
An invalid credit card number is a frustrating experience, but don't worry, it's not the end of the world. It simply means that the card number you're trying to use isn't recognized by the payment processor.
You might be wondering why this happens. Well, it could be due to a typo in the card number, an expired card, or a card that's been reported lost or stolen.
Typically, online merchants will let you know if your card number is invalid, and they might even offer to help you resolve the issue. For example, they might ask you to try again with a different card or provide more information about the card you're trying to use.
In some cases, an invalid credit card number can be a sign that your card is being used for unauthorized transactions.
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What Is It?
So, what is an invalid credit card number? It's a pretty common issue that can be easily fixed. Error code 14 is often the culprit, which means an invalid card number was entered.

This error code can be triggered by a small mistake in keying in the card information, and it's usually due to one or more incorrect digits. It's not uncommon for people to accidentally enter the wrong credit card number, expiration date, zip code, or CVV.
In fact, the terminal user might have made a tiny mistake when entering the card details, and that's what causes the error code 14 to pop up.
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Causes and Prevention
Common causes of invalid credit card numbers include data entry errors, processing errors, and fraudulent activity. These errors can occur during manual transactions or through technical issues with payment processing systems.
Data entry errors are a common cause of invalid credit card numbers. This can happen when a customer or merchant enters the card number incorrectly, resulting in a transaction being declined.
Processing errors can also lead to invalid credit card numbers. Technical issues or glitches during transaction processing can result in a card number being used that is not valid for transactions.
Fraudulent activity is another cause of invalid credit card numbers. In some cases, fraudsters may use fabricated or stolen card numbers that are not valid for transactions.
To prevent invalid credit card numbers, it's essential to implement proactive measures. These measures include accurate data entry, validation checks, and fraud detection tools.
Accurate data entry is crucial in preventing invalid credit card numbers. Double-checking manual entries can help prevent errors and ensure that transactions are processed correctly.
Validation checks can also help prevent invalid credit card numbers. By implementing validation checks in your payment processing system, you can ensure that card numbers are valid before processing transactions.
Fraud detection tools can also help prevent invalid credit card numbers. These tools can help identify and prevent the use of invalid or fraudulent card numbers.
Here are some proactive measures you can take to prevent invalid credit card numbers:
- Accurate Data Entry: Ensure all card numbers are entered accurately during transactions.
- Validation Checks: Implement validation checks in your payment processing system to ensure card numbers are valid before processing transactions.
- Fraud Detection Tools: Use fraud detection tools that can help identify and prevent the use of invalid or fraudulent card numbers.
Example and Resolution
When you're faced with an invalid credit card number, it can be frustrating.

The credit card number 4111111111111111 is an example of an invalid card number because it lacks a valid expiration date, as seen in Section 3, "Card Expiration Dates".
This invalid card number was also used in a test transaction in Section 2, "Test Transactions", which resulted in a declined payment.
If you're unsure whether your credit card number is valid, you can check the expiration date in Section 3, "Card Expiration Dates", to ensure it's within the valid range.
In Section 4, "Card Security Codes", it's also mentioned that a valid card number must have a valid security code, which is not present in the 4111111111111111 example.
In this case, the resolution is to update the card information or use a different payment method.
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Example IN Scenario
Let's take a closer look at an example of the Discover chargeback reason code IN – Invalid Card Number. A customer placed an order but mistakenly entered an incorrect card number, and the transaction went through due to a processing glitch. This led to the cardholder disputing the charge under reason code IN.

The transaction details would need to be reviewed, and any relevant records gathered to submit evidence to Discover. This process usually takes around 60 to 90 days to resolve.
To minimize these disputes, consider implementing the following proactive measures:
- Accurate Data Entry: Ensure all card numbers are entered accurately during transactions. Double-check manual entries to prevent errors.
- Validation Checks: Implement validation checks in your payment processing system to ensure card numbers are valid before processing transactions.
- Fraud Detection Tools: Use fraud detection tools that can help identify and prevent the use of invalid or fraudulent card numbers.
Resolution Time Frame for IN Chargeback Reason Code
The resolution time frame for IN chargeback reason code, which stands for Invalid Card Number, can be a lengthy process. It typically takes around 60 to 90 days from the initial dispute to the final decision.
Here's a breakdown of the timeline:
- Chargeback filing: Discover initiates the chargeback process shortly after the cardholder reports the issue.
- Merchant response time: The merchant is given up to 30 days to gather and submit evidence to support their case.
- Review and decision: Discover reviews the information provided and makes a decision, which usually takes around 30-45 days.
- Final resolution: The entire process can take anywhere from 60 to 90 days.
This process can be a challenge for merchants, but understanding the timeline can help them prepare and respond accordingly.
Discover Chargeback Reason Code
Discovering the reason behind an invalid credit card number can be a frustrating experience, especially for merchants who have to deal with chargebacks. Chargeback reason code 47 indicates that the card was used without the cardholder's consent.
A chargeback reason code 50 indicates that the card was expired or not active at the time of the transaction. This code is often used when the merchant has accepted an expired card.
Chargeback reason code 53 is used when the card was not issued by the bank that the merchant is trying to charge. This can happen when a card is used internationally or if the merchant has incorrect bank information.
Curious to learn more? Check out: Why Did Discover Card Deny Me
Details

You've provided your card details correctly, including CVV, end date, and address.
The card in question is a debit card from RuPay, and it's not a prepaid or virtual card.
Your card is activated and ready for use.
Sources
- https://paymentcloudinc.com/blog/credit-card-decline-codes/error-code-14/
- https://durangomerchantservices.com/glossary/discover-chargeback-reason-code-in-invalid-card-number/
- https://legacy.forums.gravityhelp.com/topic/invalid-credit-card-number-validation-false-positive-help-please
- https://learn.microsoft.com/en-us/answers/questions/1377499/invalid-card-details
- https://answers.ea.com/t5/EA-Services-General-Questions/Invalid-credit-card-number-when-trying-to-use-a-new-card/m-p/5721101
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