Understanding Why Your Card Was Declined by the Issuing Bank

Your card was declined by the issuing bank, and you're left wondering why. The reason could be as simple as exceeding your credit limit.

The bank may have flagged your transaction as suspicious, especially if it's a large or unusual purchase. This is a security measure to prevent unauthorized transactions.

If you're making a purchase online, the bank may decline your card if it's not verified for secure online transactions. This is known as 3D Secure.

Your card may have been declined due to insufficient funds or an overdraft, which can happen if you've made a large purchase or withdrawal.

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Declined transactions can be frustrating, but understanding the reason behind the decline can help you resolve the issue quickly.

Code 12 is an invalid transaction, meaning the payment method wasn't accepted by the issuer. Double-check that you submitted the payment method correctly.

Code 57 indicates that the card-issuing bank blocked the transaction. You should tell the customer to call their issuing bank and ask that the transaction be allowed, then try submitting the payment again.

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A transaction declined with the response "2015: Transaction Not Allowed" means the card-issuing bank won't approve the transaction for unspecified reasons. Contact the card issuer or bank to determine the reason for the decline.

In some cases, the card may be restricted for certain types of purchases, such as online or international transactions.

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Your card was declined by the issuing bank, and it can be frustrating to figure out why. Card issuers decline transactions for a variety of reasons.

One common reason is that the card was declined by the issuer due to insufficient funds. The issuer will check if there are enough funds in your account before approving a payment, and if not, the transaction will be declined.

A declined card can be a hassle, but being aware of the possible reasons can help you avoid this issue in the future.

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If you're seeing an invalid transaction error, it's likely because the transaction is not accepted by the issuer.

This can happen if you haven't submitted the payment method correctly, so double-check that everything is accurate.

In some cases, the issuer may not recognize the payment method, which can lead to an invalid transaction error.

To resolve this issue, make sure you've entered the payment information correctly, including the card number, expiration date, and security code.

If you're still having trouble, try re-submitting the payment to see if the issue resolves itself.

Transaction Not Permitted can be a frustrating experience for customers, but it's usually a sign that the card-issuing bank has blocked the transaction for a specific reason.

The bank may block a transaction if it's not allowed by the card issuer. This can happen for various reasons, including restrictions on certain types of purchases.

The customer should contact their issuing bank to determine the reason for the decline. In some cases, the card may be restricted for online or international transactions.

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The bank's response may not necessarily indicate a problem with the card, but rather a decision not to approve the transaction. It's essential to investigate further to understand the reason for the decline.

The customer can try contacting their bank to ask that the transaction be allowed. Then, they can attempt to submit the payment again.

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Decline Reasons can be attributed to a lack of effective communication, which can lead to misunderstandings and misinterpretations.

Poorly defined goals and objectives can also contribute to decline, as they can create confusion and a lack of direction.

Inadequate resources, such as insufficient funding or personnel, can hinder progress and lead to decline.

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You may see a specific error message on your screen when your card is declined by the issuing bank. This message can provide valuable information about why your card was declined.

One common error message is "Your card was declined by the issuing bank due to an insufficient balance." This message indicates that the available balance on your card is lower than the transaction amount.

You can also see a message stating "Your card was declined by the issuing bank due to a security reason." This message suggests that the bank has flagged your card for suspicious activity.

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Error messages can be frustrating, but understanding what they mean can help you resolve the issue quickly.

Code 06 is a specific error that means the transaction was blocked by the issuer.

You can't do anything about it until you contact the issuer to resolve the issue.

The 2046 error code is a generic response from issuing banks, and it can be due to a range of reasons, including high recent activity on a card.

You might be declined due to a lack of matching Address Verification Service (AVS) information, or because the card is over its spending limit.

To resolve this issue, it's essential to contact the card issuer or bank to determine the reason for the decline.

A credit card decline code is a negative message issued in response to a request for authorization during a transaction. It's not just about fraud or insufficient funds, there are dozens of reasons why an institution might decline your customer's card transaction.

The bank will provide a two-digit credit card decline code as part of their response to explain why they didn't authorize the sale. This code can be a mystery to consumers, but understanding it can help you provide a better experience.

Proactively communicating with cardholders can also help. For example, if you conduct a lot of recurring charges, you'll encounter some expired or canceled cards sooner or later.

If the issuing bank flags or declines a transaction, it's likely due to Code 04, which means the customer's card has been declined for no fraud reason.

The customer will need to contact their bank to find out the reason for the decline.

In some cases, the customer may be able to use a different card to complete the transaction.

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A credit card decline code is a negative message issued in response to a request for authorization during a transaction. This occurs when a payment can't be processed for a specific reason.

Most people assume a card gets declined for one of two key reasons: fraud or insufficient funds. However, there are dozens of reasons why an institution might decline your customer's card transaction.

The bank will provide a two-digit credit card decline code as part of their response to explain why they didn't authorize the sale. This code can be used to identify the reason for the decline.

Code 01, also known as "Refer To Issuer", means the issuing bank stopped the transaction. In this case, you can request the customer to use a different card or contact the issuing bank for more information.

Proactively communicating with cardholders can help prevent declines. For example, if you conduct a lot of recurring charges, you'll encounter some expired or canceled cards sooner or later.

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