V
Worldpay from FIS (Vantiv)349
Do Not Honor
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
The issuing bank has put a temporary hold on the card and declined the transaction without a specific reason.
Recommended Action
Retry with exponential backoff. If repeated failures, ask the customer to contact their bank.
Common Causes
- Temporary hold placed by the issuer
- Generic issuer decline
- Bank-side risk rules triggered
Recovery Tips
- Retry after a few hours
- Send a dunning email if retries fail
- Suggest the customer contact their bank
Quick Reference
Code
349
Category
Soft Decline
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.
101Retryable
Issuer Unavailable
The card issuer's system is unavailable. The issuing bank cannot authorize the transaction at this time.
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.
Automate Payment Recovery for Vantiv
Slicker automatically handles decline codes like 349 by intelligently retrying at the optimal time based on the decline reason.