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Credit card terminal error messages code#

For example, the cardholder may have inadvertently ended up on the wrong side of an authorization parameter (perhaps because, after a sudden spate of spending, they failed a velocity check) they may have forgotten to inform their issuer that they are traveling overseas (and stumbled into a geographical block) or, they may have reached the upper end of their credit limit (even though they have plenty of money sitting in their savings account). In addition, some US$8 billion in card not present declines are due to ‘expired card’.Īnd continuing on… The issue is that, in many instances, these declines are the result of somewhat arbitrary authorization decisions. Visa’s Global Declines Transaction Analysis in 2016 has shown that more than 76% of all global transaction volumes that Visa issuers declined are tagged either as ‘insufficient funds’ or ‘do not honor’. Usually, they have a good risk score, but get turned down because of much more basic checks and balances. Here’s how Visa explains it: The vast majority of declined transactions have nothing to do with fraud. In fact, most declined transactions aren’t related to fraud at all and are more commonly related to a customer error. It’s just kind of the default bucket that issuing banks punt to when they can’t be more specific.Īnd just because a card was marked with Do Not Honor does not mean it’s being marked as fraudulent.

This is especially true in older systems that aren’t as up to date as they should be. Sometimes when a bank doesn’t have a clear reason why a charge is denied, it will opt for “Do Not Honor” as a sort of catch-all denial.

The customer could simply not have enough funds.

This could be an unusually large purchase or a purchase placed with a combination of odd factors (late at night, multiple orders within close proximity, etc.).

This transaction was caught in the issuing bank’s anti-fraud system for any reason.

You are operating in a different country than the customer’s bank is.

The customer has multiple denied payments on their card in a row, so it has been locked until the customer contacts the bank.

Credit card terminal error messages code#

There are a few main reasons that a do not honor code are fired, some offering a bit more clarity than others: So if a transaction comes back as Do Not Honor… why? Possible reasons for a credit card declined code 05 The authorization is denied, meaning no funds will be transferred and that transaction cannot be completed. In other words, the customer’s bank, for some reason, is saying no thank you to the transaction. What does do not honor mean?Ī do not honor (decline code 05) fired by card-issuing banks like Chase means the customer’s bank will not validate the transaction and is refusing to send an authorization token back to your system. We’re going to cover what do not honor codes mean, the possible reasons your system may be firing one, and your best bet for resolving the issues. Merchants are left without a lot of information, and this can be a bit flustering - especially when you’re standing in front of a customer who’s trying to pay. Do not honor reject codes are common in credit card transactions (especially in eCommerce) and are often frustratingly vague.