Processor Decline Codes

Vantiv

Below is a list of possible decline codes you may receive when attempting to process a transaction using the Vantive (VAP) processor:

Click here to see all Vantiv Decline Codes

Code	Message	Decline Type	Description
001	Transaction Received	Info	This is sent to acknowledge that the submitted transaction has been received. Note: This response applies only to V10.x versions of the API.
000	Approved	Approved	No action required.
010	Partially Approved	Approved	The authorized amount is less than the requested amount.
011	Offline Approval	Approved	Offline approval issued while the terminal is unable to communicate with the issuer.
013	Offline Approval (unable to go online)	Approved	Offline approval issued while the terminal is unable to communicate with the issuer.
100	Processing Network Unavailable	Soft Decline	There is a problem with the card or PINless Debit network. Contact the network for more information.
101	Issuer Unavailable	Soft Decline	There is a problem with the issuer network. Please contact the issuing bank.
102	Re-submit Transaction	Soft Decline	There is a temporary problem with your submission. Please re-submit the transaction.
103	Merchant not configured for processing at this site	Soft Decline	You submitted the transaction to a Hot-Hot URL, but are not configured for multi-site processing.
108	Try again later	Soft	We were unable to process the transaction due to a transitory communication issue to an internal or external service. Please try submitting the transaction again.
110	Insufficient Funds	Soft Decline	The card does not have enough funds to cover the transaction.
111	Authorization amount has already been depleted	Hard Decline	The total amount of the original Authorization has been used. Appears in Declined Transaction report.
112	Insufficient Funds, Retry after 1 hour	Soft Decline	You should retry the transaction after waiting 1 hour.
113	Insufficient Funds, Retry after 24 hour	Soft Decline	You should retry the transaction after waiting 24 hours.
114	Insufficient Funds, Retry after 2 days	Soft Decline	You should retry the transaction after waiting 2 days.
115	Insufficient Funds, Retry after 4 days	Soft Decline	You should retry the transaction after waiting 4 days.
116	Insufficient Funds, Retry after 6 days	Soft Decline	You should retry the transaction after waiting 6 days.
117	Insufficient Funds, Retry after 8 days	Soft Decline	You should retry the transaction after waiting 8 days.
118	Insufficient Funds, Retry after 10 days	Soft Decline	You should retry the transaction after waiting 10 days.
120	Call Issuer	Soft Decline	There is an unspecified problem, contact the issuing bank.
121	Call AMEX	Referral	There is an unspecified problem; contact AMEX.
122	Call Diners Club	Referral	There is an unspecified problem; contact Diners Club.
123	Call Discover	Referral	There is an unspecified problem; contact Discover.
124	Call JBS	Referral	There is an unspecified problem; contact JBS.
125	Call Visa/Mastercard	Referral	There is an unspecified problem; contact Visa or Mastercard.
126	Call Issuer - Update Cardholder Data	Referral	Some data is out of date; contact the issuer to update this information.
127	Exceeds Approval Amount Limit	Soft Decline	This transaction exceeds the daily approval limit for the card.
130	Call Indicated Number	Referral	There is an unspecified problem; contact the phone number provided.
131	Unacceptable PIN - Transaction declined - Retry	Soft Decline	There is an unspecified problem with the submitted PIN. Confirm value and retry.
132	PIN not changed	Soft Decline	The PIN did not change. Please retry.
140	Update Cardholder Data	Referral	Cardholder data is incorrect; contact the issuing bank.
141	Consumer non-reloadable prepaid card	Soft	The submitted card number indicates a non-reloadable, prepaid card.
142	Consumer single-use virtual card number	Soft	The submitted card number indicates a single-use virtual card.
143	Merchant doesn't qualify for product code	Soft Decline
145	Lifecycle	Hard or Soft Decline	This is a Mastercard specific decline code associated with the MAC (Merchant Advice Code). The MAC value is either unknown or null. Contact the issuing bank for additional information.
146	Policy	Hard or Soft Decline	This is a Mastercard specific decline code associated with the MAC (Merchant Advice Code). The MAC value is either unknown or null. Contact the issuing bank for additional information.
147	Fraud/Security	Hard or Soft Decline	This is a Mastercard specific decline code associated with the MAC (Merchant Advice Code). The MAC value is either unknown or null. Contact the issuing bank for additional information.
148	Invalid or expired card; contact cardholder to update	Soft Decline	The card is invalid or expired. Contact cardholder to update information.
149	Invalid transaction or card restriction; verify information and resubmit	Soft Decline	The transaction is not permitted, or the card is not available for use. Verify the information and resubmit the transaction.
150	Original transaction found.	Info	A Query transaction response indicating that the original transaction was found.
151	Original transaction not found.	Info	A Query transaction response indicating that the original transaction was not found.
152	Original transaction found, but response not yet available.	Info	A Query transaction response indicating that the original transaction was found, but the final response information is not yet available.
153	Query transaction not enabled.	Info	A Query transaction response indicating that you are not enabled for use of the Query transaction.
154	At least one of `origId` or `origCnpTxnId` is required	Soft Decline	When submitting a Query transaction, you must include either the `origId` or `origCnpTxnId`.
155	`origCnpTxnId` is required when `showStatusOnly` is used	Soft Decline	When submitting a Query transaction with the `showStatusOnly` flag set to Y, you must include the `origCnpTxnId` element.
156	Incremental Auth not supported	Hard Decline	This method of payment does not support incremental auths.
157	Set authIndicator to Incremental	Soft Decline	You set the authIndicator in the initial auth to Estimated. You must set the authIndicator in any subsequent auths to Incremental.
158	Incremental value for authIndicator not allowed in this auth structure	Soft Decline	You used the message structure for an initial auth. Resubmit the transaction using the message structure for an incremental auth.
159	Cannot request an Incremental auth if original auth not set to Estimated	Hard Decline	You cannot submit an incremental auth if the initial auth did not include an authIndicator value of Estimated.
161	Transaction must reference the Estimated auth	Soft Decline	Resubmit the transaction using the cnpTxnId from the initial, estimated auth.
162	Incremented auth exceeds max transaction amount	Hard Decline	The incremental auth increased the transaction total to a value above the maximum transaction amount allowed.
170	Submitted MCC not allowed	Hard Decline	The allowed MCC white list does not include the submitted MCC. Resubmit the transaction with an allowed MCC, or ask your Relationship Manager about adding the submitted MCC to the white list.
191	The merchant is not registered in the update program.	N/A	This is an Account Updater response indicating a set-up problem that must be resolved prior to submitting another request file. Escalate this to your Relationship Manager.
192	Merchant not certified/enabled for IIAS	Hard Decline	Your organization is not certified or enabled for IIAS/FSA transactions.
206	Issuer Generated Error	Soft Decline	An unspecified error was returned by the issuer. Please retry the transaction and if the problem persist, contact the issuing bank.
207	Pickup card - Other than Lost/Stolen	Hard Decline	The issuer indicated that the gift card should be removed from use.
209	Invalid Amount	Hard Decline	The specified amount is invalid for this transaction.
211	Reversal Unsuccessful	Hard Decline	The reversal transaction was unsuccessful.
212	Missing Data	Hard Decline	Contact your Relationship Manager.
213	Pickup Card - Lost Card	Hard Decline	The submitted card was reported as lost and should be removed from use.
214	Pickup Card - Stolen Card	Hard Decline	The submitted card was reported as stolen and should be removed from use.
215	Restricted Card	Hard Decline	The specified Gift Card is not available for use.
216	Invalid Deactivate	Hard Decline	The Deactivate transaction is invalid for the specified card.
217	Card Already Active	Hard Decline	The submitted card is already active.
218	Card Not Active	Soft Decline	The submitted card has not been activated.
219	Card Already Deactivate	Hard Decline	The submitted card has already been deactivated.
221	Over Max Balance	Hard Decline	The activate or load amount exceeds the maximum allowed for the specified gift Card.
222	Invalid Activate	Hard Decline	The activate transaction is not valid or can no longer be reversed.
223	No transaction Found for Reversal	Hard Decline	The transaction referenced in the reversal transaction does not exist.
226	Incorrect CVV	Hard Decline	The transaction was declined because it was submitted with the incorrect security code.
229	Illegal Transaction	Soft Decline	The transaction would violate the law.
251	Duplicate Transaction	Hard Decline	The transaction is a duplicate of a previously submitted transaction. Appears in Declined Transaction report.
252	System Error	Hard Decline	Contact your Relationship Manager.
253	Deconverted BIN	Hard Decline	The BIN is no longer valid.
254	Merchant Depleted	Hard Decline	No balance remains on gift Card.
255	Gift Card Escheated	Hard Decline	The Gift Card has been seized by the government while resolving an estate.
256	Invalid Reversal Type for Credit Card Transaction	Hard Decline	You attempted to use a Closed Loop Gift Card reversal transaction to reverse a credit card transaction. For example, you cannot use a Deposit Reversal transaction to reverse a Capture. To reverse a credit card Capture transaction, use a Credit transaction.
257	System Error (message format error)	Hard Decline	Issuer reported message format is incorrect. Contact your Relationship Manager.
258	System Error (cannot process)	Hard Decline	Issuer reported transaction could not be processed. Contact your Relationship Manager.
271	Refund rejected due to pending deposit status	Soft Decline	The refund is tied to a deposit that is still in pending state or the state is in doubt. You can retry the refund at a later time.
272	Refund rejected due to declined deposit status	Hard Decline	The refund is tied to a deposit that failed.
273	Refund rejected by the processing network	Soft Decline	The refund is tied to a deposit that succeeded, but was declined by PayPro.
284	Capture, Credit and AuthReversal tags cannot be used for Gift Card Transactions	Hard Decline	You must use the Gift Card version of these transactions for Gift Cards (i.e., giftCardCapture, giftCardCredit, and giftCardAuthReversal).
301	Invalid Account Number	Hard Decline	The account number is not valid; contact the cardholder to confirm information or inquire about another form of payment.
302	Account Number Does Not Match Payment Type	Hard Decline	The payment type was selected as one card type (e.g. Visa), but the card number indicates a different card type (e.g. Mastercard).
303	Pick Up Card	Hard Decline	This is a card present response, but in a card not present environment. Do not process the transaction and contact the issuing bank.
304	Lost/Stolen Card	Hard Decline	The card has been designated as lost or stolen; contact the issuing bank.
305	Expired Card	Soft Decline	The card is expired.
306	Authorization has expired; no need to reverse	Hard Decline	The original Authorization is no longer valid, because it has expired. You can not perform an Authorization Reversal for an expired Authorization. Appears in Declined Transaction report.
307	Restricted Card	Soft Decline	The card has a restriction preventing approval for this transaction. Please contact the issuing bank for a specific reason. You may also receive this code if the transaction was declined due to FraudSight Prior Fraud Advice Filtering and you are using a schema version V8.10 or older.
308	Restricted Card - Chargeback	Hard Decline	This transaction is being declined due the operation of the FraudSight Prior Chargeback Card Filtering Service or the card has a restriction preventing approval if there are any chargebacks against it.
309	Restricted Card - Prepaid Card Filtering Service	Hard Decline	This transaction is being declined due the operation of the FraudSight Prepaid Card Filtering service.
310	Invalid track data	Hard Decline	The track data is not valid.
311	Deposit is already referenced by a chargeback	Hard Decline	The deposit is already referenced by a chargeback; therefore, a refund cannot be processed against the original transaction. Appears in Declined Transaction report.
312	Restricted Card - International Card Filtering Service	Hard Decline	This transaction is being declined due the operation of the FraudSight International Card Filtering Service.
313	International filtering for issuing card country <country> (where <country> is the 3-character country code)	Hard Decline	This is returned when the transaction involves a US based merchant processing Canadian transactions has a transaction that uses a US card.
315	Restricted Card - Auth Fraud Velocity Filtering Service	Hard Decline	This transaction is being declined due the operation of the FraudSight Auth Fraud Velocity Filtering Service.
316	Automatic Refund Already Issued	Hard Decline	This refund transaction is a duplicate for one already processed automatically by the Fraud Chargeback Prevention Service (FCPS). Appears in Declined Transaction report.
317	Restricted Card - card under sanction	Hard Decline	The submitted card is under sanction and cannot be processed.
318	Restricted Card - Auth Fraud Advice Filtering Service	Hard Decline	This transaction is being declined due the operation of the Auth Fraud Advice Filtering Service.
319	Restricted Card - Fraud AVS Filtering Service	Hard Decline	This transaction is being declined due the operation of the FraudSight Auth Fraud AVS Filtering Service.
320	Invalid Expiration Date	Hard Decline	The expiration date is invalid
321	Invalid Merchant	Soft Decline	The card is not allowed to make purchases from this merchant (e.g. a Travel only card trying to purchase electronics).
322	Invalid Transaction Note: If you are enabled for Transaction Filtering, but have not upgraded to use schema version 8.3 or above, the system returns this code for transactions filtered by the Prepaid or International Card Filtering Service. If you are enabled for Velocity Fraud Filtering, but have not upgraded to V8.9, you will receive this code for filtered transactions. If you are enabled for AVS Fraud Filtering, but have not upgraded to V8.13, you will receive this code for filtered transactions.	Hard Decline	The transaction is not permitted; contact the issuing bank. The system also returns this code if you attempt to use a Void transaction to cancel a Gift Card transaction.
323	No such issuer	Hard Decline	The card number references an issuer that does not exist. Do not process the transaction.
324	Invalid Pin	Soft Decline	The PIN provided is invalid. Appears in Declined Transaction report
325	Transaction not allowed at terminal	Soft Decline	The transaction is not permitted; contact the issuing bank.
326	Exceeds number of PIN entries	Hard Decline	(Referring to a debit card) The incorrect PIN has been entered excessively and the card is locked.
327	Cardholder transaction not permitted	Hard Decline	Merchant does not allow that card type or specific transaction.
328	Cardholder requested that recurring or installment payment be stopped	Hard Decline	Recurring/Installment Payments no longer accepted by the card issuing bank.
330	Invalid Payment Type	Hard Decline	This payment type is not accepted by the issuer.
331	Invalid POS Capability for Cardholder Authorized Terminal Transaction	Hard Decline	For a Cardholder Authorized Terminal Transaction the POS capability must be set to magstripe.
332	Invalid POS Cardholder ID for Cardholder Authorized Terminal Transaction	Hard Decline	For a Cardholder Authorized Terminal Transaction the POS Cardholder ID must be set to nopin.
335	This method of payment does not support authorization reversals	Hard Decline	You can not perform an Authorization Reversal transaction for this payment type.
336	Reversal amount does not match Authorization amount.	Hard Decline	For a merchant initiated reversal against an American Express authorization, the reversal amount must match the authorization amount exactly.
337	Transaction did not convert to Pinless	Soft Decline	Retry the transaction.
340	Invalid Amount	Soft Decline	The transaction amount is invalid (too high or too low). For example, less than 0 for an authorization, or less than .01 for other payment types.
341	Invalid Healthcare Amounts	Hard Decline	The amount submitted with this FSA/Healthcare transaction is invalid. The FSA amount must be greater than 0, and cannot be greater than the transaction amount.
346	Invalid billing descriptor prefix	Hard Decline	The billing descriptor prefix submitted is not valid. Appears in Declined Transaction report.
347	Invalid billing descriptor	Hard Decline	The billing descriptor is not valid because you are not authorized to send transactions with custom billing fields. Appears in Declined Transaction report.
348	Invalid Report Group	Hard Decline	The Report Group specified in the transaction is invalid, because it is either not in the defined list of acceptable Report Groups or there is a mis-match between the Report Group and the defined Billing Descriptor.
349	Do Not Honor	Soft Decline	The issuing bank has put a temporary hold on the card.
350	Generic Decline	Soft or Hard Decline	There is an unspecified problem; contact the issuing bank for more details. Note: This code can be a hard or soft decline, depending on the method of payment, and other variables.
351	Decline - Request Positive ID	Hard Decline	Card Present transaction that requires a picture ID match.
352	Decline CVV2/CID Fail	Soft Decline	The CVV2/CID is invalid.
354	3-D Secure transaction not supported by merchant	Hard Decline	You are not certified to submit 3-D Secure transactions.
356	Invalid purchase level III, the transaction contained bad or missing data	Soft Decline	Submitted Level III data is bad or missing.
357	Missing healthcareIIAS tag for an FSA transaction	Hard Decline	The FSA Transactions submitted does not contain the <healtcareIIAS> data element.
358	Restricted by Vantiv due to security code mismatch.	Hard Decline	The transaction was declined due to the security code (CVV2, CID, etc) not matching.
360	No transaction found with specified Transaction Id	Hard Decline	There were no transactions found with the specified Transaction Id. Appears in Declined Transaction report.
361	Authorization no longer available	Hard Decline	The authorization for this transaction is no longer available. Either the authorization has already been consumed by another capture, the authorization has expired, or the cardholder revoked the authorization. Appears in Declined Transaction report.
362	Transaction Not Voided - Already Settled	Hard Decline	This transaction cannot be voided; it has already been delivered. Appears in Declined Transaction report.
363	Auto-void on refund	Hard Decline	This transaction (both capture and refund) has been voided. Appears in Declined Transaction report.
364	Invalid Account Number - original or NOC updated eCheck account required	Hard Decline	The submitted account number is invalid. Confirm the original account number or check NOC for new account number.
365	Total credit amount exceeds capture amount	Hard Decline	The amount of the credit is greater than the capture, or the amount of this credit plus other credits already referencing this capture are greater than the capture amount. Appears in Declined Transaction report.
366	Exceed the threshold for sending redeposits	Hard Decline	NACHA rules allow two redeposit attempts within 180 days of the settlement date of the initial deposit attempt. This threshold has been exceeded. Appears in Declined Transaction report.
367	Deposit has not been returned for insufficient/non-sufficient funds	Hard Decline	NACHA rules only allow redeposit attempts against deposits returned for Insufficient or Uncollected Funds. Appears in Declined Transaction report.
368	Invalid check number	Soft Decline	The check number is invalid.
369	Redeposit against invalid transaction type	Hard Decline	The redeposit attempted against an invalid transaction type. Appears in Declined Transaction report.
370	Internal System Error - Call Vantiv	Hard Decline	There is a problem with the system. Contact your Relationship Manager.
371	Original Transaction has been Processed - Future Redeposits Canceled	Hard Decline	Do not send additional redeposit transactions, since the original transaction was processed. Appears in Declined Transaction report.
372	Soft Decline - Auto Recycling In Progress	Soft Decline	The transaction was intercepted because it is being auto recycled by the Recycling Engine. While designated a Soft Decline, the system always intercepts submitted transactions, while the Recycling Engine is active.
373	Hard Decline - Auto Recycling Complete	Hard Decline	The transaction was intercepted because auto recycling has completed with a final decline.
375	Merchant is not enabled for surcharging	Hard Decline	The submitted transaction contained a surcharge and the merchant is not enabled for surcharging.
376	This method of payment does not support surcharging	Hard Decline	The use of a surcharge is only allowed for Visa and Mastercard methods of payment.
377	Surcharge is not valid for debit or prepaid cards	Hard Decline	You cannot apply a surcharge to a transaction using a debit or prepaid card.
378	Surcharge cannot exceed 4% of the sale amount	Hard Decline	The surcharge in the submitted transaction exceeded 4% maximum allowed for a surcharge.
379	Transaction declined by the processing network	Hard Decline	The SEPA Direct Debit processing network declined the transaction for unspecified reasons. Some possible reasons are: insufficient funds, IBAN/Name disagreement, red flag on account, etc.
380	Secondary amount cannot exceed the sale amount	Hard Decline	The secondary amount exceeded the sale amount in the submitted transaction.
381	This method of payment does not support secondary amount	Hard Decline	The submitted method of payment does not allow the use of Convenience Fees.
382	Secondary amount cannot be less than zero	Hard Decline	The secondary amount must be a positive integer.
383	Partial transaction is not supported when including a secondary amount	Hard Decline	Transactions set to allow partial authorizations cannot include a secondary amount.
384	Secondary amount required on partial refund when used on deposit	Hard Decline	If the associated sale or capture transaction included a secondary amount, an associated partial refund must include a secondary amount.
385	Secondary amount not allowed on refund if not included on deposit	Hard Decline	If the associated sale or capture transaction did not included a secondary amount, you cannot include a secondary amount on an associated refund.
386	Processing Network Error	Soft Decline	Worldpay is experiencing issues communicating with the SEPA Direct Debit network. Please retry the transaction.
401	Invalid E-mail	Hard Decline	The e-mail address provided is not valid. Verify that it was entered correctly.
469	Invalid Recurring Request - See Recurring Response for Details	Hard Decline	The Recurring Request was invalid, which invalidated the transaction. The Response Code and Message in the Recurring Response contains additional information.
470	Approved - Recurring Subscription Created	Approved	The recurring request was processed successfully.
471	Parent Transaction Declined - Recurring Subscription Not Created	Hard Decline	The original payment transaction was declined, so the recurring payments have not been scheduled. Appears in Declined Transaction report.
472	Invalid Plan Code	Hard Decline	The plan specified in the recurring request was invalid.
473	Scheduled Recurring Payment Processed	Approved	The scheduled recurring payment has been processed successfully.
475	Invalid Subscription Id	Hard Decline	The referenced subscription Id does not exist. Appears in Declined Transaction report.
476	Add On Code Already Exists	Hard Decline	The specified Add On code already exists. Appears in Declined Transaction report.
477	Duplicate Add On Codes in Requests	Hard Decline	Multiple createAddOn requests submitted with the same Add On Code.
478	No Matching Add On Code for the Subscription	Hard Decline	The Add On code specified does not exist. Appears in Declined Transaction report.
480	No Matching Discount Code for the Subscription	Hard Decline	The Discount Code supplied in the updateDiscount or deleteDiscount transaction does not exist. Appears in Declined Transaction report.
481	Duplicate Discount Codes in Request	Hard Decline	Multiple createDiscount requests submitted with the same Discount Code.
482	Invalid Start Date	Hard Decline	The supplied Start Date is invalid.
483	Merchant Not Registered for Recurring Engine	Hard Decline	You are not registered for the use of the Recurring Engine.
484	Insufficient data to update subscription	Hard Decline	The transaction did not include data needed for update operation.
485	Invalid Billing Date	Hard Decline	The submitted billing date is either before the current date or otherwise invalid.
486	Discount Code Already Exists	Hard Decline	The specified Discount code already exists.
487	Plan Code already exists	Hard Decline	The specified Plan Code already exists.
500	The account number was changed	Hard Decline	An Account Updater response indicating the Account Number changed from the original number.
501	The account was closed	Hard Decline	The account was closed. Contact the cardholder directly for updated information.
502	The expiration date was changed	N/A	An Account Updater response indicating the Expiration date for the card has changed.
503	The issuing bank does not participate in the update program	N/A	An Account Updater response indicating the issuing bank does not participate in the update program
504	Contact the cardholder for updated information	N/A	An Account Updater response indicating you should contact the cardholder directly for updated information.
505	No match found	N/A	An Account Updater response indicating no match was found in the updated information.
506	No changes found	N/A	An Account Updater response indicating there have been no changes to the account information.
507	The cardholder has opted out of the update program	N/A	The cardholder requested that no updates be included for their account.
521	Soft Decline - Card reader decryption service is not available	Soft Decline	The connection to the decryption service is currently unavailable. Please retry the transaction and/or contact your Relationship Manager.
523	Soft Decline - Decryption failed	Soft Decline	Our attempt to decrypt the card information failed. Please retry the transaction.
524	Hard Decline - Input data is invalid.	Hard Decline	The submitted data is invalid.
530	Apple Pay Key Mismatch	Hard Decline	The submitted publicKeyHash element does not match any configured entries. Contact your Implementation Consultant.
531	Apple Pay Decryption Failed	Hard Decline	Worldpay was unable to decrypt the submitted information.
540	Hard Decline - Decryption Failed	Hard Decline	Worldpay was unable to decrypt the submitted card number and/or CVV.
550	Advanced Fraud Filter Score Below Threshold	Hard Decline	The transaction was declined because the resulting FraudSight Fraud Filter Score was below the acceptable threshold set in the merchant’s policy.
555	Suspected Fraud	Soft Decline	The issuing bank declined the transaction as suspected fraud.
560	System Error - Contact Worldpay representative	Soft Decline	There was an unspecified problem with the transaction. Please contact your Worldpay Relationship Manager.
561	Amazon Pay - Amazon Unavailable	Soft Decline	Amazon was unavailable. Please retry the transaction.
562	Amazon Pay - Amazon Declined	Hard Decline	Amazon declined the transaction.
563	Amazon Pay - Invalid Token	Hard Decline	The submitted Amazon token is invalid or you do not have access to this token. Please correct the token value before resubmitting the transaction.
564	Merchant not enabled for Amazon Pay	Hard Decline	Your organization is not enabled for the use of Amazon Pay. Please contact your Relationship Manager.
601	Soft Decline - Primary Funding Source Failed	Soft Decline	A PayPal response indicating the transaction failed due to an issue with primary funding source (e.g. expired Card, insufficient funds, etc.).
NOTE: The Response Message associated with Response Code 602 is inaccurate due to a remapping of PayPal Response Codes. Please read the description below for the recommended action when receiving Response Code 602.
602	Soft Decline - Buyer has alternate funding source	Soft Decline	The transaction could not be completed for one of the following reasons: The billing address associated with the financial Instrument could not be confirmed. The transaction exceeds the card limit. The transaction was denied by the card issuer. You should establish error handling logic that directs the customer to contact PayPal to resolve the issue with their account.
610	Hard Decline - Invalid Billing Agreement Id	Hard Decline	A PayPal response indicating the Billing Agreement ID is invalid.
611	Hard Decline - Primary Funding Source Failed	Hard Decline	A PayPal response indicating the issuer is unavailable.
612	Hard Decline - Issue with Paypal Account	Hard Decline	A PayPal response indicating the transaction failed due to an issue with the buyer account.
613	Hard Decline - PayPal authorization ID missing	Hard Decline	A PayPal response indicating the need to correct the authorization ID before resubmitting.
614	Hard Decline - confirmed email address is not available	Hard Decline	A PayPal response indicating your account is configured to decline transactions without a confirmed address. request another payment method or contact eCommerceSupport@vantiv.com to modify your account settings.
615	Hard Decline - PayPal buyer account denied	Hard Decline	A PayPal response indicating account unauthorized payment risk.
616	Hard Decline - PayPal buyer account restricted	Hard Decline	A PayPal response indicating PayPal is unable to process the payment. Buyer should contact PayPal with questions.
617	Hard Decline - PayPal order has been voided, expired, or completed	Hard Decline	A PayPal response indicating no further authorizations/captures can be processed against this order. A new order must be created.
618	Hard Decline - issue with PayPal refund	Hard Decline	A PayPal response indicating one of these potential refund related issues: duplicate partial refund must be less than or equal to original or remaining amount, past time limit, not allowed for transaction type, consumer account locked/inactive, or complaint exists - only a full refund of total/remaining amount allowed. Contact eCommerceSupport@vantiv.com for specific details.
619	Hard Decline - PayPal credentials issue	Hard Decline	A PayPal response indicating you do not have permissions to make this API call.
620	Hard Decline - PayPal authorization voided or expired	Hard Decline	A PayPal response indicating you cannot capture against this authorization. You need to perform a brand new authorization for the transaction.
621	Hard Decline - required PayPal parameter missing	Hard Decline	A PayPal response indicating missing parameters are required. Contact eCommerceSupport@vantiv.com for specific details.
622	Hard Decline - PayPal transaction ID or auth ID is invalid	Hard Decline	A PayPal response indicating the need to check the validity of the authorization ID prior to reattempting the transaction.
623	Hard Decline - Exceeded maximum number of PayPal authorization attempts	Hard Decline	A PayPal response indicating you should capture against a previous authorization.
624	Hard Decline - Transaction amount exceeds merchant’s PayPal account limit.	Hard Decline	A PayPal response indicating the transaction amount exceeds the merchant’s account limit. Contact eCommerceSupport@vantiv.com to modify your account settings.
625	Hard Decline - PayPal funding sources unavailable.	Hard Decline	A PayPal response indicating the buyer needs to add another funding sources to their account.
626	Hard Decline - issue with PayPal primary funding source.	Hard Decline	A PayPal response indicating there are issues with the buyer’s primary funding source.
627	Hard Decline - PayPal profile does not allow this transaction type.	Hard Decline	Contact your Relationship Manager to adjust your PayPal merchant profile preferences.
628	Internal System Error with PayPal Contact Vantiv	Hard Decline	There is a problem with your username and password. Contact eCommerceSupport@vantiv.com.
629	Hard Decline - Contact PayPal consumer for another payment method	Hard Decline	A PayPal response indicating you should contact the consumer for another payment method.
637	Invalid terminal Id	Hard Decline	The terminal Id submitted with the POS transaction is invalid.
640	PINless Debit processing not supported for non-recurring transactions	Hard Decline	At this time, we support PINless Debit transaction only for recurring transactions.
641	PINless Debit processing not supported for partial auths	Hard Decline	PINless Debit does not support partial authorizations. You can resubmit the transaction without using the partial auth flag.
642	Merchant not configured for PINless Debit processing	Hard Decline	You are not enabled for PINless Debit processing. Please consult your Relationship Manager for additional information about this feature.
651	Decline - Customer Cancellation	Hard Decline	The customer has cancelled the transaction or recurring payment.
652	Decline - Re-try transaction	Soft Decline	Unspecified decline. Please re-try the transaction.
653	Decline - Unable to locate record on file	Hard Decline	We are unable to locate the referenced file. Please verify the submitted information.
654	Decline - file update field edit error	Soft Decline
655	Remote function unknown	Soft Decline
656	Declined - Exceeds withdrawal frequency limit	Soft Decline	The transaction exceeded the allowed activity on the account. You can retry the transaction later.
657	Decline - Card record not available	Soft Decline
658	Invalid Authorization Code	Soft Decline
659	Reconciliation error	Soft Decline
660	Preferred Debit Routing Denial: Credit transaction can be debit	Soft Decline
661	Declined - Currency Conversion Complete, No Auth Performed	Soft Decline
662	Declined - Multi-Currency DCC Fail	Soft Decline
663	Declined - Multi-Currency Invert Fail	Soft Decline
664	Invalid 3-D Secure Password	Soft Decline
665	Invalid Social Security Number	Soft Decline
666	Invalid Mother's Maiden Name	Soft Decline
667	Enrollment Inquiry Declined	Soft Decline
668	Social Security Number Not Available	Soft Decline
669	Mother's Maiden Name Not Available	Soft Decline
670	PIN Already Exists on Database	Soft Decline
701	Under 18 years old	Hard Decline	A PayPal Credit response indicating the customer is under 18 years of age based upon the date of birth.
702	Bill to outside USA	Hard Decline	A PayPal Credit response indicating the billing address is outside the United States.
703	Bill to address is not equal to ship to address	Hard Decline	A PayPal Credit response indicating that the billing address does not match the shipping address.
704	Declined, foreign currency, must be USD	Hard Decline	A PayPal Credit or PINless Debit response indicating the transaction is declined, because it is not in US dollars.
705	On negative file	Hard Decline	A PayPal Credit response indicating the account is on the negative file.
706	Blocked agreement	Hard Decline	A PayPal Credit response indicating a blocked agreement account status.
707	Insufficient buying power	Other	A PayPal Credit response indicating that the account holder does not have sufficient credit available for the transaction amount.
708	Invalid Data	Hard Decline	A PayPal Credit response indicating that there are one or more problems with the submitted data.
709	Invalid Data - data elements missing	Hard Decline	A PayPal Credit response indicating one or more required data elements are missing. Also, returned for a Direct Debit transaction that is missing a required data element. For example, failure to include the name element in an echeckSale or echeckCredit transaction would result in this code being returned.
710	Invalid Data - data format error	Hard Decline	A PayPal Credit response indicating that some data was formatted incorrectly.
711	Invalid Data - Invalid T&C version	Hard Decline	A PayPal Credit response indicating the T&C version is invalid.
712	Duplicate transaction	Soft Decline-	A PayPal Credit response indicating that the transaction is a duplicate.
713	Verify billing address	Hard Decline	A PayPal Credit response indicating that you should verify the billing address.
714	Inactive Account	Hard Decline	A PayPal Credit response indicating the customer account is inactive.
716	Invalid Auth	Hard Decline	A PayPal Credit response indicating that the referenced authorization is invalid.
717	Authorization already exists for the order	Hard Decline	A PayPal Credit response indicating that an authorization already exists for the transaction.
730	Lodging transactions are not allowed for this MCC	Hard Decline	Your current MCC does not allow lodging transactions. Please consult your Relationship Manager.
731	Duration cannot be negative	Hard Decline	You submitted a negative value for the `<duration>` element. Correct the error and resubmit the transaction.
732	Hotel Folio Number cannot be blank	Hard Decline	Although the schema does not require the submission of the `<hotelFolioNumber>` element, if you do include it, you must specify a value (i.e., null not allowed). Please either add a valid value or remove the element and resubmit the transaction.
733	Invalid check in date	Hard Decline	There is a problem with the submitted check-in date (for example, 2018-02-32). Please correct the date and resubmit the transaction.
734	Invalid check out date	Hard Decline	There is a problem with the submitted check-out date (for example, 2018-02-32). Please correct the date and resubmit the transaction.
735	Invalid check in or check out date	Hard Decline	There is a problem with the submitted check-in or check-out date (for example, 2018-02-32). Please correct the date(s) and resubmit the transaction.
736	Check out date cannot be before check in date	Hard Decline	The check-out date you submitted was before the check-in date. Correct the error and resubmit the transaction.
737	Number of adults cannot be negative	Hard Decline	You submitted a negative value for the `<numAdult>` element. Correct the error and resubmit the transaction.
738	Room rate cannot be negative	Hard Decline	You submitted a negative value for the `<roomRate>` element. Correct the error and resubmit the transaction.
739	Room tax cannot be negative	Hard Decline	You submitted a negative value for the `<roomTax>` element. Correct the error and resubmit the transaction.
740	Duration can only be from 0 to 99 for Visa	Hard Decline	For Visa the maximum duration is 99 (2-digits).
801	Account number was successfully registered	Approved	The card number was successfully registered and a token number was returned.
802	Account number was previously registered	Approved	The card number was previously registered for tokenization. Note: You also receive this response code when using a low value token in a transaction, because the system registers the PAN at the time it creates the LVT.
803	Valid Token	Approved	The token is valid.
805	Card Validation Number Updated	Approved	The stored value for CVV2/CVC2/CID has been successfully updated.
820	Credit card number was invalid	Hard Decline	The card number submitted for tokenization is invalid.
821	Merchant is not authorized for tokens	Hard Decline	Your organization is not authorized to use tokens.
822	Token was not found	Hard Decline	The token number submitted with this transaction was not found.
823	Token Invalid	Hard Decline	The submitted token is invalid.
825	Merchant not authorized for eCheck tokens	Hard Decline	Your organization is not authorized for Direct Debit tokenization.
826	Checkout Id was invalid	Soft Decline	The submitted checkoutId is invalid.
827	Checkout Id was not found	Soft Decline	The submitted checkoutId was not found. The low value token is only good for 24 hours and may have expired.
828	Generic Checkout Id error	Soft Decline	An unknown error caused the use of checkoutId to fail.
835	Capture amount can not be more than authorized amount	Hard Decline	The amount in the submitted Capture exceeds 115% of the authorized amount. Appears in Declined Transaction report.
850	Tax Billing only allowed for MCC 9311	Hard Decline	Tax Billing elements are allowed only for MCC 9311.
851	MCC 9311 requires taxType element	Hard Decline	Missing taxType element
852	Debt Repayment only allowed for VI transactions on MCCs 6012 and 6051	Hard Decline	You must be either MCC 6012 or 6051 to designate a Visa transaction as Debt Repayment (debtRepayment element set to true).
861	Routing Number did not match one on file for token	Soft Decline	The routing number submitted does not match the number submitted when the token was created. Verify the routing number and resubmit the transaction.
877	Invalid Pay Page Registration Id	Hard Decline	An eProtect response indicating that the Registration ID submitted is invalid.
878	Expired Pay Page Registration Id	Hard Decline	An eProtect response indicating that the Registration ID has expired (Registration IDs expire 24 hours after being issued).
879	Merchant is not authorized for Pay Page	Hard Decline	Your organization is not authorized to use eProtect.
890	Maximum number of updates for this token exceeded	Hard Decline	You have submitted the maximum number of update token requests within a rolling 30 day period.
891	Too many tokens created for existing namespace	Hard Decline	You exceeded the maximum number of tokens (16) allowed for this shopper.
895	PIN validation not possible	Soft Decline
898	Generic token registration error	Soft Decline	There is an unspecified token registration error; contact your Relationship Manager
899	Generic token use error	Soft Decline	There is an unspecified token use error; contact your Relationship Manager.
900	Invalid Bank Routing Number	Hard Decline	The Direct Debit routing number submitted with this transaction has failed validation.
901	Missing Name	Hard Decline	The customer name is required for SEPA transactions.
902	Invalid Name	Hard Decline	The customer name must be a minimum of two characters for SEPA transactions.
903	Missing Billing Country Code	Hard Decline	The Billing Country code is required for SEPA transactions.
904	Invalid IBAN	Hard Decline	The submitted International Bank Account number is invalid. Please correct the number and resubmit the traction.
905	Missing Email Address	Hard Decline	The customer email address is required for SEPA transactions.
906	Missing mandate reference	Hard Decline	You must provide a Mandate reference for standard and BYOM recurring SEPA deposit transactions.
907	Invalid mandate reference	Hard Decline	The Mandate reference is invalid. It must conform to the following format: 1 to 35 characters consisting of alphanumeric, colon, question mark, forward slash, plus, parenthesis, comas, period, space, and dash. The applicable regular expression is: ^[A-Za-z0-9:?/+(),. -]{1,35}$
908	Missing mandate URL	Hard Decline	You must provide a Mandate URL for SEPA Bring Your Own Mandate deposit transactions (both one-time and recurring).
909	Invalid mandate URL	Hard Decline	The Mandate URL must start with https and be followed by 5 to 120 characters adhering to the following regular expression: ^https://.{5,120}$
911	Missing mandate signature date	Hard Decline	You must provide a Mandate signature date for SEPA Bring Your Own Mandate deposit transactions (both one-time and recurring).
912	Invalid mandate signature date	Hard Decline	You must provide a Mandate signature date earlier than or the same as the current date with the following format: YYYY-MM-DD.
913	Recurring mandate already exists	Hard Decline	Worldpay returns this message when you submit multiple first Bring Your Own Mandate recurring transactions with the same mandate reference. The mandate references among the recurring transactions for a single merchant must be unique.
914	Recurring mandate was not found	Hard Decline	Worldpay returns this message when you submit a subsequent or final standard recurring transaction before a first standard recurring is processed and confirmed.
915	Final recurring was already received using this mandate	Hard Decline	Worldpay returns this message when you submit a first or subsequent recurring transaction after we received a final recurring. The life cycle of a recurring mandate ends after the processing of a final recurring deposit transaction. This applies to both standard and Bring Your Own Mandate recurring transactions.
916	IBAN did not match one on file for mandate	Hard Decline	Worldpay returns this message when you submit a subsequent or final recurring with a different IBAN than the IBAN used in the first recurring transaction. This applies to both standard and Bring Your Own Mandate recurring transactions. Note: If a customer wants to use a different IBAN for a recurring SEPA mandate, they must use a request for another mandate reference using this new IBAN.
917	Invalid Billing Country	Hard Decline	Some of the alternative payment methods restrict the allowed consumer's billing country codes. For example, iDEAL only allows country code NL.
922	Expiration date required for Interac transaction	Hard Decline	The submitted transaction uses the Canadian Interac network and requires the inclusion of an expiration date.
923	Transaction type is not supported with this Method of Payment	Hard Decline	This transaction type is not support for the Canadian Interac network.
924	Unreferenced (orphan) refunds are not allowed	Hard Decline	We do not support refunds for Interac transaction unless we also processed the capture.
939	Unable to void a transaction with a Held state	Hard Decline	The transaction you tried to void is in a Held state. You can not void a transaction in this state. You must first resolve the hold.
940	This Funding Instruction results in a negative account balance	Soft Decline	There are insufficient funds in the FBO Settlement Account to cover the Funding Instruction. Wait for additional funds to settle to the account and then resubmit the transaction.
941	Account balance information unavailable at this time.	Soft Decline	Typically, this response occurs only for new FBO Settlement accounts that do not yet have any settled transactions and were not pre-funded (i.e., no balance yet recorded for the account). Wait for additional funds to settle to the account or pre-fund the account and then resubmit the transaction.
942	The submitted card is not eligible for Fast Access Funding.	Hard Decline	The card you submitted in the Fast Access Funding instruction cannot receive funds using this method.
943	Transaction cannot use both ccdPaymentInformation and ctxPaymentInformation	Hard Decline	A transaction can not contain both the `ccdPaymentInformation` and `ctxPaymentInformation` elements.
944	Processing Error	Soft Decline	Please retry the transaction.
945	This Funding Instruction type is invalid for Canadian merchants	Hard Decline	We do not support the following Funding Instructions in Canada: Physical Check Credit/Debit Reserve Credit/Debit Vendor Credit/Debit
947	Canadian account number cannot exceed 12 digits	Hard Decline	You submitted a Canadian account number using more than 12 digits, which is not allowed. Check the account number and resubmit using 12 or less digits.
948	This funding instruction type is invalid	Hard Decline	The submitted finding instruction transaction is not supported.
950	Decline - Negative Information on File	Hard Decline	A Direct Debit response indicating the account is on the negative file.
951	Absolute Decline	Hard Decline	A Direct Debit response indicating that this transaction was declined.
952	The Merchant Profile does not allow the requested operation	Hard Decline	A Direct Debit response indicating that your Merchant Profile does not allow the requested operation. Contact your Relationship Manager for additional information.
953	The account cannot accept ACH transactions	Hard Decline	A Direct Debit response indicating the customer’s checking account does not accept ACH transactions.
954	The account cannot accept ACH transactions or site drafts	Hard Decline	A Direct Debit response indicating the customer’s checking account does not accept ACH transactions or site drafts.
955	Amount greater than limit specified in the Merchant Profile	Hard Decline	A Direct Debit response indicating that the dollar amount of this transaction exceeds the maximum amount specified in your Merchant Profile. Contact your Relationship Manager for additional information.
956	Merchant is not authorized to perform eCheck Verification transactions	Hard Decline	A Direct Debit response indicating that your organization is not authorized to perform eCheck verifications. Contact your Relationship Manager for additional information.
957	First Name and Last Name required for eCheck Verifications	Hard Decline	A Direct Debit response indicating that the first and last name of the customer is required for eCheck verifications.
958	Company Name required for corporate account for eCheck Verifications	Hard Decline	A Direct Debit response indicating that the company name is required for verifications on corporate accounts.
959	Phone number required for eCheck Verifications	Hard Decline	A Direct Debit response indicating that the phone number of the customer is required for echeck verifications.
961	Card Brand token not supported	Hard Decline	This code is returned if the merchant submits a Visa generated token.
962	Private Label Card not supported	Hard Decline	This code is returned if the transaction involves a Visa Private Label card.
965	Allowed daily Direct Debit capture (eCheckSale) limit exceeded.	Hard Decline	If processed, the rejected transaction would exceed the daily limit (amount) for Direct Debit captures. Please resubmit the transaction tomorrow.
966	Allowed daily Direct Debit credit (eCheckCredit) limit exceeded.	Hard Decline	If processed, the rejected transaction would exceed the daily limit (amount) for Direct Debit credits. Please resubmit the transaction tomorrow.
980	Soft Decline - Customer Authentication Required	Soft Decline	The submitted transaction requires Customer Authentication.
981	Transaction Not Reversed - Void Workflow need to be invoked	Hard Decline	Use a Void transaction.
982	Transaction Reversal not supported for the Core Merchants	Hard Decline	This transaction originated on the Core platform, which does not support this transaction type.
983	No valid Parent Deposit or Parent Refund found	Hard Decline	The referenced (by the cnpTxnId) parent transaction does not exist. Verify the Id and resubmit with correct value.
984	Transaction Reversal not enabled for Visa	Hard Decline	This transaction type has not been enabled for Visa.
985	Transaction Reversal not enabled for Mastercard	Hard Decline	This transaction type has not been enabled for Mastercard.
986	Transaction Reversal not enabled for AmEx	Hard Decline	This transaction type has not been enabled for American Express.
987	Transaction Reversal not enabled for Discover	Hard Decline	This transaction type has not been enabled for Discover.
988	Transaction Reversal not supported	Hard Decline	This transaction type is not supported.
990	Funding Instruction held. Please contact your Relationship Manager.	Hard Decline	The transaction is held. You must contact your Relationship Manager for information about the reason.
991	Missing address information	Soft Decline	Add the missing address information and resubmit the transaction.
992	Cryptographic failure	Soft Decline

Vantiv Core

Below is a list of possible decline codes you may receive when attempting to process a transaction using the Vantiv Core (VCore) processor:

Click here to see all Vantiv Core Decline Codes

Code	Message	Decline Type	Description