V
Worldpay from FIS (Vantiv)Vantiv 120
Call Issuer
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
There is an unspecified problem with the card. The cardholder should contact the issuing bank.
Recommended Action
Ask the customer to contact their card issuer for more information. Retry after a delay.
Common Causes
- Issuer wants to verify the cardholder's identity
- Unusual transaction pattern flagged for review
- Temporary restriction on the card
Recovery Tips
- Send a dunning email asking the customer to contact their bank
- Retry after 24 hours
Quick Reference
Code
120
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.
Vantiv 120 recovery
Recover more payments like Vantiv 120
Slicker handles codes like 120 by combining decline reason, issuer behavior, BIN data, and timing signals to choose the next best recovery action.
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