Declines
Understand why certain card payments are declined and how Moov categorizes different types of declines.
There are some instances in which card payments are declined and you’ll want to know why so you can troubleshoot the issues. In transfers where the source is a card, there are a number of possible failure reasons (usually for the sake of mitigating possible fraud). You can view these reasons on the GET or LIST transfer responses. To view the card decline reason, look for thefailureCode field within cardDetails. If a card payment fails, thee card decline reason will also be returned in the synchronous response upon transfer creation. See a list of card related failure codes and their descriptions below:
| Failure code | Description |
|---|---|
amount-limit-exceeded |
The amount entered exceeds issuer or approved amount |
call-issuer |
Contact card issuer for decline reason |
card-not-activated |
The card has not been properly unblocked |
cardholder-account-closed |
The account is closed |
could-not-route |
The financial institution cannot be found for routing (receiving institution ID is invalid) |
cvv-mismatch |
The CVV entered is incorrect |
do-not-honor |
The issuer will not allow the transaction |
expired-card |
The card has expired or expiration date is missing |
incorrect-pin |
The PIN is incorrect or missing |
insufficient-funds |
This card has insufficient funds to complete the transaction |
invalid-amount |
The amount entered is invalid |
invalid-card-number |
The card number is incorrect |
invalid-merchant |
The merchant is invalid |
invalid-transaction |
The transaction is invalid |
issuer-not-available |
The Issuer was unavailable for the transaction and STIP is not applicable or not available for this transaction |
lost-or-stolen |
The card was reported as lost or stolen |
no-such-issuer |
The issuer is invalid |
processing-error |
The transaction could not be processed due to processing error |
reenter-transaction |
The transaction needs to be re-entered |
revocation-of-authorization |
Revocation of authorization order |
suspected-fraud |
The transaction was declined because of suspected fraud |
transaction-not-allowed |
The transaction was not allowed |
velocity-limit-exceeded |
The transaction exceeds withdrawal frequency limit |