![]() In fact, they’re the joint most frequent card decline code. Insufficient funds are another common reason for a card decline. Usually this can be solved by the cardholder re-entering their card details correctly. If the customer enters any details - for example, their name, the card number, the CVV, or their PIN if in person - incorrectly, the card issuer will reject the payment. The most mundane of reasons for a declined payment, and the one that’s easiest to recover from. ![]() Here we’ll go into a bit more detail about what each means and how you might be able to resolve any issue you encounter. We’ve touched on a few of the reasons why a card might be declined above. Learn more: Card testing fraud Why do card issuers decline payments? Both Visa and Mastercard have some steep fees for merchants that repeatedly retry hard-declined payments. Hard declines are usually due to more serious issues, such as when the card used for the payment has expired or has been reported lost or stolen.Īs a merchant, in most cases you should not attempt to retry payments with the same card if you receive a hard decline. They cannot be retried regardless of any further action taken by the cardholder. Hard declines are permanent and occur when the card issuer rejects the payment. Soft declines usually happen if further cardholder authentication is required - or if there are technical or infrastructure issues during payment processing. Once the issue has been resolved, the merchant is able to retry the transaction. Soft declines are by far the most common and are usually the result of a temporary issue. Read more: bank response codes Soft decline vs. There are two types of card issuer rejection, soft declines and hard declines. In rare cases, the response code may also highlight that the transaction is suspected as fraudulent. The cardholder may just need to re-enter their card details, or contact the card issuer to resolve the issue. As the merchant you’ll receive a response code that alerts you that the transaction can’t be processed and provides a reason for the rejection. ![]() What does card issuer rejection mean?Ĭard issuer rejection occurs when an online or in-person debit or credit card payment is declined by the card issuer, the institution that issued the card to the customer. We’ll answer these questions and more to ensure you can face card issuer rejection with confidence and limit its impact on your business. It’s often a result of a customer not having enough funds in their account, but it could also be a sign that the customer is attempting card fraud.Ĭard issuer rejection is designed to protect all parties, which is why it’s a vital component of both the online and in-person card payment process.īut what exactly does card declined by issuer mean? And if the card is declined by the issuing bank, what are the merchant's responsibilities, and can the payment be salvaged? Card issuer rejection is a frustrating experience for both the merchant and the customer.
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