200The transaction was declined by the processor.The customer's bank is unwilling to accept the transaction. The reasons for this response can vary – the customer will need to contact their bank for more details.
201Do not honor.The customer's bank is unwilling to accept the transaction. The customer will need to contact their bank for more details regarding this decline.
202Insufficient funds.The account did not have sufficient funds to cover the transaction amount at the time of the transaction.
203Over limit.The attempted transaction exceeds the withdrawal limit of the account. The customer will need to contact their bank to change the account limits or use a different payment method.
204Transaction not allowed.The customer's bank is declining the transaction for unspecified reasons, possibly due to an issue with the card itself. They will need to contact their bank or use a different payment method.
220Incorrect payment information. 
221No such card issuer.       This decline code could indicate that the submitted card number does not correlate to an existing card-issuing bank or that there is a connectivity error with the issuer. The customer will need to contact their bank for more information.
222No card number on file with issuer.The submitted card number is not on file with the card-issuing bank. The customer will need to contact their bank.
223Expired card.The card is expired. The customer will need to use a different payment method.
224Invalid expiration date. The customer entered an invalid payment method or made a typo in their card expiration date. Have the customer correct their payment information and attempt the transaction again – if the decline persists, they will need to contact their bank.
225Invalid card security code.           The customer entered in an invalid security code or made a typo in their card information. Have the customer attempt the transaction again – if the decline persists, the customer will need to contact their bank.
226Invalid PIN.Can mean Invalid PIN or missing PIN.  Some cards can be set to always require a PIN.
240Call issuer for further information. 
250Pick up card.The customer’s card has been reported as lost or stolen by the cardholder and the card-issuing bank has requested that merchants keep the card and call the number on the back to report it. As an online merchant, you don’t have the physical card and can't complete this request – obtain a different payment method from the customer.
251Lost card.The card used has likely been reported as lost. The customer will need to contact their bank for more information.
252Stolen card.The card used has likely been reported as stolen. The customer will need to contact their bank for more information.
253Fraudulent card.The customer’s bank suspects fraud – they will need to contact their bank for more information.
260Declined with further instructions available. (See response text) 
261Declined-Stop all recurring payments. 
262Declined-Stop this recurring program. 
263Declined-Update cardholder data available.The submitted card has expired or been reported lost and a new card has been issued. Reach out to your customer to obtain updated card information.
264Declined-Retry in a few days.