V
Visa Network Response CodesVisa 70
PIN Data Required
Technical
System or connectivity issues
Retryable
This decline may succeed on retry
Description
The transaction requires PIN entry but no PIN was provided. This is typically relevant for card-present and debit transactions.
Recommended Action
Resubmit the transaction with PIN data, or process as a signature-based transaction if applicable.
Common Causes
- PIN entry required but not provided
- Debit card requires PIN for this transaction type
- Terminal not configured for PIN entry
Recovery Tips
- Ensure the terminal supports PIN entry
- For CNP transactions, verify the routing and transaction type
- Try processing as a different transaction type
Quick Reference
Code
70
Category
Technical
Retryable
Yes
Source
Visa
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.
Visa 70 recovery
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Slicker handles codes like 70 by combining decline reason, issuer behavior, BIN data, and timing signals to choose the next best recovery action.
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