These digits comprise the BIN and are used to identify the bank that issued a particular card. If you do not have the card, it is possible to look up the issuing bank's phone number by using a BIN search engine online and entering the first six digits of the card number. You should retain the card and call the phone number on the back of the card to report the decline. ![]() If you have the physical card in your possession, you should not return the card to the customer. ![]() These decline codes indicate that the card has been lost, stolen, or otherwise flagged for pickup by the issuing bank. We recommend not attempting this transaction again for 24 hours after the initial decline.ĭecline codes 000001, 000004, 000007, 000041, or 000043: Hold Call or Hold Card Please have your customer contact their bank for a more detailed explanation of the decline. The cause can sometimes be insufficient funds, although that is usually a decline 000051. ![]() The issuing bank is declining to authorize the card. It does not matter which credit card processor you use, these codes are the same for all processors. The first group of decline codes is universal. ![]() Below are some common error messages you'll see and what they mean. When processing credit card transactions, some transactions will come back with an error message.
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