Payment decline reasons
When a card payment is declined, the bank returns a reason code. Search the code or the message you saw to find out what it means, why it happens, and what to do next.
6 reasons
- 03Invalid MerchantHardThe merchant account or identifier is not recognized or not valid for this transaction.
- 19Re-enter TransactionSoftThe issuer could not process the transaction and requests that it be submitted again.
- 30Format ErrorHardThe transaction request was malformed and could not be processed by the issuer.
- 91Issuer or Switch InoperativeSoftThe issuing bank or the network switch could not be reached to authorize the transaction.
- 94Duplicate TransactionHardAn identical transaction was already submitted, so this one was rejected as a duplicate.
- 96System MalfunctionSoftA system error or malfunction prevented the transaction from being processed.