Credit Card Declines
Transactions declined by the financial institutions (and not a gateway error) will have code 0205 and in the text will be the reason. Below are common reasons and what they mean.
| RESPONSE TEXT | TEXT EXPLANATION |
|---|---|
| CALL AUTH CENTER | Cardholder should call Issuing Bank (the Financial Institution that issued them the card) |
| DECLINE | Do not honor (no other information is given) |
| DECLINE: CVV2 | Do not honor due to CVV2 mismatch/invalid |
| DECLINE: NSF | Not sufficient funds |
| DECLINE: BLOCKED | Blocked, First Use from New Cardholder |
| DECLINE: CLOSED | Account closed |
| EXCEEDS AMT LIMIT | Exceeds Approval Amount Limit |
| EXPIRED CARD | Card is expired |
| INVALID CAM/CVV | Check CVV2 and retry |
| INVALID CARD | Invalid card |
| INVALID MERCHANT | Contact SportsPay |
| INVALID TERM ID | Contact SportsPay |
| PICK UP CARD | Card is not valid |
| REQ EXCEEDS BALANCE | Request exceeds balance |
| SERV NOT ALLOWED | Invalid request (such as using a card type that the merchant does not accept) |
| SUSPECTED FRAUD | Suspected fraud; Cardholder should call their bank |
| TRAN NOT ALLOWED | Transaction Not Permitted to Cardholder |
Updated about 2 months ago