Having Trouble Placing an Order?

What the Decline Codes Mean

If your payment keeps failing, it may be due to a bank/issuer restriction. These common decline responses usually require contacting your bank:

1. 05 – Do Not Honor — The bank declined without a specific reason. Reach out to your bank.
2. 07 – Pick Up Card (Special Condition) — The card is flagged as lost or stolen. Contact your bank immediately.
3. 12 – Invalid Transaction — The entry or method used isn’t valid. Your bank can explain the issue.
4. 41 – Lost Card, Pick Up (Fraudulent) — Reported as lost; the bank must resolve it.
5. 43 – Stolen Card, Pick Up (Fraudulent) — Reported as stolen; contact your bank.
6. 51 – Insufficient Funds — Not enough balance to complete the charge. Discuss options with your bank.
7. 54 – Expired Card — The card is no longer valid; request a new one from your bank.
8. 57 – Transaction Not Permitted to Cardholder — This type of charge is blocked for the cardholder. Ask your bank for details.
9. 62 – Restricted Card — Limited by region or merchant type. Call your bank for clarification.
10. 65 – Activity Limit Exceeded — The daily/transaction limit has been reached. Your bank may raise the limit.
11. 91 – Issuer or Switch Inoperative — Temporary problem with the issuer or network. Your bank can confirm.
12. 93 – Transaction Cannot Be Completed, Violation of Law — Legal or regulatory restriction. Contact your bank for guidance.
13. N7 – Decline for CVV2 Failure — Security/CVV mismatch. Verify details with your bank.
14. R0 or R1 – Stop Payment Order — The bank blocked it at the customer’s request. Confirm with your bank.

If you receive a different code or reason, please submit a ticket so we can review.

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Can’t sort it out with your bank or still stuck? Send us the details via Submit a request and we’ll assist.