A
Authorize.netAuthorize 128
Customer's Institution Unavailable
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
The customer's financial institution does not currently allow transactions for this account.
Recommended Action
Ask the customer to contact their financial institution or use a different payment method.
Common Causes
- Account is blocked or restricted by the institution
- Institution has placed a hold on the account
- Account type does not allow this transaction
Recovery Tips
- Send a dunning email advising the customer to contact their bank
- Request an alternative payment method
Quick Reference
Code
128
Category
Hard Decline
Retryable
No
Source
Authorize
Recoverability verdict
Retrying 128 will not work
This is a hard decline. Retrying code 128 will not recover the payment. But most merchants seeing this code also have soft declines they are not recovering. Check what your retry strategy is leaving behind.
Related Decline Codes
4Non-Retryable
Pick Up Card
The issuer has flagged this card for pickup. This typically indicates the card has been reported lost, stolen, or is associated with fraud.
5Non-Retryable
Invalid Amount
The transaction amount is invalid. A valid numeric amount is required.
6Non-Retryable
Invalid Credit Card Number
The credit card number provided is invalid. The number did not pass basic validation checks.
7Non-Retryable
Invalid Expiration Date
The credit card expiration date format is invalid.