A
Authorize.netAuthorize 45
AVS and Card Code Filter Decline
Fraud/Security
Suspected fraudulent activity or security blocks
Do Not Retry
Retry will not succeed
Description
The transaction was declined because it triggered both the AVS and Card Code rejection filters configured in the merchant's account settings.
Recommended Action
Ask the customer to verify both their billing address and CVV code. Review your filter settings.
Common Causes
- Both AVS and CVV checks failed
- Merchant filter settings reject combined mismatches
- Incorrect billing details provided
Recovery Tips
- Send a dunning email asking the customer to update their billing address and card details
- Review your AVS and CVV filter settings for appropriate strictness
Quick Reference
Code
45
Category
Fraud/Security
Retryable
No
Source
Authorize
Recoverability verdict
Retrying 45 will not work
This is a hard decline. Retrying code 45 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.