What do Dx response codes mean?

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

Insufficient funds or limit exceeded

Ask the customer to check their available balance, add funds or try again later.

Dx03

Retain card

Do not retry the payment. Ask the customer to contact their card issuer and use another payment method.

Dx04

Lost or stolen card

Do not retry the payment. Ask the customer to contact their card issuer.

Dx05

Card restricted

Ask the customer to contact their card issuer or use another payment method.

Dx06

Card cannot be used for this purchase

Ask the customer to use a different card or payment method.

Dx07

Card cannot be used for this purchase

Ask the customer to contact their card issuer or use another payment method.

Dx08

Insufficient funds

Ask the customer to check their available balance or try another payment method.

Dx09

Blocked or suspended card

Ask the customer to contact their card issuer.

Dx10

Card authentication attempt failed

Ask the customer to check their card details and try again.

Dx11

Issuer authentication unavailable

Ask the customer to try again later or use another payment method.

Dx12

Authorisation cancelled

The payment was cancelled before completion. A new payment attempt may be required.

Dx13

Authorisation cancelled

The payment was cancelled before completion.

Dx14

Authorisation cancelled by merchant

The payment was cancelled by the merchant.

Dx15

Incorrect CVV

Ask the customer to check the security code and try again.

Dx16

Incorrect start date

Ask the customer to check the card details and try again.

Dx17

Card scheme decline

Ask the customer to contact their card issuer or use another payment method.

Dx18

Invalid currency

Check that the selected currency is supported and try again.

Dx19

Additional authentication required

Ask the customer to complete the required authentication step.

Dx20

Card suspected of fraud

Do not retry repeatedly. Ask the customer to contact their card issuer.

Dx21

Transaction not permitted

Ask the customer to contact their card issuer or use another payment method.

Dx22

Cardholder not enrolled

Ask the customer to contact their card issuer or use another payment method.

Dx23

Cardholder not enrolled

Ask the customer to contact their card issuer.

Dx24

Cardholder account unavailable

Ask the customer to contact their card issuer or try another payment method.

Dx25

Card details invalid

Ask the customer to check the card details and try again.

Dx26

Verification details failed

Ask the customer to check the information entered and try again.

Dx27

Card details invalid

Ask the customer to check the card details and try again.

Dx28

Unable to process transaction

Ask the customer to try again later or use another payment method.

Dx29

Suspected fraud

Do not repeatedly retry the payment. Ask the customer to contact their card issuer.

Dx30

Transaction withdrawn

The transaction was withdrawn. Ask the customer to try again if appropriate.

Dx31

Cardholder verification failed

Ask the customer to check their details or use another payment method.

Dx32

Incorrect PIN

Ask the customer to check their PIN and try again where appropriate.

Dx33

Invalid or expired card

Ask the customer to use a valid card.

Dx34

Card usage restricted

Ask the customer to contact their card issuer.

Dx35

Transaction not permitted

Ask the customer to contact their card issuer or use another payment method.

Dx36

Cardholder verification failed

Ask the customer to check their details and try again.

Dx37

Cardholder account unavailable

Ask the customer to contact their card issuer.

Dx38

Transaction not permitted

Ask the customer to contact their card issuer.

Dx39

Verification failed

Ask the customer to check their details and try again.

Dx40

Cardholder data invalid

Ask the customer to check the information entered.

Dx41

Unable to process transaction

Ask the customer to try again later.

Dx42

Suspected fraud

Do not retry repeatedly. Ask the customer to contact their card issuer.

Dx43

Payment withdrawn

Ask the customer to try again or use another payment method.

Dx44

Cardholder verification not completed

Ask the customer to complete the required verification.

Dx45

Payment not permitted

Ask the customer to contact their card issuer.

Dx46

Life-cycle or recurring payment issue

Review the payment details and retry only where appropriate.