Vantiv Decline Codes

There is a problem with the card network or PINless Debit network. The processing network is temporarily unavailable.

The card issuer's system is unavailable. The issuing bank cannot authorize the transaction at this time.

There is a temporary problem with the submission. The transaction should be re-submitted.

The transaction could not be processed due to a transitory communication issue with an internal or external service.

The card does not have enough funds to cover the transaction amount.

Insufficient funds. The network advises retrying after at least 1 hour.

Insufficient funds. The network advises retrying after at least 24 hours.

Insufficient funds. The network advises retrying after at least 2 days.

Insufficient funds. The network advises retrying after at least 4 days.

Insufficient funds. The network advises retrying after at least 6 days.

Insufficient funds. The network advises retrying after at least 8 days.

Insufficient funds. The network advises retrying after at least 10 days.

There is an unspecified problem with the card. The cardholder should contact the issuing bank.

Some cardholder data is out of date. The cardholder should contact the issuer to update their information.

This transaction exceeds the daily approval limit for the card.

The card is invalid or has expired. The cardholder should be contacted to update their information.

The transaction is not permitted, or the card is not available for use. The information should be verified and the transaction resubmitted.

An unspecified error was returned by the issuer. This is typically a transient issue.

The submitted card has not been activated. The cardholder needs to activate their card before it can be used.

The transaction would violate applicable law or regulation.

A system error occurred during processing. This is a temporary technical failure.

The transaction amount is invalid — it may be too high, too low, or above the merchant's transaction limit.

The issuing bank has put a temporary hold on the card and declined the transaction without a specific reason.

The transaction was declined for an unspecified reason. This can be either a hard or soft decline depending on the payment method and circumstances.

Worldpay is experiencing issues communicating with the processing network. This is a temporary connectivity problem.

The issuing bank declined the transaction as suspected fraud.

The issuing bank does not support the submitted transaction type or has blocked it.

The cardholder has blocked this transaction. The cardholder must resolve the issue with their issuer.

The transaction was declined because it was submitted with an incorrect security code (CVV2/CID).

The transaction is a duplicate of a previously submitted transaction.

The account number is not valid. The customer should verify their card information.

The payment type selected does not match the card number. For example, the transaction specified Visa but the card number is a Mastercard.

The issuer has requested that the card be picked up. Do not process the transaction.

The card has been reported as lost or stolen. Do not process the transaction.

The card has expired.

The card has a restriction preventing approval for this transaction. Contact the issuing bank for the specific reason.

The transaction was declined due to the FraudSight Prior Chargeback Card Filtering Service, or the card has a restriction preventing approval due to previous chargebacks.

The transaction was declined by the FraudSight Prepaid Card Filtering service.

The transaction was declined by the FraudSight International Card Filtering Service.

The transaction was declined by the FraudSight Auth Fraud Velocity Filtering Service due to suspicious transaction velocity.

The card is under sanction and cannot be processed.

The transaction was declined by the Auth Fraud Advice Filtering Service.

The transaction was declined by the FraudSight Auth Fraud AVS Filtering Service.

The card expiration date provided is invalid.

The transaction is not permitted by the issuer. This may also be returned for transactions filtered by FraudSight services.

The card number references an issuer that does not exist. The card number is invalid.

The merchant does not allow this card type or specific transaction for this cardholder.

The cardholder has requested that recurring or installment payments be stopped. The card issuing bank no longer accepts these transactions.

This payment type is not accepted by the issuer.

The card security code (CVV2/CID) is invalid.

The transaction was declined by Worldpay due to the security code (CVV2, CID, etc.) not matching.

The account associated with the card has been closed. Contact the cardholder for updated information.

The transaction was declined because the FraudSight Fraud Filter Score was below the acceptable threshold set in the merchant's policy.