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What do Dx response codes mean?

What do decline response codes mean?

When a payment is declined, a response code is returned to explain why the transaction could not be completed. These codes are provided by the card issuer or payment network and can help identify the most appropriate next step.

Declined transactions

Response code Meaning What to do
Dx01 Non-specific decline Ask the customer to contact their card issuer or try a different payment method.
Dx02 Declined due to funds (insufficient/limit exceeded) Ask the customer to check their available balance, add funds, or wait 1–24 hours before trying again.
Dx03 Retain card Do not retry the payment. Ask the customer to contact their card issuer.
Dx05 On our blacklist The card has been permanently blocked by Cashflows. Ask the customer to use a different card.
Dx07 Cannot use demo account for live purchase Check that the correct live payment environment and URLs are being used.
Dx08 Refund: Insufficient merchant funds in account Add sufficient funds to the Merchant Account to cover the refund.
Dx10 Card authorisation attempt limit reached The card has been attempted and declined more than 3 times in a UTC calendar day. Ask the customer to wait until the next calendar day before trying again.
Dx11 Scheme authorisation limit reached The scheme authorisation limit has been reached. Further transactions may be temporarily blocked.
Dx40 Authority cancelled for transaction Ask the cardholder to contact their issuing bank.
Dx41 Authorities cancelled for merchant Inform the merchant that they cancelled this payment.
Dx42 Authorities cancelled for card Ask the cardholder to contact their issuing bank.
Dx45 Incorrect CVV Ask the customer to check the CVV and try again with the correct information.
Dx46 Incorrect start date Ask the customer to check the card start date and try again with the correct information.
Dx47 Card Number Changed Check the card information provided and try again.
Dx48 Invalid Currency Code Resubmit the payment using the correct currency code.
Dx49 Additional customer authentication required Submit the payment with 3DS authentication data or issue the customer a challenge.
Dx59 Closed Account Ask the cardholder to contact their issuing bank.
Dx60 Verification Data Failed Ask the cardholder to contact their issuing bank.
Dx63 Suspected fraud Ask the cardholder to contact their issuing bank.
Dx64 Exceeds withdrawal frequency limit Ask the customer to use a different payment method or contact their issuing bank.
Dx65 Cardholder verification method failed Ask the customer to check their CVV/PIN and try again with the correct information.
Dx66 Allowable number of PIN-entry tries exceeded Inform the customer that they have entered their PIN incorrectly too many times.
Dx67 Blocked, first used or special condition Ask the cardholder to contact their issuing bank.
Dx68 Life Cycle Ask the cardholder to contact their issuing bank.
Dx69 Policy Ask the cardholder to contact their issuing bank.
Dx70 Fraud/Security Ask the cardholder to contact their issuing bank.
Dx71 Restricted card (card invalid in region or country) Ask the cardholder to contact their issuing bank or use another card.
Dx90 Pre-Authorisation anti-fraud block Check the country blocks configured on the Business.
Dx91 Post-Authorisation anti-fraud block Contact Tech Support for further investigation.
Dx92 Expired card or expiration date missing Resubmit using the correct expiry date. Contact Tech Support if the issue continues.
Dx93 Transaction not supported/blocked by issuer Ask the cardholder to use a different card.
Dx94 Blocked by cardholder/contact cardholder Ask the cardholder to use a different card.
Dx95 Account Not Yet Activated The cardholder must activate the card before trying again.
Dx96 VIS transaction is not permitted Check that the transaction meets the VISA Installment Solutions requirements before trying again.
Dx97 Merchant to not retry the transaction Do not retry the transaction using the same card. Cashflows will block authorisations from the same merchant and card for the next 30 calendar days.