V
Worldpay from FIS (Vantiv)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
Recoverability verdict
101 is often recoverable
Payments failing with code 101 are often recoverable with the right retry timing and routing. Slicker recovers up to 70% of soft declines with smart retries.
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.