V
Visa Network Response CodesVisa 93
Transaction Cannot Be Completed – Violation of Law
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
The transaction was declined because completing it would violate applicable laws or regulations.
Recommended Action
Do not retry. Review the transaction for compliance with applicable laws and regulations.
Common Causes
- Transaction violates local or international regulations
- Sanctions screening flagged the transaction
- Merchant category restricted by law in the cardholder's jurisdiction
Recovery Tips
- Review with your compliance team
- Do not reattempt this transaction
- Request an alternative payment method if appropriate
Quick Reference
Code
93
Category
Hard Decline
Retryable
No
Source
Visa
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).
Visa 93 recovery
Recover more payments like Visa 93
Slicker handles codes like 93 by combining decline reason, issuer behavior, BIN data, and timing signals to choose the next best recovery action.
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