V
Visa Network Response CodesVisa 14
Invalid Account Number
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
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).
Recommended Action
Ask the cardholder to verify their card number. Do not retry with the same card data.
Common Causes
- Card number entered incorrectly
- Account has been closed or migrated
- Card number does not match any issuer records
Recovery Tips
- Ask the cardholder to re-enter their card details
- Check for typographical errors in the card number
- Request an alternative payment method if correction fails
Quick Reference
Code
14
Category
Hard Decline
Retryable
No
Source
Visa
Recoverability verdict
Retrying 14 will not work
This is a hard decline. Retrying code 14 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
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.
12Non-Retryable
Invalid Transaction
The transaction type is not valid or not supported for this card. The issuer will never approve this specific transaction. No reattempts are permitted.
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.