V
Visa Network Response Codes12
Invalid Transaction
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
The transaction type is not valid or not supported for this card. The issuer will never approve this specific transaction. No reattempts are permitted.
Recommended Action
Do not retry. Review the transaction type and ensure it is supported for the card and merchant configuration.
Common Causes
- Transaction type not supported for the card
- Card restrictions prevent this type of purchase
- Merchant category not permitted for this card
Recovery Tips
- Do not reattempt this transaction
- Verify the transaction type is correct
- Request an alternative payment method
Quick Reference
Code
12
Category
Hard Decline
Retryable
No
Source
Visa
Related Decline Codes
04Non-Retryable
Pick Up Card
The issuing bank requests that the card be captured. The card is not necessarily fraudulent but the issuer does not want it used. No reattempts are permitted.
07Non-Retryable
Pick Up Card (Fraud)
The issuing bank requests that the card be captured due to suspected fraud on the account. No reattempts are permitted.
14Non-Retryable
Invalid Account Number
The card number does not correspond to any existing account. The card may have been mistyped, or the account may no longer exist. Visa categories this as both 1 (never approve) and 3 (revalidate data).
15Non-Retryable
No Such Issuer
The card number does not route to any known issuing bank. The BIN (first 6-8 digits) is not recognized by the network. No reattempts are permitted.
Automate Payment Recovery for Visa
Slicker automatically handles decline codes like 12 by intelligently retrying at the optimal time based on the decline reason.