V
Visa Network Response CodesVisa 63
Security Violation
Fraud/Security
Suspected fraudulent activity or security blocks
Do Not Retry
Retry will not succeed
Description
A security violation was detected — the source of the transaction is not the correct issuer. This may indicate a routing or authentication problem.
Recommended Action
Investigate the transaction routing. Contact your payment processor to resolve security configuration issues.
Common Causes
- Transaction routed through incorrect issuer
- Authentication or security protocol failure
- Network routing error
Recovery Tips
- Contact your payment processor to investigate
- Verify transaction routing configuration
- Do not retry until the issue is resolved
Quick Reference
Code
63
Category
Fraud/Security
Retryable
No
Source
Visa
Recoverability verdict
Retrying 63 will not work
This is a hard decline. Retrying code 63 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).