Skip to content
  • There are no suggestions because the search field is empty.

Credit card decline codes & their descriptions

American Express

TPS

Response Message

Description

701 HONOR W/ID Honor with identification
702 DECLINED Declined by issuer
703 CARD EXPIRED Expiration date check failed
704 CALL SERVICE CENTER Please call card issuer
705 FORMAT - MERCHANT Format error - invalid merchant ID
706 FORMAT - AMOUNT Format error - invalid amount
707 FORMAT - ACCOUNT Format error - invalid account number
708 TRAN NOT ALLOWED Service not valid
709 FORMAT - BAD CARD Invalid card security code (CID)
710 DECLINED Invalid effective date on card
711 FORMAT ERROR Format error
712 NETWK NOT AVAILABLE Network unavailable - please wait
713 FORMAT - CURRENCY Invalid currency code
714 PICK UP CARD Decline - pick up card
715 INVALID TRAN Invalid transaction for network
716 FORMAT ERROR Format error
717 NETWK NOT AVAILABLE Host/card issuer not available

 

VISA

TPS

Response Message

Description

601 CALL OPER Refer to card issuer
602 CALL OPER Refer to card issuer, special condition
603 INV MERCHANT Invalid merchant
604 PICK UP CARD Pick up card
605 TRANS DENIED Do not honor
606 TRANS DENIED One or more errors in message
607 PICK UP CARD Pick up card (special condition)
611 APP FOR VIP VIP approval
612 INV TRANS Invalid transaction
613 INV DOLLAR AMT Invalid amount
614 TRANS DENIED Invalid cardholder account
615 INV ISSUER No such issuer
619 RE-ENTER TRANSACTION Re-enter transaction
621 NO ACTION TAKEN No action taken, unable to back out prior transaction
625 TRANS DENIED Unable to locate record in file
628 TRANS DENIED File is unavailable
630 FORMAT ERROR Format error
639 TRANS DENIED No credit account
640 FUNCTION NOT AVAIL Requested function not supported
641 PICK UP CARD Lost card - pick up
643 PICK UP CARD Stolen card - pick up
651 TRANS DENIED Insufficient funds
652 TRANS DENIED No checking account
653 TRANS DENIED No savings account
654 CARD EXPIRED Expired card
655 INVALID PIN Incorrect PIN
657 TRANS NOT ALLOW Transactions not allowed to cardholder
658 TRANS NOT ALLOW Transactions not allowed to terminal
661 EXCEEDS MAX AMT Exceeds withdrawal/approval amount limits
662 TRANS DENIED Restricted card
663 TRANS DENIED Security violation
665 TRANS DENIED Activity count limit exceeded
675 TRANS DENIED Allowable number of PIN entry tries exceeded
676 INV REF NUMBER Unable to locate previous message
677 DATA INCONSISTENT Previous message located for repeat/reversal, but data inconsistent
679 TRANS DENIED Already reversed by switch
680 INVALID DATE Invalid date
681 TRANS DENIED Cryptographic error found in PIN or CVV
682 TRANS DENIED Incorrect CVV
683 INCORRECT PIN Unable to verify PIN
684 TRANS DENIED Time limit for a pre-authorization is to long
685 NOT DECLINED No reason to decline AVS request
686 TRANS DENIED Cannot verify PIN
687 RECON TOTAL STOPPED Reconciliation totaling has stopped for current settlement day
688 NO TOTALS TRY LATER Switch cannot provide totals now, try again in 30 minutes
689 GIV TRANS DENIED Ineligible to receive financial position information (GIV)
691 AUTH DOWN Issuer/switch inoperative
692 AUTH DOWN Financial Inst facility cannot be found for routing
693 TRANS NOT ALLOW Illegal transaction - violation of law
696 AUTH DOWN System Malfunction
697 CVV2 DATA MISSING Transaction did not contain CVV2 data - retry
698 STOP PAYMENT ORDER Recurring payment - cardholder requested specific payment stopped
699 REVOKE AUTH ORDER Recurring payment - cardholder requested specific payment stopped
800 AVS MATCH Exact Match of address and 9 digit zip code
801 AVS MATCH Match of address and 5 digit zip code
802 AVS MATCH - ZIP Match of 5 digit code only address does not match
803 AVS MATCH - ADDRESS Match of address only zip code does not match
804 AVS MATCH - ZIP ONLY Match of 9 digit zip only address does not match
805 NO MATCH Neither address or zip code matched
806 RETRY System is unavailable or has timed out
807 SERVICE UNSUPPORTED AVS service is unsupported by issuer
808 DATA UNAVAILABLE Address info is unavailable
809 AVS NOT SUPPORTED Issuer does not support AVS
810 ADDRESS MATCH ONLY International address matches, but postal code format incompatible
811 NOT VERIFIED International address and postal code are in incompatible format
812 AVS MATCH International address and postal code both match.
813 NOT VERIFIED International address not verified.
814 AVS MATCH International addresses and postal codes match
815 AVS MATCH - ZIP Match of international postal code only. Address format incompatible. 
616 NEW ACCT INFO Recurring payment - new account info available
617 CANNOT APPROVE Recurring payment - cannot approve
618 DO NOT TRY AGAIN Recurring payment - do not try again
637 DO NOT TRY AGAIN Recurring payment - Obtain another type of payment from customer
819 TRANS DENIED5 Token requirements not fulfilled for this token type

Mastercard

TPS

Response Message

Description

601 CALL OPER Refer to card issuer
603 NV MERCHANT Invalid merchant
604 PICK UP CARD Pick up card
605 TRANS DENIED Do not honor
608 HONOR WITH ID Honor with identification
612 INV TRANS Invalid transaction
613 INV DOLLAR AMT Invalid dollar amount
614 TRANS DENIED Invalid cardholder account
615 INV ISSUER No such issuer
625 TRANS DENIED Unable to locate record
627 FILE UPDATE ERR File update field edit error
630 FORMAT ERROR Format error
640 FUNCTION NOT AVAIL Requested function not supported
641 PICK UP CARD Lost card - pick up
643 PICK UP CARD Stolen card - pick up
651 TRANS DENIED Insufficient funds
654 CARD EXPIRED Expired card
655 INVALID PIN Incorrect PIN
657 TRANS NOT ALLOW Transactions not allowed to cardholder
658 TRANS NOT ALLOW Transactions not allowed to terminal
661 EXCEEDS MAX AMT Exceeds purchase limits
662 TRANS DENIED Restricted card
663 TRANS DENIED Security violation
665 TRANS DENIED Account activity limit exceeded
668 RESPONSE LATE Response received late
670 CONTACT CARD ISSUER Contact the card issuer
675 TRANS DENIED Exceeded PIN tries - no capture
676 BAD "TO" ACCT Invalid/non-existent "to" account specified
677 BAD "FROM" ACCT Invalid/non-existent "from" account specified
678 BAD GENERAL ACCT Invalid non-existent account specified (general)
679 KEY EXCHG FAILED Key exchange validation failed
680 DUPLICATE ADD Duplicate add - action not performed
684 BAD LIFE CYCLE Invalid authorization life cycle
685 NOT DECLINED No reason to decline
691 AUTH DOWN Issuer/switch inoperative
692 AUTH DOWN Unable to route transaction
694 DUPLICATE TRANS Duplicate transmission detected
696 AUTH DOWN System malfunction
697 CVV2 DATA MISSING Transaction did not contain CVV2 data - retry
698 STOP PAYMENT Stop payment order
699 RECUR REVOCATION Recurring payment revocation of authorization order
809 NEW ACCT INFO AVAIL Recurring payment - Obtain new account information before the next billing cycle.
810 TRY AGAIN LATER Recurring payment - Recycle the transaction 72 hours later.
811 DO NOT TRY AGAIN Recurring payment - Obtain another type of payment from customer.

 

Discover

TPS

Response Message

Description

701 CALL VOICE OPERATOR Call for Authorization
702 CALL VOICE OPERATOR Call for Authorization
703 INV MERCHANT Invalid Merchant
704 PICK UP CARD Pick up card - No Fraud
705 TRANS DENIED Do Not Honor
707 PICK UP CARD Pick up card (Special Condition) (Fraud Account)
708 HONOR WITH ID Honor with ID
712 INVALID TRANS Invalid Transaction
713 AMOUNT ENTRY ERROR Invalid Amount
714 INVALID CARD NUMBER Invalid Card Number
715 INVALID CARD NUMBER Invalid Card Number Prefix
719 RE-ENTER TRANS Re-enter Transaction
730 MESSAGE FORMAT ERROR Message Format Error
731 BANK NOT SUPPORTED Bank not supported by switch. MID not valid for processing
733 EXP CARD-CALL CENTER Expired Card - Call Center
734 SUSPECTED FRAUD Suspected Fraud - Call Center
735 ACCPTOR CONTACT REQD Card Acceptor Contact Required
736 RESTRICTED CARD Restricted Card - Call Center
737 CALL ACQUIRER SECURTY Call Center
738 AUTH DECLINED Declined PIN attempts
739 NO CREDIT ACCOUNT No Credit Account
740 CALL VOICE OPERATOR Call for authorization function not available
741 HOLD - CALL Pick up - lost card
743 HOLD - CALL Pick up - stolen card
751 AUTH DECLINED Declined - over limit account
753 INVALID ACCOUNT # Declined - No Savings Account
754 EXPIRED CARD Expired card
755 INVALID PIN Invalid PIN
756 NO CARD RECORD No card record
757 AUTH DECLINED Transaction not permitted to issuer/cardholder
758 INVALID TERMINAL ID Merchant closed or merchant not authorized for authorization type
759 DO NOT HONOR Do not honor - Suspected Fraud
760 CONTACT ACQUIRER Card acceptor contact acquirer
761 AUTH DECLINED Exceeds withdrawal limit
762 RESTRICTED CARD Declined - Authorization prohibited
763 SECURITY VIOLATION Security violation
764 ORIG. AMT INCORRECT Original amount incorrect
765 AUTH DECLINED Exceeds withdrawal limit Count limit
766 CALL ACQUIRER SECUR. Card acceptor contact acquirer's security
767 HARD CAPTURE Hard capture (Requires ATM pickup)
768 RESP. REC. TOO LATE Response received too late
775 AUTH DECLINED Allowable number of PIN tries exceeded
776 INVALID "TO" ACCT Invalid/Nonexistent "to" Account
777 INVALID "FROM" ACCT Invalid/Nonexistent "From" Account
778 INVALID ACCT Invalid/Nonexistent Account Specified
783 AUTH DECLINED Domain Restriction Controls Fail
787 NETWORK UNAVAILABLE Network Unavailable
791 CALL VOICE OPERATOR Call for authorization - network problems
792 UNABLE TO ROUTE Unable to route transaction
793 AUTH DECLINED Declined - transaction in violation of law
794 CALL VOICE OPERATOR Call for authorization - duplicate authorization request
796 CALL VOICE OPERATOR Call for authorization - system malfunction
699 REVOKE AUTH ORDER Recurring payment - cardholder requested specific payment stopped
800 AVS MATCH Exact Match of address and 9 digit zip code
801 AVS MATCH Match of address and 5 digit zip code
802 AVS MATCH - ZIP Match of 5 digit code only address does not match
803 AVS MATCH - ADDRESS Match of address only zip code does not match
804 AVS MATCH - ZIP ONLY Match of 9 digit zip only address does not match
805 NO MATCH Neither address or zip code matched
806 RETRY System is unavailable or has timed out
807 SERVICE UNSUPPORTED AVS service is unsupported by issuer
808 DATA UNAVAILABLE Address info is unavailable
809 AVS NOT SUPPORTED Issuer does not support AVS
810 ADDRESS MATCH ONLY International address matches, but postal code format incompatible
811 NOT VERIFIED International address and postal code are in incompatible format
812 AVS MATCH International address and postal code both match.
813 NOT VERIFIED International address not verified.
814 AVS MATCH International addresses and postal codes match
815 AVS MATCH - ZIP Match of international postal code only. Address format incompatible. 
616 NEW ACCT INFO Recurring payment - new account info available
617 CANNOT APPROVE Recurring payment - cannot approve
618 DO NOT TRY AGAIN Recurring payment - do not try again
637 DO NOT TRY AGAIN Recurring payment - Obtain another type of payment from customer.
819 TRANS DENIED5 Token requirements not fulfilled for this token type

 

Need help? Email us at support@passare.com or call (800) 692-5111.