A
Authorize.netAuthorize 37
Invalid Credit Card Number
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
The credit card number is invalid. This is a secondary validation failure indicating the card number does not match any known card format.
Recommended Action
Ask the customer to verify their card number and re-enter it.
Common Causes
- Card number contains errors
- Card number does not match expected BIN ranges
- Truncated or corrupted card number
Recovery Tips
- Implement client-side card number validation
- Send a dunning email requesting updated card details
Quick Reference
Code
37
Category
Hard Decline
Retryable
No
Source
Authorize
Recoverability verdict
Retrying 37 will not work
This is a hard decline. Retrying code 37 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.