V
Worldpay from FIS (Vantiv)Vantiv 550
Fraud Filter Score Below Threshold
Fraud/Security
Suspected fraudulent activity or security blocks
Do Not Retry
Retry will not succeed
Description
The transaction was declined because the FraudSight Fraud Filter Score was below the acceptable threshold set in the merchant's policy.
Recommended Action
Review the transaction. Adjust your FraudSight threshold if this is a false positive.
Common Causes
- Transaction scored below the merchant's fraud score threshold
- Multiple fraud risk indicators combined
Recovery Tips
- Review and tune your FraudSight fraud score thresholds
- Contact the customer to verify the transaction is legitimate
Quick Reference
Code
550
Category
Fraud/Security
Retryable
No
Source
Vantiv
Recoverability verdict
Retrying 550 will not work
This is a hard decline. Retrying code 550 will not recover the payment. But most merchants seeing this code also have soft declines they are not recovering. Check what your retry strategy is leaving behind.
Related Decline Codes
229Non-Retryable
Illegal Transaction
The transaction would violate applicable law or regulation.
340Non-Retryable
Invalid Amount
The transaction amount is invalid — it may be too high, too low, or above the merchant's transaction limit.
555Non-Retryable
Suspected Fraud
The issuing bank declined the transaction as suspected fraud.
226Non-Retryable
Incorrect CVV
The transaction was declined because it was submitted with an incorrect security code (CVV2/CID).