Transactions

Declines

note
Declines are not the same as gateway rejections. Declined transactions are blocked by the customer's bank, while gateway rejections are blocked by your Braintree gateway settings.

A processor decline indicates that the customer’s bank has refused the transaction request. Sometimes you can tell why it was declined by reading the response code, but only the customer's bank can confirm the specific reason.

The most common reasons for declines are:

Incorrect credit card number or expiration date
Insufficient funds
The bank declined based on location
The bank's fraud rules blocked the transaction

Decline ratios

An acceptable decline ratio is about 10% of your transactions, but this may fluctuate based on industry or business model. You can analyze your decline ratio by creating a decline report.

Lowering your decline ratio

While declines are usually influenced by the customer's bank, your decline ratio can be inflated by repeated attempts on the same payment method – either on your end or by the customer.

We recommend that you use our risk threshold rules to reduce repeated customer attempts and our automated retry logic for subscriptions instead of implementing your own.

Authorization declines

When we talk about declines, we're usually referring to authorization declines. These happen when you request authorization to charge a customer's payment method, and the bank refuses to authorize the charge.

See the complete list of authorization decline codes.

Settlement declines

Settlement declines happen when the bank denies the transaction after a successful authorization. These are much more rare than authorization declines. Learn more about settlement declined transactions in our developer docs.

See the complete list of settlement decline codes.

Handling declines

There are two types of declines: hard and soft declines. The type of decline informs how you should handle it.

Hard declines are the result of an error or issue which can't be resolved immediately. Action such as contacting Braintree Support or asking the customer to contact their bank will need to be taken to resolve the issue before the transaction can be retried.

Soft declines are the result of a temporary issue. Retrying the provided payment method information may be successful.

Retrying declined transactions

Recently, Visa and MasterCard have implemented new fees to maintain network health by curbing excessive retries across each decline code category. These recent mandates affect every Payment Service Provider (PSP), including Braintree.

Transactions that are being fined are merchant-initiated or customer-initiated retries, or new transaction attempts from customers that are being flagged as retries.

If you decide to manage your retries internally, note how retries are identifiable from Braintree's response codes.

Retries for both Visa and Mastercard can have fees associated with them based on the number of re-attempts made.

Visa

For Visa, retry categories are mapped to Braintree response codes as follows:

Visa Retry Category	Braintree Response Code	Retry Guidance	Fee
Category 1	2044, 2047, 2019, 2007, 2009, 2108, 2015, 2017, 2018	Do not retry	$0.10 for each domestic transaction beyond threshold. $0.15 for each international transaction beyond threshold.
Category 2	2026, 2038, 2001, 2014, 2002, 2057, 2003, 2101, 2107, 2038*, 2046, 2020, 3000	Issuer Cannot Approve At this Time (Reattempt Allowed); limit retries to 15 retries over a rolling 30 day period	$0.10 for each domestic transaction beyond threshold. $0.15 for each international transaction beyond threshold.
Category 3	2004, 2007, 2102, 2010, 2101, 2103, 2038*	Limit retries to 15 retries over a rolling 30 day period	$0.10 for each domestic transaction beyond threshold. $0.15 for each international transaction beyond threshold.
Category 4	2000	Limit retries to 15 retries over a rolling 30 day period	$0.10 for each domestic transaction beyond threshold. $0.15 for each international transaction beyond threshold.

Braintree Response code 2038 is mapped to Visa network response codes categorized as Category 2 and Category 3. In either situation, the recommendation is to limit retries to 15 over 30 days.

note
Note: Retrying Category 1 declines carry the highest network fees because each retry attempt is fined. Contact your CSM or reach out to support to stop Braintree retries, including retrying Category 1 declines. Stopping retries, including Category 1 declines, may impact your recovery rate.

Mastercard

For Mastercard, retries should be based only on the Merchant Advice Codes found in the merchant_advice_code field and its corresponding description merchant_advice_code_text. Mastercard assesses a $0.10 fee for every reattempt exceeding 10 retries over a 24-hour period for MAC 03 and MAC 21.

For the specific rules around retries for Mastercard,see the Braintree Merchant Advice Codes page.

Braintree Smart Retries

Merchants can retry transactions using:

Braintree Retry, which uses static logic to reattempt a transaction.
Smart Retries, a machine-learning-based solution to help optimize retry strategies and increase the success rate of a transaction.

Smart Retries help predict better retry strategies from inputs based on varying factors, from customer behavior, transaction history, and payment processing performance. Smart Retries can also help minimize payment friction at checkout by potentially reducing transaction latency, helping to drive revenue and customer satisfaction.

Merchants currently using Braintree Retry will be migrated to Smart Retries.

Additional Processor Responses

As a supplement to processor response codes, you can choose to enable additional processor responses in the Control Panel. If enabled – and the processor declines the transaction – the processor’s raw response will be displayed in the transaction details in the Control Panel. This response doesn’t often offer much additional context, which is why this feature is disabled by default. If you would like to enable it:

Log into the Control Panel
Click on the gear icon in the top right corner
Click Processing from the drop-down menu
Scroll to the Transactions section
Next to Display Additional Processor Response, click the toggle to turn it on

Regardless of whether you enable this feature in the Control Panel, the API will always return the additional processor response in the transaction object.

Authorization decline codes

Code	Text	Implications	Type	Retry Guidance
2000	Do Not Honor	The customer's bank is unwilling to accept the transaction. The customer will need to contact their bank for more details regarding this generic decline.	Soft	Visa: Category 4, limit retries to 15 attempts over a rolling 30-day period
2001	Insufficient Funds	The account did not have sufficient funds to cover the transaction amount at the time of the transaction – subsequent attempts at a later date may be successful.	Soft	Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period
2002	Limit Exceeded	The attempted transaction exceeds the withdrawal limit of the account. The customer will need to contact their bank to change the account limits or use a different payment method.	Soft	Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period
2003	Cardholder's Activity Limit Exceeded	The attempted transaction exceeds the activity limit of the account. The customer will need to contact their bank to change the account limits or use a different payment method.	Soft	Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period
2004	Expired Card	Card is expired. The customer will need to use a different payment method.	Hard	Visa: Category 3, limit retries to 15 attempts over a rolling 30-day period
2005	Invalid Credit Card Number	The customer entered an invalid payment method or made a typo in their credit card information. Have the customer correct their payment information and attempt the transaction again – if the decline persists, they will need to contact their bank.	Hard
2006	Invalid Expiration Date	The customer entered an invalid payment method or made a typo in their card expiration date. Have the customer correct their payment information and attempt the transaction again – if the decline persists, they will need to contact their bank.	Hard
2007	No Account	The submitted card number is not on file with the card-issuing bank. The customer will need to contact their bank.	Hard	Visa: Category 3, limit retries to 15 attempts over a rolling 30-day period
2008	Card Account Length Error	The submitted card number does not include the proper number of digits. Have the customer attempt the transaction again – if the decline persists, the customer will need to contact their bank.	Hard
2009	No Such Issuer	This decline code could indicate that the submitted card number does not correlate to an existing card-issuing bank or that there is a connectivity error with the issuer. The customer will need to contact their bank for more information.	Hard	Visa: Category 1, do not retry
2010	Card Issuer Declined CVV	The customer entered in an invalid security code or made a typo in their card information. Have the customer attempt the transaction again – if the decline persists, the customer will need to contact their bank.	Hard	Visa: Category 3, limit retries to 15 attempts over a rolling 30-day period
2011	Voice Authorization Required	The customer’s bank is requesting that the merchant (you) call to obtain a special authorization code in order to complete this transaction. This can result in a lengthy process – we recommend obtaining a new payment method instead. Contact us for more details.	Hard
2012	Processor Declined – Possible Lost Card	The card used has likely been reported as lost. The customer will need to contact their bank for more information.	Hard
2013	Processor Declined – Possible Stolen Card	The card used has likely been reported as stolen. The customer will need to contact their bank for more information.	Hard
2014	Processor Declined – Fraud Suspected	The customer’s bank suspects fraud – they will need to contact their bank for more information.	Hard	Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period
2015	Transaction Not Allowed	The customer's bank is declining the transaction for unspecified reasons, possibly due to an issue with the card itself. They will need to contact their bank or use a different payment method.	Hard	Visa: Category 1, do not retry
2016	Duplicate Transaction	The submitted transaction appears to be a duplicate of a previously submitted transaction and was declined to prevent charging the same card twice for the same service.	Soft
2017	Cardholder Stopped Billing	The customer requested a cancellation of a single transaction – reach out to them for more information.	Hard	Visa: Category 1, do not retry
2018	Cardholder Stopped All Billing	The customer requested the cancellation of a recurring transaction or subscription – reach out to them for more information.	Hard	Visa: Category 1, do not retry
2019	Invalid Transaction	The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction – for example, the customer used an FSA debit card for a non-healthcare related purchase. They will need to contact their bank for more information.	Hard	Visa: Category 1, do not retry
2020	Violation	The customer will need to contact their bank for more information.	Hard	Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period
2021	Security Violation	The customer's bank is declining the transaction, possibly due to a fraud concern. They will need to contact their bank or use a different payment method.	Hard
2022	Declined – Updated Cardholder Available	The submitted card has expired or been reported lost and a new card has been issued. Reach out to your customer to obtain updated card information.	Hard
2023	Processor Does Not Support This Feature	Your account can't process transactions with the intended feature – for example, 3D Secure or Level 2/Level 3 data. If you believe your merchant account should be set up to accept this type of transaction, contact us .	Hard
2024	Card Type Not Enabled	Your account can't process the attempted card type. If you believe your merchant account should be set up to accept this type of card, contact us for assistance.	Hard
2025	Set Up Error – Merchant	Depending on your region, this response could indicate a connectivity or setup issue. Contact usfor more information regarding this error message.	Soft
2026	Invalid Merchant ID	The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction. If this response persists across transactions for multiple customers, it could indicate a connectivity or setup issue. Contact usfor more information regarding this error message.	Soft	Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period
2027	Set Up Error – Amount	This rare decline code indicates an issue with processing the amount of the transaction. The customer will need to contact their bank for more details.	Hard
2028	Set Up Error – Hierarchy	There is a setup issue with your account.Contact us for more information.	Hard
2029	Set Up Error – Card	This response generally indicates that there is a problem with the submitted card. The customer will need to use a different payment method.	Hard
2030	Set Up Error – Terminal	There is a setup issue with your account.Contact us for more information.	Hard
2031	Encryption Error	The cardholder’s bank does not support $0.00 card verifications. Enable the Retry All Failed $0option to resolve this error.Contact us with questions.	Hard
2032	Surcharge Not Permitted	Surcharge amount not permitted on this card. The customer will need to use a different payment method.	Hard
2033	Inconsistent Data	An error occurred when communicating with the processor. The customer will need to contact their bank for more details.	Hard
2034	No Action Taken	An error occurred and the intended transaction was not completed. Attempt the transaction again.	Soft
2035	Partial Approval For Amount In Group III Version	The customer's bank approved the transaction for less than the requested amount. Have the customer attempt the transaction again – if the decline persists, the customer will need to use a different payment method.	Soft
2036	Authorization could not be found	An error occurred when trying to process the authorization. This response could indicate an issue with the customer’s card or that the processor doesn't allow this action – contact us for more information.	Hard
2037	Already Reversed	The indicated authorization has already been reversed. If you believe this to be false, contact us for more information.	Hard
2038	Processor Declined	The customer's bank is unwilling to accept the transaction. The reasons for this response can vary – customer will need to contact their bank for more details.	Soft	Visa: Category 2 or 3, limit retries to 15 attempts over a rolling 30-day period
2039	Invalid Authorization Code	The authorization code was not found or not provided. Have the customer attempt the transaction again – if the decline persists, they will need to contact their bank.	Hard
2040	Invalid Store	There may be an issue with the configuration of your account. Have the customer attempt the transaction again – if the decline persists, contact us for more information.	Soft
2041	Declined – Call For Approval	The card used for this transaction requires customer approval – they will need to contact their bank.	Hard
2042	Invalid Client ID	There may be an issue with the configuration of your account. Have the customer attempt the transaction again – if the decline persists, contact us for more information.	Soft
2043	Error – Do Not Retry, Call Issuer	The card-issuing bank will not allow this transaction. The customer will need to contact their bank for more information.	Hard
2044	Declined – Call Issuer	The card-issuing bank has declined this transaction. Have the customer attempt the transaction again – if the decline persists, they will need to contact their bank for more information.	Hard	Visa: Category 1, do not retry
2045	Invalid Merchant Number	There is a setup issue with your account.Contact us for more information.	Hard
2046	Declined	The customer's bank is unwilling to accept the transaction. For credit/debit card transactions, the customer will need to contact their bank for more details regarding this generic decline; if this is a PayPal transaction, the customer will need to contact PayPal.	Soft	Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period
2047	Call Issuer. Pick Up Card	The customer’s card has been reported as lost or stolen by the cardholder and the card-issuing bank has requested that merchants keep the card and call the number on the back to report it. As an online merchant, you don’t have the physical card and can't complete this request – obtain a different payment method from the customer.	Hard	Visa: Category 1, do not retry
2048	Invalid Amount	The authorized amount is set to zero, is unreadable, or exceeds the allowable amount. Make sure the amount is greater than zero and in a suitable format.	Soft
2049	Invalid SKU Number	A non-numeric value was sent with the attempted transaction. Fix errors and resubmit with the transaction with the proper SKU Number.	Hard
2050	Invalid Credit Plan	There may be an issue with the customer’s card or a temporary issue at the card-issuing bank. The customer will need to contact their bank for more information or use a different payment method.	Hard
2051	Credit Card Number does not match method of payment	There may be an issue with the customer’s credit card or a temporary issue at the card-issuing bank. Have the customer attempt the transaction again – if the decline persists, ask for a different card or payment method.	Hard
2052	Invalid level III Purchase	Level III Data is inaccurate or missing.	Soft
2053	Card reported as lost or stolen	The card used was reported lost or stolen. The customer will need to contact their bank for more information or use a different payment method.	Hard
2054	Reversal amount does not match authorization amount	Either the refund amount is greater than the original transaction or the card-issuing bank does not allow partial refunds. The customer will need to contact their bank for more information or use a different payment method.	Hard
2055	Invalid Transaction Division Number	Contact usfor more information regarding this error message.	Hard
2056	Transaction amount exceeds the transaction division limit	Contact usfor more information regarding this error message.	Hard
2057	Issuer or Cardholder has put a restriction on the card	The customer will need to contact their issuing bank for more information.	Soft	Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period
2058	Merchant not Mastercard SecureCode enabled	The attempted card can't be processed without enabling 3D Securefor your account.Contact usfor more information regarding this feature or contact the customer for a different payment method.	Hard
2059	Address Verification Failed	PayPal was unable to verify that the transaction qualifies for Seller Protectionbecause the address was improperly formatted. The customer should contact PayPal for more information or use a different payment method.	Hard
2060	Address Verification and Card Security Code Failed	Both the AVS and CVV checks failed for this transaction. The customer should contact PayPal for more information or use a different payment method.	Hard
2061	Invalid Transaction Data	There may be an issue with the customer’s card or a temporary issue at the card-issuing bank. Have the customer attempt the transaction again – if the decline persists, ask for a different card or payment method.	Hard
2062	Invalid Tax Amount	There may be an issue with the customer’s card or a temporary issue at the card-issuing bank. Have the customer attempt the transaction again – if the decline persists, ask for a different card or payment method.	Soft
2063	PayPal Business Account preference resulted in the transaction failing	You can't process this transaction because your account is set to block certain payment types, such as eChecks or foreign currencies. If you believe you have received this decline in error,contact us .	Hard
2064	Invalid Currency Code	There may be an issue with the configuration of your account for the currency specified. Contact us for more information.	Hard
2065	Refund Time Limit Exceeded	PayPal requires that refunds are issued within 180 days of the sale. This refund can't be successfully processed.	Hard
2066	PayPal Business Account Restricted	Contact PayPal’s Support team to resolve this issue with your account. Then, you can attempt the transaction again.	Hard
2067	Authorization Expired	The PayPal authorization is no longer valid.	Hard
2068	PayPal Business Account Locked or Closed	You'll need tocontact PayPal’s Support team to resolve an issue with your account. Once resolved, you can attempt to process the transaction again.	Hard
2069	PayPal Blocking Duplicate Order IDs	The submitted PayPal transaction appears to be a duplicate of a previously submitted transaction. This decline code indicates an attempt to prevent charging the same PayPal account twice for the same service.	Hard
2070	PayPal Buyer Revoked Pre-Approved Payment Authorization	The customer revoked authorization for this payment method. Reach out to the customer for more information or a different payment method.	Hard
2071	PayPal Payee Account Invalid Or Does Not Have a Confirmed Email	Customer has not finalized setup of their PayPal account. Reach out to the customer for more information or a different payment method.	Hard
2072	PayPal Payee Email Incorrectly Formatted	Customer made a typo or is attempting to use an invalid PayPal account.	Hard
2073	PayPal Validation Error	PayPal can't validate this transaction.Contact us for more details.	Hard
2074	Funding Instrument In The PayPal Account Was Declined By The Processor Or Bank, Or It Can't Be Used For This Payment	The customer’s payment method associated with their PayPal account was declined. Reach out to the customer for more information or a different payment method.	Hard
2075	Payer Account Is Locked Or Closed	The customer’s PayPal account can't be used for transactions at this time. The customer will need to contact PayPal for more information or use a different payment method.	Hard
2076	Payer Cannot Pay For This Transaction With PayPal	The customer should contact PayPal for more information or use a different payment method. You may also receive this response if you create transactions using the email address registered with your PayPal Business Account.	Hard
2077	Transaction Refused Due To PayPal Risk Model	PayPal has declined this transaction due to risk limitations. You'll need to contact PayPal’s Support teamto resolve this issue.	Hard
2078	Invalid Secure Payment Data	PIN cryptographic error found during decryption.	Hard
2079	PayPal Merchant Account Configuration Error	You'll need tocontact us to resolve an issue with your account. Once resolved, you can attempt to process the transaction again.	Hard
2080	Invalid user credentials	Invalid user credentials.	Hard
2081	PayPal pending payments are not supported	Braintree received an unsupported Pending Verification response from PayPal. Contact Braintree’s Support teamto resolve a potential issue with your account settings. If there is no issue with your account, have the customer reach out to PayPal for more information.	Hard
2082	PayPal Domestic Transaction Required	This transaction requires the customer to be a resident of the same country as the merchant. Reach out to the customer for a different payment method.	Hard
2083	PayPal Phone Number Required	This transaction requires the payer to provide a valid phone number. The customer should contact PayPal for more information or use a different payment method.	Hard
2084	PayPal Tax Info Required	The customer must complete their PayPal account information, including submitting their phone number and all required tax information.	Hard
2085	PayPal Payee Blocked Transaction	Fraud settings on your PayPal business account are blocking payments from this customer. These can be adjusted in the Block Payments section of your PayPal business account.	Hard
2086	PayPal Transaction Limit Exceeded	The settings on the customer's account do not allow a transaction amount this large. They will need to contact PayPal to resolve this issue.	Hard
2087	PayPal reference transactions not enabled for your account	PayPal API permissions are not set up to allow reference transactions. You'll need to contact PayPal’s Support teamto resolve an issue with your account. Once resolved, you can attempt to process the transaction again.	Hard
2088	Currency not enabled for your PayPal seller account	This currency is not currently supported by your PayPal account. You can accept additional currencies by updating your PayPal profile .	Hard
2089	PayPal payee email permission denied for this request	PayPal API permissions are not set up between your PayPal business accounts. Contact us for more information.	Hard
2090	PayPal or Venmo account not configured to refund more than settled amount	Your PayPal or Venmo account is not set up to refund amounts higher than the original transaction amount. Contact PayPal's Support teamfor information on how to enable this for your PayPal account.	Hard
2091	Currency of this transaction must match currency of your PayPal account	Your PayPal account can only process transactions in the currency of your home country. Contact PayPal's Support teamfor more information.	Hard
2092	No Data Found - Try Another Verification Method	The processor is unable to provide a definitive answer about the customer's bank account. Please try a different US bank account verification method.	Soft
2093	PayPal payment method is invalid	The PayPal payment method has either expired or been canceled.	Hard
2094	PayPal payment has already been completed	Your integration is likely making PayPal calls out of sequence. Check the error response for more details.	Hard
2095	PayPal refund is not allowed after partial refund	Once a PayPal transaction is partially refunded, all subsequent refunds must also be partial refunds for the remaining amount or less. Full refunds are not allowed after a PayPal transaction has been partially refunded.	Hard
2096	PayPal buyer account can't be the same as the seller account	PayPal buyer account can't be the same as the seller account.	Hard
2097	PayPal authorization amount limit exceeded	PayPal authorization amount is greater than the allowed limit on the order.	Hard
2098	PayPal authorization count limit exceeded	The number of PayPal authorizations is greater than the allowed number on the order.	Hard
2099	Cardholder Authentication Required	The customer's bank declined the transaction because a 3D Secure authentication was not performed during checkout. Have the customer authenticate using 3D Secure, then attempt the authorization again.	Soft
2100	PayPal channel initiated billing not enabled for your account	Your PayPal permissions are not set up to allow channel initiated billing transactions. Contact PayPal's Support teamfor information on how to enable this. Once resolved, you can attempt to process the transaction again.	Hard
2101	Additional authorization required	This transaction requires additional customer credentials for authorization. The customer should insert their chip.	Soft	Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period
2102	Incorrect PIN	The entered PIN was incorrect.	Soft	Visa: Category 3, limit retries to 15 attempts over a rolling 30-day period
2103	PIN try exceeded	The allowable number of PIN tries has been exceeded.	Soft	Visa: Category 3, limit retries to 15 attempts over a rolling 30-day period
2104	Offline Issuer Declined	The transaction was declined offline by the issuer. The customer will need to contact their bank for more information.	Soft
2105	Cannot Authorize at this time (Life cycle)	The transaction is refused due to invalid card data. Please try again later.	Soft
2106	Cannot Authorize at this time (Policy)	The transaction is refused due to a policy reason. Please try again later.	Soft
2107	Card Not Activated	The transaction is from a new cardholder, and the card has not been properly unblocked.	Hard	Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period
2108	Closed Card	The account is closed. Re-validate the account number for accuracy and do not reattempt with the same PAN or token.	Hard	Visa: Category 1, do not retry
2109-2999	Processor Declined	The customer's bank is unwilling to accept the transaction. The customer will need to contact their bank for more details regarding this generic decline.	Soft
3000	Processor Network Unavailable – Try Again	This response could indicate a problem with the back-end processing network, not necessarily a problem with the payment method. Have the customer attempt the transaction again – if the decline persists, contact us for more information.	Soft

Code

Text

Implications

Type

Retry Guidance

2000

Do Not Honor

The customer's bank is unwilling to accept the transaction. The customer will need to contact their bank for more details regarding this generic decline.

Soft

Visa: Category 4, limit retries to 15 attempts over a rolling 30-day period

2001

Insufficient Funds

The account did not have sufficient funds to cover the transaction amount at the time of the transaction – subsequent attempts at a later date may be successful.

Soft

Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period

2002

Limit Exceeded

The attempted transaction exceeds the withdrawal limit of the account. The customer will need to contact their bank to change the account limits or use a different payment method.

Soft

Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period

2003

Cardholder's Activity Limit Exceeded

The attempted transaction exceeds the activity limit of the account. The customer will need to contact their bank to change the account limits or use a different payment method.

Soft

Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period

2004

Expired Card

Card is expired. The customer will need to use a different payment method.

Hard

Visa: Category 3, limit retries to 15 attempts over a rolling 30-day period

2005

Invalid Credit Card Number

The customer entered an invalid payment method or made a typo in their credit card information. Have the customer correct their payment information and attempt the transaction again – if the decline persists, they will need to contact their bank.

Hard

2006

Invalid Expiration Date

The customer entered an invalid payment method or made a typo in their card expiration date. Have the customer correct their payment information and attempt the transaction again – if the decline persists, they will need to contact their bank.

Hard

2007

No Account

The submitted card number is not on file with the card-issuing bank. The customer will need to contact their bank.

Hard

Visa: Category 3, limit retries to 15 attempts over a rolling 30-day period

2008

Card Account Length Error

The submitted card number does not include the proper number of digits. Have the customer attempt the transaction again – if the decline persists, the customer will need to contact their bank.

Hard

2009

No Such Issuer

This decline code could indicate that the submitted card number does not correlate to an existing card-issuing bank or that there is a connectivity error with the issuer. The customer will need to contact their bank for more information.

Hard

Visa: Category 1, do not retry

2010

Card Issuer Declined CVV

The customer entered in an invalid security code or made a typo in their card information. Have the customer attempt the transaction again – if the decline persists, the customer will need to contact their bank.

Hard

Visa: Category 3, limit retries to 15 attempts over a rolling 30-day period

2011

Voice Authorization Required

The customer’s bank is requesting that the merchant (you) call to obtain a special authorization code in order to complete this transaction. This can result in a lengthy process – we recommend obtaining a new payment method instead.

Contact us for more details.

Hard

2012

Processor Declined – Possible Lost Card

The card used has likely been reported as lost. The customer will need to contact their bank for more information.

Hard

2013

Processor Declined – Possible Stolen Card

The card used has likely been reported as stolen. The customer will need to contact their bank for more information.

Hard

2014

Processor Declined – Fraud Suspected

The customer’s bank suspects fraud – they will need to contact their bank for more information.

Hard

Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period

2015

Transaction Not Allowed

The customer's bank is declining the transaction for unspecified reasons, possibly due to an issue with the card itself. They will need to contact their bank or use a different payment method.

Hard

Visa: Category 1, do not retry

2016

Duplicate Transaction

The submitted transaction appears to be a duplicate of a previously submitted transaction and was declined to prevent charging the same card twice for the same service.

Soft

2017

Cardholder Stopped Billing

The customer requested a cancellation of a single transaction – reach out to them for more information.

Hard

Visa: Category 1, do not retry

2018

Cardholder Stopped All Billing

The customer requested the cancellation of a recurring transaction or subscription – reach out to them for more information.

Hard

Visa: Category 1, do not retry

2019

Invalid Transaction

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction – for example, the customer used an FSA debit card for a non-healthcare related purchase. They will need to contact their bank for more information.

Hard

Visa: Category 1, do not retry

2020

Violation

The customer will need to contact their bank for more information.

Hard

Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period

2021

Security Violation

The customer's bank is declining the transaction, possibly due to a fraud concern. They will need to contact their bank or use a different payment method.

Hard

2022

Declined – Updated Cardholder Available

The submitted card has expired or been reported lost and a new card has been issued. Reach out to your customer to obtain updated card information.

Hard

2023

Processor Does Not Support This Feature

Your account can't process transactions with the intended feature – for example, 3D Secure or Level 2/Level 3 data. If you believe your merchant account should be set up to accept this type of transaction,

contact us .

Hard

2024

Card Type Not Enabled

Your account can't process the attempted card type. If you believe your merchant account should be set up to accept this type of card,

contact us for assistance.

Hard

2025

Set Up Error – Merchant

Depending on your region, this response could indicate a connectivity or setup issue.

Contact usfor more information regarding this error message.

Soft

2026

Invalid Merchant ID

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction. If this response persists across transactions for multiple customers, it could indicate a connectivity or setup issue.

Contact usfor more information regarding this error message.

Soft

Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period

2027

Set Up Error – Amount

This rare decline code indicates an issue with processing the amount of the transaction. The customer will need to contact their bank for more details.

Hard

2028

Set Up Error – Hierarchy

There is a setup issue with your account.Contact us for more information.

Hard

2029

Set Up Error – Card

This response generally indicates that there is a problem with the submitted card. The customer will need to use a different payment method.

Hard

2030

Set Up Error – Terminal

There is a setup issue with your account.Contact us for more information.

Hard

2031

Encryption Error

The cardholder’s bank does not support $0.00 card verifications. Enable the

Retry All Failed $0option to resolve this error.Contact us with questions.

Hard

2032

Surcharge Not Permitted

Surcharge amount not permitted on this card. The customer will need to use a different payment method.

Hard

2033

Inconsistent Data

An error occurred when communicating with the processor. The customer will need to contact their bank for more details.

Hard

2034

No Action Taken

An error occurred and the intended transaction was not completed. Attempt the transaction again.

Soft

2035

Partial Approval For Amount In Group III Version

The customer's bank approved the transaction for less than the requested amount. Have the customer attempt the transaction again – if the decline persists, the customer will need to use a different payment method.

Soft

2036

Authorization could not be found

An error occurred when trying to process the authorization. This response could indicate an issue with the customer’s card or that the processor doesn't allow this action –

contact us for more information.

Hard

2037

Already Reversed

The indicated authorization has already been reversed. If you believe this to be false,

contact us for more information.

Hard

2038

Processor Declined

The customer's bank is unwilling to accept the transaction. The reasons for this response can vary – customer will need to contact their bank for more details.

Soft

Visa: Category 2 or 3, limit retries to 15 attempts over a rolling 30-day period

2039

Invalid Authorization Code

The authorization code was not found or not provided. Have the customer attempt the transaction again – if the decline persists, they will need to contact their bank.

Hard

2040

Invalid Store

There may be an issue with the configuration of your account. Have the customer attempt the transaction again – if the decline persists,

contact us for more information.

Soft

2041

Declined – Call For Approval

The card used for this transaction requires customer approval – they will need to contact their bank.

Hard

2042

Invalid Client ID

There may be an issue with the configuration of your account. Have the customer attempt the transaction again – if the decline persists,

contact us for more information.

Soft

2043

Error – Do Not Retry, Call Issuer

The card-issuing bank will not allow this transaction. The customer will need to contact their bank for more information.

Hard

2044

Declined – Call Issuer

The card-issuing bank has declined this transaction. Have the customer attempt the transaction again – if the decline persists, they will need to contact their bank for more information.

Hard

Visa: Category 1, do not retry

2045

Invalid Merchant Number

There is a setup issue with your account.Contact us for more information.

Hard

2046

Declined

The customer's bank is unwilling to accept the transaction. For credit/debit card transactions, the customer will need to contact their bank for more details regarding this generic decline; if this is a PayPal transaction, the customer will need to contact PayPal.

Soft

Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period

2047

Call Issuer. Pick Up Card

The customer’s card has been reported as lost or stolen by the cardholder and the card-issuing bank has requested that merchants keep the card and call the number on the back to report it. As an online merchant, you don’t have the physical card and can't complete this request – obtain a different payment method from the customer.

Hard

Visa: Category 1, do not retry

2048

Invalid Amount

The authorized amount is set to zero, is unreadable, or exceeds the allowable amount. Make sure the amount is greater than zero and in a suitable format.

Soft

2049

Invalid SKU Number

A non-numeric value was sent with the attempted transaction. Fix errors and resubmit with the transaction with the proper SKU Number.

Hard

2050

Invalid Credit Plan

There may be an issue with the customer’s card or a temporary issue at the card-issuing bank. The customer will need to contact their bank for more information or use a different payment method.

Hard

2051

Credit Card Number does not match method of payment

There may be an issue with the customer’s credit card or a temporary issue at the card-issuing bank. Have the customer attempt the transaction again – if the decline persists, ask for a different card or payment method.

Hard

2052

Invalid level III Purchase

Level III Data is inaccurate or missing.

Soft

2053

Card reported as lost or stolen

The card used was reported lost or stolen. The customer will need to contact their bank for more information or use a different payment method.

Hard

2054

Reversal amount does not match authorization amount

Either the refund amount is greater than the original transaction or the card-issuing bank does not allow

partial refunds. The customer will need to contact their bank for more information or use a different payment method.

Hard

2055

Invalid Transaction Division Number

Contact usfor more information regarding this error message.

Hard

2056

Transaction amount exceeds the transaction division limit

Contact usfor more information regarding this error message.

Hard

2057

Issuer or Cardholder has put a restriction on the card

The customer will need to contact their issuing bank for more information.

Soft

Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period

2058

Merchant not Mastercard SecureCode enabled

The attempted card can't be processed without enabling

3D Securefor your account.Contact usfor more information regarding this feature or contact the customer for a different payment method.

Hard

2059

Address Verification Failed

PayPal was unable to verify that the transaction qualifies for

Seller Protectionbecause the address was improperly formatted. The customer should contact PayPal for more information or use a different payment method.

Hard

2060

Address Verification and Card Security Code Failed

Both the AVS and CVV checks failed for this transaction. The customer should contact PayPal for more information or use a different payment method.

Hard

2061

Invalid Transaction Data

There may be an issue with the customer’s card or a temporary issue at the card-issuing bank. Have the customer attempt the transaction again – if the decline persists, ask for a different card or payment method.

Hard

2062

Invalid Tax Amount

Soft

2063

PayPal Business Account preference resulted in the transaction failing

You can't process this transaction because your account is set to

block certain payment types, such as eChecks or foreign currencies. If you believe you have received this decline in error,contact us .

Hard

2064

Invalid Currency Code

There may be an issue with the configuration of your account for the currency specified.

Contact us for more information.

Hard

2065

Refund Time Limit Exceeded

PayPal requires that refunds are issued within 180 days of the sale. This refund can't be successfully processed.

Hard

2066

PayPal Business Account Restricted

Contact PayPal’s Support team

to resolve this issue with your account. Then, you can attempt the transaction again.

Hard

2067

Authorization Expired

The PayPal authorization is no longer valid.

Hard

2068

PayPal Business Account Locked or Closed

You'll need tocontact PayPal’s Support team

to resolve an issue with your account. Once resolved, you can attempt to process the transaction again.

Hard

2069

PayPal Blocking Duplicate Order IDs

The submitted PayPal transaction appears to be a duplicate of a previously submitted transaction. This decline code indicates an attempt to prevent charging the same PayPal account twice for the same service.

Hard

2070

PayPal Buyer Revoked Pre-Approved Payment Authorization

The customer revoked authorization for this payment method. Reach out to the customer for more information or a different payment method.

Hard

2071

PayPal Payee Account Invalid Or Does Not Have a Confirmed Email

Customer has not finalized setup of their PayPal account. Reach out to the customer for more information or a different payment method.

Hard

2072

PayPal Payee Email Incorrectly Formatted

Customer made a typo or is attempting to use an invalid PayPal account.

Hard

2073

PayPal Validation Error

PayPal can't validate this transaction.Contact us for more details.

Hard

2074

Funding Instrument In The PayPal Account Was Declined By The Processor Or Bank, Or It Can't Be Used For This Payment

The customer’s payment method associated with their PayPal account was declined. Reach out to the customer for more information or a different payment method.

Hard

2075

Payer Account Is Locked Or Closed

The customer’s PayPal account can't be used for transactions at this time. The customer will need to contact PayPal for more information or use a different payment method.

Hard

2076

Payer Cannot Pay For This Transaction With PayPal

The customer should contact PayPal for more information or use a different payment method. You may also receive this response if you create transactions using the email address registered with your PayPal Business Account.

Hard

2077

Transaction Refused Due To PayPal Risk Model

PayPal has declined this transaction due to risk limitations. You'll need to

contact PayPal’s Support teamto resolve this issue.

Hard

2078

Invalid Secure Payment Data

PIN cryptographic error found during decryption.

Hard

2079

PayPal Merchant Account Configuration Error

You'll need tocontact us

to resolve an issue with your account. Once resolved, you can attempt to process the transaction again.

Hard

2080

Invalid user credentials

Invalid user credentials.

Hard

2081

PayPal pending payments are not supported

Braintree received an unsupported Pending Verification response from PayPal. Contact

Braintree’s Support teamto resolve a potential issue with your account settings. If there is no issue with your account, have the customer reach out to PayPal for more information.

Hard

2082

PayPal Domestic Transaction Required

This transaction requires the customer to be a resident of the same country as the merchant. Reach out to the customer for a different payment method.

Hard

2083

PayPal Phone Number Required

This transaction requires the payer to provide a valid phone number. The customer should contact PayPal for more information or use a different payment method.

Hard

2084

PayPal Tax Info Required

The customer must complete their PayPal account information, including submitting their phone number and all required tax information.

Hard

2085

PayPal Payee Blocked Transaction

Fraud settings on your PayPal business account are blocking payments from this customer. These can be adjusted in the Block Payments section of your PayPal business account.

Hard

2086

PayPal Transaction Limit Exceeded

The settings on the customer's account do not allow a transaction amount this large. They will need to contact PayPal to resolve this issue.

Hard

2087

PayPal reference transactions not enabled for your account

PayPal API permissions are not set up to allow reference transactions. You'll need to

contact PayPal’s Support teamto resolve an issue with your account. Once resolved, you can attempt to process the transaction again.

Hard

2088

Currency not enabled for your PayPal seller account

This currency is not currently supported by your PayPal account. You can accept additional currencies by

updating your PayPal profile .

Hard

2089

PayPal payee email permission denied for this request

PayPal API permissions are not set up between your PayPal business accounts.

Contact us for more information.

Hard

2090

PayPal or Venmo account not configured to refund more than settled amount

Your PayPal or Venmo account is not set up to refund amounts higher than the original transaction amount.

Contact PayPal's Support teamfor information on how to enable this for your PayPal account.

Hard

2091

Currency of this transaction must match currency of your PayPal account

Your PayPal account can only process transactions in the currency of your home country.

Contact PayPal's Support teamfor more information.

Hard

2092

No Data Found - Try Another Verification Method

The processor is unable to provide a definitive answer about the customer's bank account. Please try a different US bank account verification method.

Soft

2093

PayPal payment method is invalid

The PayPal payment method has either expired or been canceled.

Hard

2094

PayPal payment has already been completed

Your integration is likely making PayPal calls out of sequence. Check the error response for more details.

Hard

2095

PayPal refund is not allowed after partial refund

Once a PayPal transaction is partially refunded, all subsequent refunds must also be partial refunds for the remaining amount or less. Full refunds are not allowed after a PayPal transaction has been partially refunded.

Hard

2096

PayPal buyer account can't be the same as the seller account

PayPal buyer account can't be the same as the seller account.

Hard

2097

PayPal authorization amount limit exceeded

PayPal authorization amount is greater than the allowed limit on the order.

Hard

2098

PayPal authorization count limit exceeded

The number of PayPal authorizations is greater than the allowed number on the order.

Hard

2099

Cardholder Authentication Required

The customer's bank declined the transaction because a 3D Secure authentication was not performed during checkout. Have the customer authenticate using 3D Secure, then attempt the authorization again.

Soft

2100

PayPal channel initiated billing not enabled for your account

Your PayPal permissions are not set up to allow channel initiated billing transactions.

Contact PayPal's Support teamfor information on how to enable this. Once resolved, you can attempt to process the transaction again.

Hard

2101

Additional authorization required

This transaction requires additional customer credentials for authorization. The customer should insert their chip.

Soft

Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period

2102

Incorrect PIN

The entered PIN was incorrect.

Soft

Visa: Category 3, limit retries to 15 attempts over a rolling 30-day period

2103

PIN try exceeded

The allowable number of PIN tries has been exceeded.

Soft

Visa: Category 3, limit retries to 15 attempts over a rolling 30-day period

2104

Offline Issuer Declined

The transaction was declined offline by the issuer. The customer will need to contact their bank for more information.

Soft

2105

Cannot Authorize at this time (Life cycle)

The transaction is refused due to invalid card data. Please try again later.

Soft

2106

Cannot Authorize at this time (Policy)

The transaction is refused due to a policy reason. Please try again later.

Soft

2107

Card Not Activated

The transaction is from a new cardholder, and the card has not been properly unblocked.

Hard

Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period

2108

Closed Card

The account is closed. Re-validate the account number for accuracy and do not reattempt with the same PAN or token.

Hard

Visa: Category 1, do not retry

2109-2999

Processor Declined

The customer's bank is unwilling to accept the transaction. The customer will need to contact their bank for more details regarding this generic decline.

Soft

3000

Processor Network Unavailable – Try Again

This response could indicate a problem with the back-end processing network, not necessarily a problem with the payment method. Have the customer attempt the transaction again – if the decline persists,

contact us for more information.

Soft

Settlement decline codes

Code	Text	Explanation
4001	Settlement Declined	The processor declined to settle the sale or refund request.
4003	Already Captured	The transaction has already been fully captured.
4004	Already Refunded	The transaction has already been fully refunded.
4005	PayPal Risk Rejected	The sale request was rejected by PayPal risk.
4006	Capture Amount Exceeded Allowable Limit	The specified capture amount exceeded the amount allowed by the processor.
4018	PayPal Pending Payments Not Supported	PayPal returned a pending sale or refund response which is disallowed by Braintree. This failure is likely due to a misconfiguration in your PayPal account. Further details may be found in the transaction details.
4019	PayPal Refund Transaction with an Open Case Not Allowed	PayPal declined to settle the refund request as there is an open dispute against the transaction. If you have enabled PayPal disputes within Braintree, you may resolve the dispute within the Braintree disputes dashboard. Otherwise, you may do so via your PayPal account's Resolution Center.
4020	PayPal Refund Attempt Limit Reached	PayPal's maximum number of refund attempts for this transaction has been exceeded.
4021	PayPal Refund Transaction Not Allowed	PayPal does not allow you to refund this type of transaction.
4022	PayPal Refund Invalid Partial Amount	The partial refund amount is not valid.
4023	PayPal Refund Merchant Account Missing ACH	Your PayPal account does not have an associated verified bank account.
4024	Refund Time Limit Exceeded	PayPal requires that refunds are issued within 180 days of the sale. This refund can't be successfully processed.
4025	Payer Account Is Locked Or Closed	The customer’s PayPal account can't be used for transactions at this time. The customer will need to contact PayPal's Support team for more information or use a different payment method.
4026	PayPal or Venmo account not configured to refund more than settled amount	Your PayPal or Venmo account is not set up to refund amounts higher than the original transaction amount. Contact PayPal's Support team for information on how to enable this for your PayPal account.