V
Worldpay from FIS (Vantiv)101
Issuer Unavailable
Technical
System or connectivity issues
Retryable
This decline may succeed on retry
Description
The card issuer's system is unavailable. The issuing bank cannot authorize the transaction at this time.
Recommended Action
Retry after a short delay. The issuer should come back online.
Common Causes
- Issuer authorization system is temporarily down
- Network connectivity issues to the issuing bank
Recovery Tips
- Retry after 15–30 minutes
- If persistent, ask the customer to try a different card
Quick Reference
Code
101
Category
Technical
Retryable
Yes
Source
Vantiv
Related Decline Codes
100Retryable
Processing Network Unavailable
There is a problem with the card network or PINless Debit network. The processing network is temporarily unavailable.
102Retryable
Re-submit Transaction
There is a temporary problem with the submission. The transaction should be re-submitted.
108Retryable
Try Again Later
The transaction could not be processed due to a transitory communication issue with an internal or external service.
110Retryable
Insufficient Funds
The card does not have enough funds to cover the transaction amount.
Automate Payment Recovery for Vantiv
Slicker automatically handles decline codes like 101 by intelligently retrying at the optimal time based on the decline reason.