When processing a card payment, you may encounter a response code. Here are the common response codes, types, description and recommended action that you should do.
Soft Decline
If you encounter a Soft Decline, you can try processing the payment one more time after a few minutes and if you get the same code you need to contact the issuing bank for further assistance.
Code: D01
Response: Denied by Customer's Bank
Description: Transaction has been denied by the card holder's bank.
Action: Please try again, if unsuccessful, call issuing bank.
Code: D03
Response: Insufficient Funds
Description: The credit card does not have sufficient funds.
Action: Make sure the credit card has enough funds before trying again.
Code: D12
Response: Service Not Allowed also known as Invalid Transaction
Description: The credit card is not configured for the type of transaction. May also occur in corporate cards and prepaid cards.
Action: Try again, if unsuccessful, please call issuing bank.
Code: D17
Response: Re-enter Transaction
Description: An unknown error occurred during the authorization process.
Action: Please re-enter transaction, if unsuccessful, call issuing bank.
Code: D19
Response: Unmapped Decline
Description: One of the most common error codes. The processor's response code is not recognized by the system.
Action: Try again, if unsuccessful, please call issuing bank.
Hard Decline
If you encounter a Hard Decline, you can only process the payment once and you need to immediately contact the issuing bank for further assistance.
Code: D02
Response: Invalid Expiration date
Description: Cardholder has entered invalid expiration date.
Action: Please enter the correct expiration date.
Code: D05
Response: Invalid Card Number
Description: The credit card number is invalid or does not exist.
Action: Please enter the correct card number.
Code: D13
Response: Stop Recurring
Description: Cardholder requested stop specific recurring payment.
Action: Please call issuing bank.
Code: D16
Response: Card is Expired
Description: A transaction was processed on an expired card.
Action: Please make sure to enter the new card's expiration date.
Code: D27
Response: Transaction Error
Description: Submitted transaction has failed.
Action: Please call issuing bank.