A
Authorize.netAuthorize 65
Card Code Filter Decline
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
The transaction was declined because the merchant configured their account to reject transactions with a Card Code (CVV) mismatch.
Recommended Action
Ask the customer to re-enter the correct CVV code.
Common Causes
- CVV mismatch and merchant filter is set to decline
- Incorrect card security code entered
Recovery Tips
- Send a dunning email requesting updated card details
- Review your CVV filter settings if seeing excessive declines
Quick Reference
Code
65
Category
Hard Decline
Retryable
No
Source
Authorize
Recoverability verdict
Retrying 65 will not work
This is a hard decline. Retrying code 65 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.