When you process a credit card transaction VeriSign assigns a transaction “result code”, or sometimes a "submission error" to help you understand the results of the transaction. If the transaction result code is anything other than zero (0), the authorization failed.
Here are some possible reasons why a customer's credit card may be declined and possible resolutions.
- If you are entering an address, you only need to enter the street number. Confirm that it doesn't have any special characters or multiple sets of numbers.
- If the customer is using an international card, reference this workaround for international cards instead.
- Call for a Voice Authorization to confirm that you can charge the card.
- Some credit cards can only be processed through certain business types. Contact Intuit Merchant Services at 1-800-558-9558 to confirm they have the correct business type on file for your business
- Have you customer contact their issuing bank to confirm that there is enough balance on the card to cover the transaction.
- If none of the above solutions work, request a different form of payment (or advise your customer to call the customer support phone number on the back of their card for more information.)
Transaction Result Codes - these codes and their meanings are shown below:
- 0: Approved.
- 1: User Authentication Failed. Invalid user or Password. Unable to validate the user account for this transaction.
- 2: Invalid Tender. Your merchant bank account does not support the credit card type that was submitted.
- 3: Invalid Transaction Type. The transaction type referenced by the transaction ID entered is not appropriate for this transaction.
- 4: Invalid Amount.
- 5: Invalid Merchant Information. The processor does not recognize your merchant account information. Contact your merchant bank account services.
- 7: Field Format Error. Invalid information entered.
- 12: Declined. Ask the customer to call the credit card issuer to resolve.
- 13: Referral. The transaction was declined but could be approved with a verbal authorization from the bank that issued the card. To get a referral authorization code, ask the customer to contact the credit card issuer to resolve.
- 19: Original Transaction ID Not Found. The transaction ID you entered for this transaction is not valid.
- 21: Recapture Is Not Allowed. A recapture transaction was submitted for one that has already been captured. You will need to issue a new transaction to capture the funds.
- 22: Invalid ABA Number.
- 23: Invalid Account Number. Please check over the card number and re-submit.
- 24: Invalid Expiration Date. Please check and re-submit.
- 25: Transaction Type Not Mapped to This Host.
- 50: Insufficient Funds Available.
- 99: General Error.
- 100: Invalid Transaction Returned from Host.
- 102: Host Unavailable.
- 103 Error Reading Response from Host.
- 104: Timeout Waiting for Host Response. Please try your transaction again.
- 105: Credit Error. Please make sure you have not already credited this transaction, or that this transaction ID is for a creditable transaction.
- 108: Void Error. Please make sure the transaction ID entered has not already been voided.
- 111: Capture Error. Only authorization transactions can be captured.
- 112 Failed Address Verification Service (AVS) Check. Address and Zip Code do not match.
- 1000 Generic Host Error. This is a generic message returned by your credit card processor.
- 5008 - Industry code is wrong to accept this type of card - contact Merchant Services.
- E4: You have not been set up by your financial institution to accept this type of card. You will need to contact your financial institution to add this card type to your configuration.
- Y: Information Submitted Matches with Information on File with Cardholder's Bank.
- N: Information Submitted Does Not Match Information on File with the Cardholder's Bank.
- X: Cardholder's Bank Does Not Support AVS Checking for This Information.