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
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.
Authorize 128 recovery
Recover more payments like Authorize 128
Slicker handles codes like 128 by combining decline reason, issuer behavior, BIN data, and timing signals to choose the next best recovery action.
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