"Cardinity" dabar yra dalis
In most cases, transactions are processed successfully, but it might happen that a transaction cannot be authorised, and the customer’s card is declined by the issuing bank or the payment processor. In this case, you will receive a specific error code for the transaction. Sometimes this code seems to be ambiguous and requires more explanation.
| Error code | Pavadinimas | Explanation |
| 3000 | Rejected by issuer | The cardholder’s bank declined the payment for an unspecified reason. The customer should contact the bank and ask for the transaction to go through. Learn more. |
| 3001 | Nepakanka lėšų | The customer did not have sufficient funds in his bank account to pay for the order. |
| 3002 | Do not honor | The cardholder’s bank declined the payment for an unspecified reason. The customer should contact the bank and ask for the transaction to go through. Learn more. |
| 3003 | Exceeds withdrawal frequency limit | The transaction exceeds the withdrawal frequency limit of the customer’s bank account. The customer should contact the bank to change the frequency limit. |
| 3004 | Transaction not permitted to cardholder | The customer’s bank does not permit the cardholder to pay for a particular product with his/her card. The customer should contact the bank for more information about the decline. |
| 3005 | Exceeds withdrawal amount limit | The transaction exceeds the withdrawal limit of the customer’s bank account. The customer should contact the bank to change the amount limit. |
| 3006 | Invalid Card Number | There are several reasons why this might happen: typographical error, expired card, stolen or lost card, account closed. Cardholder should contact an issuer for more information. |
| 3007 | Restricted card (ATM only) | The card is limited to ATM transactions only and cannot be used for other types of transactions, such as point-of-sale purchases or online transactions. |
| 3008 | Restricted card | The card issuing bank or the cardholder has placed some restrictions on the card. It is possible that the card is not accepted online. The cardholder should contact the bank for more information. |
| 3009 | Suspected fraud | This error code requires special attention. The customer’s issuing bank declined the transaction because somehow fraud activity indications were faced. |
| 3010 | Do not retry | The transaction has been declined, and the issuer recommends against attempting the transaction again. This response is typically given when the issuer has identified an issue that is likely to persist or is not conducive to repeated attempts. The common reasons for a decline: suspected fraud, account status, exceeding limits, technical issues. |
| 3011 | Processing error | This typically indicates that there was an issue during the processing of the transaction on the issuer's side. This type of decline suggests that the issuer's systems encountered an error or glitch that prevented them from completing the authorization or approval of the transaction. It is advisable to the cardholder to contact the issuer. |
| 3012 | Account closed | The bank or financial institution has closed the account associated with the provided credit or debit card. The cardholder will need to inquire about the specific reason for the account closure. |
| 3013 | Invalid CVV | It indicates that the Card Verification Value (CVV) provided during a transaction does not match the CVV on record for the credit or debit card. Common reasons for the error: expired card, unauthorized use, account compromise. |
| 3014 | SCA Required | Card issuer requires strong customer authentication (3D Secure). |
| 3015 | Blocked, first used. The transaction is from a new cardholder, and the card has not been properly unblocked | The transaction is being declined because the card being used belongs to a new cardholder, and there may be a block or restriction on the card that hasn't been lifted. A customer should contact their card issuer for assistance. |
| 3016 | Expired card | The customer’s card has already expired. |
| 3017 | Cannot authorise at this time (Policy) | The card issuer is unable to authorize the transaction due to specific policy-related reasons (security policies, transaction amount/frequency limits, MCC, etc.) |
| 3018 | Negative CAM, dCVV, iCVV, or CVV results | A potential security concern or incorrect information provided during the transaction. It's a security measure to protect against fraudulent activities and unauthorized card usage. |
| 3019 | Stolen card | Indicates that the payment card being used for the transaction has been reported as stolen or lost. Cardholder should contact the issuer for assistance. |
| 3020 | Pickup card | While the traditional "Pickup card" decline is related to physical cards, in an online context, it may signify that the card issuer has detected suspicious activities, unauthorized usage, or security concerns associated with the online transaction. |
| 3021 | Suspecting manipulation | The card issuer has identified potential manipulative or fraudulent behavior associated with the online transaction. |
| 3022 | Transaction declined (account blocked) | The card issuer has placed a block on the account associated with the payment card, resulting in the decline of the online transaction. |
| 3023 | Wrong expiry date | The expiration date entered during the transaction does not match the information on record for the payment card. |
| 3024 | Partial refund is not allowed | Merchant should try to refund again later. |
| 3025 | Recurring not allowed | Merchant should contact techsupport team. |
| 3026 | Cannot authorise at this time (Life cycle) | The card issuer is currently unable to authorize the transaction due to reasons related to the card's life cycle. The "life cycle" of a payment card refers to various stages from issuance to expiration, and issues related to this life cycle can impact the authorization process. |
| 33333 | 3D Secure authorization failed | The customer did not finish the 3D Secure authorization, did not enter a special security code, entered an invalid security code, or closed the authorization window too early. |
| 9999 | Acquirer error | The acquirer experienced an unspecified error. The customer should try again later. |
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