Bank Credit Card Decline Codes - Opayo

Bank Credit Card Decline Codes - Opayo

These are the general codes used by banks when a transaction is declined. Some bank decline codes may be different.

Decline Codes - Opayo

Response
Description
01Declined - Call Issuer
04Declined - Pick Up Card
05Declined - Do Not Honor See: What is a "05" Do Not Honor decline code?
10Declined - Partial Approval  See: What Is A "10" Partial Approval Decline Code
12Declined - Invalid Transaction
13Declined - Card Amount Invalid
14Declined - Card Number Invalid
15Declined - No Such Issuer
19Declined - Re-Enter
51Declined - Insufficient Funds
54Declined - Card Expired
55Declined - Wrong PIN Entered by Card Holder
57Declined - Service Not Allowed
61Declined - Customer Exceeds Withdrawal Limit
62Declined - Restricted SIC Code
63Declined - Restricted
65Declined - Customer Exceeds Activity Limit
78Declined - No Account
97Declined - CVV MisMatch 

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