V
Worldpay from FIS (Vantiv)Vantiv 126
Call Issuer - Update Cardholder Data
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
Some cardholder data is out of date. The cardholder should contact the issuer to update their information.
Recommended Action
Ask the customer to contact their issuer and update their account information.
Common Causes
- Cardholder address or other details have changed
- Card information on file is outdated
Recovery Tips
- Use Account Updater to fetch updated card credentials
- Send a dunning email requesting updated payment details
Quick Reference
Code
126
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 126 recovery
Recover more payments like Vantiv 126
Slicker handles codes like 126 by combining decline reason, issuer behavior, BIN data, and timing signals to choose the next best recovery action.
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