Find out why a payment may not have been processed successfully.
If you’re a partner, for example with a gateway that you want to integrate with our acquiring platform, the following codes can help you to understand why and how a payment has failed. Each response code has one of the following prefixes:
V indicates a validation error (for example, invalid card number)
For information, see What do Vx response codes mean?
D indicates a declined transaction
R indicates a referral (to be treated as a declined transaction)
For information, see What do Rx response codes mean?
C indicates a cancelled transaction (for example, a user selected Cancel on a payment page)
For information, see What do Cx response codes mean?
S indicates a system error
For information, see What do Sx response codes mean?
The prefix is followed by three digits, for example x01. The first digit, for example the x, is for internal use only. The next two digits, for example the 01, provide more details about the response. The following list presents the code and the message for each response.
Declined transactions
|
Code |
Message |
Explanation |
|
Dx01 |
Non-specific decline |
|
|
Dx02 |
Declined due to funds (insufficient/limit exceeded) |
The customer doesn’t have enough in their account to cover the payment. |
|
Dx03 |
Retain card |
The card issuer has declined the transaction and requested that you retain the customer's card. Following a declined transaction with this error message, you should check subsequent transactions to monitor for fraudulent activity on alternate cards. |
|
Dx04 |
VoicePrint not matched |
VoicePrint (voice authentication technology) may not work if a customer’s voice changes, for example after illness or surgery. Ask the customer for a different form of ID and advise that they may need to record a new VoicePrint. |
|
Dx05 |
On our blacklist |
The customer or card is on our deny list |
|
Dx06 |
Call failed |
|
|
Dx07 |
Cannot use live account for demo purchase |
Customers/developers need to use the following URLs: · Cashflows Gateway API: https://secure-int.cashflows.com/gateway/ · Payments API: https://integration.cashflows.com/payments/ · Remote Auth API: https://secure-int.cashflows.com/gateway/remote_auth/ |
|
Dx07 |
Cannot use demo account for live purchase |
Customers/developers need to use the following URLs: · Cashflows Gateway API: https://secure-int.cashflows.com/gateway/ · Payments API: https://integration.cashflows.com/payments/ · Remote Auth API: https://secure-int.cashflows.com/gateway/remote_auth/ |
|
Dx08 |
Insufficient funds in account |
The customer does not have enough money in their account to cover the payment. |
|
Dx09 |
Hold not supported for acquirer |
|
|
Dx10 |
Card authorisation attempt limit reached |
The customer has tried too many times to authorise a card. |
|
Dx11 |
Scheme authorisation limit reached |
|
|
Dx40 |
Authority cancelled for transaction |
A customer has cancelled a recurring payment. |
|
Dx41 |
Authorities cancelled for merchant |
A merchant has cancelled a recurring payment. |
|
Dx42 |
Authorities cancelled for card |
A customer or merchant has removed card details for a recurring payment. |
|
Dx44 |
Function not supported |
|
|
Dx45 |
Incorrect CVV |
The customer has entered an incorrect security code (CVV). Ask the customer to check that the code is correct or to use a different payment method or card. |
|
Dx46 |
Incorrect start date |
The customer has entered an incorrect start date that does not match the date on the card. Ask the customer to check that the start date is correct or to use a different payment method or card. |
|
Dx47 |
Card Number Changed |
|
|
Dx48 |
Invalid Currency Code |
The currency code is not a standard currency code. The currency code must be in the format specified on the ISO Currency Codes list. |
|
Dx49 |
Additional customer authentication required |
The customer’s bank has rejected an SCA exemption request for this payment. It needs to have 3-D Secure checks applied before you can resubmit it to us for authorisation. |
|
Dx51 |
Chip Data Mandatory Fields Missing |
|
|
Dx52 |
Card Sequence Number Invalid |
|
|
Dx53 |
Track 2 Data Invalid |
|
|
Dx54 |
Cashback not allowed |
|
|
Dx55 |
Cashback not available with the Issuer |
|
|
Dx56 |
Cashback amount exceeds Issuer Auth Limit |
|
|
Dx57 |
Cashback amount invalid |
|
|
Dx58 |
Card from Initial transaction expired |
|
|
Dx59 |
Closed account |
|
|
Dx60 |
Verification data failed |
|
|
Dx61 |
Offline-declined |
|
|
Dx62 |
Unable to go online |
|
|
Dx63 |
Suspected fraud |
We (or the card issuer) suspect that this payment could be fraudulent. |
|
Dx64 |
Exceeds withdrawal frequency limit |
The customer has tried too many times to use their card to withdraw cash. Advise the customer to use a different payment. |
|
Dx65 |
Cardholder verification method failed |
|
|
Dx66 |
Allowable number of PIN-entry tries exceeded |
The customer has tried too many times to enter their PIN. |
|
Dx67 |
Blocked, first used or special condition |
|
|
Dx68 |
Life Cycle |
Applies to Mastercard transactions. Payment has been refused because of invalid card data. |
|
Dx69 |
Policy |
Applies to Mastercard transactions. Payment has been refused because there is a policy contradiction. |
|
Dx70 |
Fraud/Security |
Applies to Mastercard transactions. Payment has been refused because the card issuer suspects that this payment could be fraudulent. |
|
Dx71 |
Restricted card (card invalid in region or country) |
|
|
Dx90 |
Pre-Authorisation anti-fraud block |
|
|
Dx91 |
Post-Authorisation anti-fraud block |
|
|
D169 |
Response code 82 |
Applies to Visa payments. The cardholder verification method failed for CAM, dCVV, iCVV, CVV. Alternatively, this is used as a service code for card present transactions. |
|
D170 |
Response code 83 |
Applies to Mastercard payments. The transaction has been refused because the card issuer suspects that it could be fraudulent. |