For example, if a payment is first declined on Stripe then successfully authorized on Adyen using fallback, the payment level reflects the final successful transaction, while the transaction fields shows all attempts.

These fields are also available in the output of the Payments App in Workflows, enabling you to run specific actions based on the underlying decline reasons.

Supported processors and card networks

The result codes are exposed for payments made with Visa and Mastercard on the following processors:

Stripe
Braintree
Adyen

Please reach out to us directly via our Service Desk if you need support for additional processors.

Card network decline codes

Mastercard

Code	Message
01	Refer to card issuer
03	Invalid merchant
04	Capture card
05	Do not honor
08	Honor with ID
12	Invalid transaction
13	Invalid amount
14	Invalid card number
15	Invalid issuer
30	Format error
41	Lost card
43	Stolen card
46	Closed account
51	Insufficient funds/over credit limit
54	Expired card
55	Invalid PIN
57	Transaction not permitted to issuer/cardholder
58	Transaction not permitted to acquirer/terminal
61	Exceeds withdrawal amount limit
62	Restricted card
63	Security violation
65	Exceeds withdrawal count limit
70	Contact Card Issuer
71	PIN Not Changed
72	Account not yet activated
75	Allowable number of PIN tries exceeded
76	Invalid/nonexistent “To Account” specified
77	Invalid/nonexistent “From Account” specified
78	Invalid/nonexistent account specified (general)
79	Life cycle (Mastercard use only)
80	System not available
81	Domestic Debit Transaction Not Allowed (Regional use only)
82	Policy (Mastercard use only)
83	Fraud/Security (Mastercard use only)
84	Invalid Authorization Life Cycle
86	PIN Validation not possible
87	Purchase Amount Only, No Cash Back Allowed
88	Cryptographic failure
89	Unacceptable PIN—Transaction Declined—Retry
90	Cutoff is in progress
91	Authorization System or issuer system inoperative
92	Unable to route transaction
94	Duplication transaction detected
96	System error
1Z	Authorization System or issuer system inoperative
R0	Stop payment order
R1	Revocation of authorization order
R3	Revocation of all authorizations order

Visa

Code	Message
01	Refer to card issuer
02	Refer to card issuer’s special conditions
03	Invalid merchant
04	Pickup card (no fraud)
05	Do not honor
06	Error
07	Pickup card, special condition (fraud account)
12	Invalid transaction
13	Invalid amount or currency conversion field overflow
14	Invalid account number (no such number)
15	No such issuer
19	Re-enter transaction
30	Format error
31	Bank not supported by switch
34	Suspected fraud
36	Restricted card
39	No credit account
40	Requested function not supported
41	Lost card, pick up (fraud account)
42	Invalid account
43	Stolen card, pick up (fraud account)
44	Lost/stolen card
46	Closed account
51	Insufficient funds / Over credit limit
52	No checking account
53	No savings account
54	Expired card or expiration date is missing
55	Incorrect PIN or PIN missing
57	Transaction not permitted to issuer/cardholder
58	Transaction not permitted to acquirer
59	Suspected fraud
60	Exceeds approval amount limit
61	Exceeds approval amount limit
62	Restricted card (card invalid in region or country)
63	Security violation (source is not correct issuer)
65	Exceeds withdrawal frequency limit
70	PIN data required
75	Allowable number of PIN entry tries exceeded
76	Unsolicited reversal
78	“Blocked, first used” - Transaction from new cardholder, and card not properly unblocked
79	Already reversed (by Switch)
81	Cryptographic error found in PIN
82	Negative Online CAM, dCVV, iCVV, or CVV results
86	Cannot verify PIN
89	Ineligible to receive financial position information (GIV)
91	Issuer unavailable or switch inoperative
92	Financial institution or intermediate network facility cannot be found for routing
93	Transaction cannot be completed; violation of law
94	Request is identified as a duplicate
96	System malfunction
1A	Additional customer authentication required (Europe only)
5C	Transaction not supported/blocked by issuer
6P	Verification data failed
9G	Blocked by cardholder/contact cardholder
N3	Cash service not available
N4	Cash request exceeds issuer limit
N7	Decline for CVV2 failure
P5	Denied PIN unblock - PIN change or unblock request declined by issuer
Q1	Card authentication failed
R0	Stop payment order
R1	Revocation of authorization order
R3	Revocation of all authorizations order

Primer concepts

​What are payment method decline codes?

​Payment method decline codes

​Supported processors and card networks

​Card network decline codes

​Mastercard

​Visa

What are payment method decline codes?

Payment method decline codes

Supported processors and card networks

Card network decline codes

Mastercard

Visa