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Authorization Failure Codes

When a payment authorization fails, the payment processing company will issue a code specifying the reason for the authorization failure. 

NOTE: To sort for failed authorizations see: View Failed Authorizations

To see an authorization failure code:

  1. Enter the Bolt Merchant Dashboard.
  2. Open the failed transaction
  3. Scroll down to Auth Failure Response, and then look next to Code:

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Each payment processing company has its own version of codes. To keep code tracking accurate and up to date we link directly to the code lists of those companies.

Worldpay (Vantiv) issues codes as a number. You can find a PDF with the codes on this Webpage.

Other payment processing companies return codes as text messages.

The following list contains commonly returned text based authorization failure codes:

  • card_not_supported — The card does not support this type of purchase.
  • do_not_honor — The card has been declined for an unknown reason.
  • do_not_try_again — The card has been declined for an unknown reason.
  • duplicate_transaction — A transaction with identical amount and credit card information was submitted very recently.
  • expired_card — The card has expired.
  • fraudulent — The payment has been declined as the processor suspects it is fraudulent.
  • generic_decline — The card has been declined for an unknown reason.
  • incorrect_number — The card number is incorrect.
  • incorrect_cvc — The CVC number is incorrect.
  • incorrect_pin — The PIN entered is incorrect. This decline code only applies to payments made with a card reader.
  • incorrect_zip — The ZIP/postal code is incorrect.
  • insufficient_funds — The card has insufficient funds to complete the purchase.
  • invalid_account — The card, or account the card is connected to, is invalid.
  • invalid_amount — The payment amount is invalid, or exceeds the amount that is allowed.
  • invalid_cvc — The CVC number is incorrect.
  • invalid_expiry_year — The expiration year invalid.
  • invalid_number — The card number is incorrect.
  • issuer_not_available — The card issuer could not be reached, so the payment could not be authorized.
  • lost_card — The payment has been declined because the card is reported lost.
  • new_account_information_available — The card, or account the card is connected to, is invalid.
  • no_action_taken — The card has been declined for an unknown reason.
  • not_permitted — The payment is not permitted.
  • pickup_card — The card cannot be used to make this payment (it is possible it has been reported lost or stolen).
  • processing_error — An error occurred while processing the card.
  • reenter_transaction — The payment could not be processed by the issuer for an unknown reason.
  • restricted_card — The card cannot be used to make this payment (it is possible it has been reported lost or stolen).
  • stolen_card — The payment has been declined because the card is reported stolen.
  • transaction_not_allowed — The card has been declined for an unknown reason.
  • try_again_later — The card has been declined for an unknown reason.
  • withdrawal_count_limit_exceeded — The customer has exceeded the balance or credit limit available on their card.

Why would a customers's card not support this type of purchase? 

  • Some debit cards require a PIN to be entered. If the Client is trying to use one of those cards, they'll need to use another card to complete the purchase.
  • Some cards have restrictions on cross-border usage. This could cause a problem if the card was issued in a state or country other than where your Business is located. Your Client should contact their card issuer to approve credit transactions attempted by your Business. 
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