V
Worldpay from FIS (Vantiv)Vantiv 148
Invalid or Expired Card
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
The card is invalid or has expired. The cardholder should be contacted to update their information.
Recommended Action
Ask the customer to update their card details.
Common Causes
- Card has expired and a replacement was issued
- Card data on file is no longer valid
Recovery Tips
- Use Account Updater to automatically fetch new card credentials
- Send a dunning email asking the customer to update their payment method
Quick Reference
Code
148
Category
Soft Decline
Retryable
Yes
Source
Vantiv
Recoverability verdict
This is a soft decline. This revenue is often recoverable.
Payments failing with code 148 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.
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.