The following are some of the error messages that may be encountered when a payment is attempted. If you require additional assistance, please contact support. Include all pertinent information, including your Merchant ID, and the error you are receiving.
This transaction has been declined.
Do Not Honor
|Hard Decline from the issuing bank. Could be for insufficient funds, met daily limit, etc.|
|The street address and postal code do not match.||The issuing bank is reporting that the street address and postal code entered do not match.|
|CVV does not match.||The issuing bank is reporting that the CVV that was entered does not match.|
|The credit card number is invalid.||The credit card number that was entered is not a valid card number - please confirm the number with the cardholder.|
|Max attempts exceeded.||A previous charge was recently successful. Please review and if necessary, you can try again in five minutes. Please wait 5 minutes before processing a transaction on the same card for the same amount.|
|Insufficient Funds||The issuing bank is reporting that the card does not have enough funds to cover the transaction.|
|Unable to process the transaction because the payment method has been redacted.||A payment method is no longer associated with the transaction - please enter a new payment method.|
|The credit card has expired.||The credit card has expired - please enter a new payment method.|
|The transaction has been declined because of an AVS mismatch.||The address provided does not match the billing address of the cardholder. The issuing bank is reporting a mismatch with the address that was entered. Please enter the correct address.|
||Merchant to keep the card. There is a problem with the
card. Call the number on the back of the card to determine the issue.
|Invalid CC Number||The credit card number that was entered is not a valid card number - please confirm the number with the cardholder.|
|CARD NO. ERROR
||The credit card number that was entered is not a valid card number - please confirm the number with the cardholder.
|Please enter a first and last name as it appears on the card.|
|User authentication failed due to invalid
|The codes for the gateway no longer match the codes in the interface - please contact support.
|DAILY TRANSACTION LIMIT EXCEEDED||The daily ACH transaction limit has been met for the account.|
|INVALID CVV DATA
||The CVV that was entered does not match, please enter the correct CVV information.
|TYPE NOT ALLOWED||This type of transaction is not allowed - please contact support.|
||The gateway is experiencing connection issues - please try again later.
|The transaction cannot be found.||The transaction cannot be found.|
|ACH transactions are not accepted by this
|The account has not been set up for ACH transactions.
|An error occurred during processing. Please try again.||The platform lost connection to the gateway.|
||The card has been reported as lost or stolen.
|Expiry Date is invalid||The expiration date is invalid.|
|Card is expired.
||The card has expired.
|DECLINED DUE TO CCV2
Unable to communicate with the payment
|Communication error with the interface.|
||Card reported lost or stolen.|
|TERM ID ERROR||TSYS/Vital configuration is incorrect.
|Transaction total exceeds the transaction limit for this account. Please contact us if you would like to increase this.
||The transaction that is trying to process is over the approved limit for your account. Please reach out to Stax support for assistance.|
|The VITAL identification numbers are incorrect. Call Merchant Service Provider.||Configuration with TSYS/Vital is no longer valid.|
|Using a live Authorize.net account in Test Mode is not permitted.
||The gateway is in test mode - the account needs to be in live mode to process a transaction.
|User authentication failed. The account or API user is inactive.||The codes for the gateway no longer match the codes in the interface - please contact support.
|The payment gateway is currently unavailable.
||The gateway is having connection issues.
|NO ACCOUNT||The account number is invalid.
||There is no authorization available for this transaction.|