V
Visa Network Response CodesVisa 64
Transaction Does Not Fulfill AML Requirement
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
The transaction was declined because it does not meet anti-money laundering (AML) compliance requirements.
Recommended Action
Do not retry. This transaction has been flagged for AML compliance. Review with your compliance team.
Common Causes
- Transaction flagged by AML screening
- Cardholder or merchant on AML watchlist
- Transaction pattern matches AML risk indicators
Recovery Tips
- Review with your compliance team
- Do not reattempt without resolving the AML concern
- Request an alternative payment method if appropriate
Quick Reference
Code
64
Category
Hard Decline
Retryable
No
Source
Visa
Recoverability verdict
Retrying 64 will not work
This is a hard decline. Retrying code 64 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).