Go to Transactions and then select the filter icon.
Use the filters to identify and locate a declined transaction. Select the Payment Gateway Response Code filter and type in 125. You may need to adjust the transaction date range to see transactions from farther in the past. Click on a transaction to view further details and read a full description of the payment gateway response code.
Payments decline with response code 125/Unavailable Account when the card used for payment previously received a decline for one of the Authorization Response* codes listed in the table below.
*Authorization Response codes come from the card issuer; Qualpay relays them but does not generate them.
These decline codes indicate that the card issuer will not approve future transactions:
| Code | Response Text | Description |
|---|---|---|
| 0R0 | Stop payment order | The cardholder canceled this specific recurring payment |
| 0R1 | Revocation of authorization | The cardholder canceled all recurring payments for this merchant |
| 0R3 | Revocation of authorization | Canceled all recurring payments |
| 014 | Bad card number | BIN was valid, but no account exists (no such number) |
| 015 | No such issuer | The BIN was invalid |
| 046 | Closed account | Closed account |
| M003 | Do not try again for recurring payment transaction | Mastercard only |
| M021 | Recurring payment cancellation | Mastercard only |
What does the additional information in the response description mean?
Each 125/Unavailable Account decline provides information about the original declined transaction.
Unavailable account (masked card number) tied to card_id; see <previous decline code> on <date of previous decline>
The masked card number, in 123456xxxxxx1234 format, is the card that previously received a decline. The masked card number may help you identify which customer needs to update their payment method. The previous decline code will be one of the codes in the table above. The date of previous decline is when the card was first declined.
How to Resolve Payment Gateway Response code 125
- Bad card number/issuer or closed account: These response codes indicate that the card issuer will not approve future payments using that card. Contact your customer and collect a new payment method for future payments.
- Recurring payment cancellation: These response codes indicate that the card issuer will not accept recurring payments in the future. Ensure that your customer is aware of and agrees to the payment terms. You may need to collect a new payment method in this case. If no new payment method is available, the customer agrees to the payment terms, and the customer requests that their issuer allow future recurring payments, contact Support to unblock the payment method.
How to Identify the Original Declined Transaction
Record the response description from the 125 decline. Go to Transactions and adjust the Transaction Date filter to the date of the previous decline.
Then select the filter icon and add the following additional filters:
- Account Number "contains" masked card number
- Authorization Code "contains" the 3- to 4-character decline code