V
Visa Network Response CodesVisa 39
No Credit Account
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
The card does not have a credit account associated with it, or the credit function is not available for the type of transaction attempted.
Recommended Action
Retry the transaction. If persistent, ask the cardholder to verify their card type supports this transaction.
Common Causes
- Debit-only card used for a credit transaction
- Card type mismatch with transaction type
- Credit facility not enabled on the card
Recovery Tips
- Retry with the correct transaction type
- Ask the cardholder to use a different card
- Verify the card supports the requested transaction type
Quick Reference
Code
39
Category
Soft Decline
Retryable
Yes
Source
Visa
Recoverability verdict
This is a soft decline. This revenue is often recoverable.
Payments failing with code 39 are often recoverable with the right retry timing and routing. Slicker recovers up to 70% of soft declines with smart retries.
Related Decline Codes
01Retryable
Refer to Card Issuer
The issuing bank is requesting the merchant to contact them before proceeding. This is a generic referral code indicating the issuer wants more information or verification.
02Retryable
Refer to Card Issuer (Special Condition)
Similar to code 01 but indicates a special condition. The issuing bank wants the merchant to contact them for a specific reason related to the account.
03Retryable
Invalid Merchant
The merchant ID or terminal configuration is not recognized or not valid for this transaction type. This typically indicates a setup issue rather than a cardholder problem.
05Retryable
Do Not Honor
The issuing bank has declined the transaction without providing a specific reason. This is one of the most common decline codes and can be temporary or permanent depending on the issuer's internal risk assessment.