V
Visa Network Response CodesVisa 15
No Such Issuer
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
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.
Recommended Action
Ask the cardholder to verify their card number. The card number is likely incorrect.
Common Causes
- Card number entered incorrectly
- Card BIN not recognized in the network
- Test card numbers used in production
Recovery Tips
- Verify the card number is correct
- Request an alternative payment method
- Ensure you are not using test credentials in production
Quick Reference
Code
15
Category
Hard Decline
Retryable
No
Source
Visa
Recoverability verdict
Retrying 15 will not work
This is a hard decline. Retrying code 15 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.
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).