A
Authorize.netAuthorize 44
CVV Code Mismatch
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
The card code (CVV/CVC) submitted does not match the card code on file at the issuing bank. The transaction was declined based on card code verification settings.
Recommended Action
Ask the customer to re-enter the correct CVV/CVC code from the back of their card.
Common Causes
- Incorrect CVV/CVC entered
- Card code mismatch at the issuer
- CVV filter settings configured to reject mismatches
Recovery Tips
- Send a dunning email asking the customer to update their payment method
- Provide clear instructions on where to find the CVV code
Quick Reference
Code
44
Category
Hard Decline
Retryable
No
Source
Authorize
Recoverability verdict
Retrying 44 will not work
This is a hard decline. Retrying code 44 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.