Authorize.Net® common decline reasons:
Code |
Description |
Action |
|
Error Code 2 |
General decline by card issuing bank or by Merchant Service Provider |
Contact Customer to provide another credit/debit card for the transaction |
|
Error Code 3 |
Referral to card issuing bank for verbal approval |
Customer/Organization must approve charge before it processes (text message/email/other approval) |
|
Error Code 4 |
Card reported lost or stolen; pick up card if physically available |
Contact Customer |
|
Error Code 7 |
User authentication failed due to invalid authentication values. This error occurs when the API environment doesn't recognize the API Login ID or Transaction Key entered. |
Contact someone with access to the API Login ID and Transaction Key to Authorize.net. Ask them to re-type the credentials. |
|
Error Code 27 |
Address Verification Service (AVS) mismatch; declined by account settings |
Delete credit/debit card. Request Customer re-add their card with the correct Billing Address |
|
Error Code 44 |
Card Code declined by payment processor |
Contact Customer to re-input properly |
|
Error Code 45 |
AVS and Card Code mismatch; declined by account settings |
Contact Customer to re-input properly |
|
Error Code 51 |
A decline for insufficient funds, the credit limit has been exceeded. |
Contact Customer and ask them to provide a credit card with sufficient funds |
|
Error Code 65 |
Card Code mismatch; declined by account settings |
Contact Customer to re-input properly |
|
Error Code 250 |
Fraud Detection Suite (FDS) blocked IP address |
|
|
Error Code 251 |
FDS filter triggered--filter set to decline |
|
|
Error Code 254 |
FDS held for review; transaction declined after manual review |
FreedomPay Common Decline Reasons
SagePay Common Decline Reasons