Visa’s Decline Code Grouping

As of April 16, 2021, Visa is introducing new rules for decline code reasons. These reasons are grouped into different categories. 

Category 1 -  Issuer Will Never Approve

Codes in this category indicate that the card is invalid, never existed, or blocked.

Authorization Codes

03 - Invalid merchant
04 - Pickup card
07 - Pickup card, special conditions
12 - Invalid transaction
15 - No such issuer
41 - Pickup card lost card
43 - Pickup card stolen card
57 - Transaction not permitted to cardholder
62 - Restricted card
78 - No account
93 - Transaction cannot be completed
R0 - Stop payment order
R1 - Revocation of authorization order
R3 - Revocation of all authorization

Retry Strategy

Do not attempt to reauthorize these transactions. Cardholders can be advised to contact their bank for further information.

Requirement and Fee Implication

Between now and April 2022, an Excessive Reattempt rule will apply. No more than 15 continuous reattempts are allowed within a 30-day period. Any further attempts are defined as excessive reattempts. In April 2022, no reattempts will be allowed, and A Never Approve Reattempt fee will begin April 2022.


Category 2 -  Issuer Cannot Approve at this Time

Codes in this category can indicate several reasons that the Issuer cannot authorize the purchase at the time. However, they may authorize it at a later time. Examples might include credit risk, Issuer velocity controls of the consumer, or temporary system outages.

Authorization Codes

19 - Re-enter transaction
51 - Insufficient funds
59 - Suspected fraud
61 - Exceeds withdrawal amount limits
65 - Exceeds withdrawal frequency
75 - Allowable PIN-entry tries exceeded
86 - ATM malfunction
91 - Issuer or switch is inoperative
96 - System malfunction
N3 - Cash service no available
N4 - Cash request exceeds issuer limit

Retry Strategy

Attempts can be made to reauthorize these transactions.

Requirement and Fee Implication

As of April 16, 2021, no more than 15 continuous reattempts are allowed within a 30-day period. Any further attempts are defined as excessive reattempts. An Excessive Reattempt fee will apply in April 2021.


Category 3 -  Issuer Cannot Approve based on Details Provided

Codes in this category indicate that the Issuer cannot approve based on the details provided, such as an incorrect Card Verification Value 2 (CVV2) or expiration date.

Authorization Codes

14 - Invalid account number
54 - Expired card
55 - Incorrect PIN
82 - Negative Online CAMCardholder
N7 - Decline for CVV2 Failure-Visa

Retry Strategy

Attempts can be made to reauthorize these transactions. Before another attempt, based on the response, obtain additional or updated information from your customer.

Requirement and Fee Implication

As of April 16, 2021, no more than 15 continuous reattempts are allowed within a 30-day period. Any further attempts are defined as excessive reattempts. An Excessive Reattempt fee will apply in April 2021.


Category 4 -  Generic Response Codes

All other Response Codes, many of which are technical and limited value/meaning to merchants. Issuers will be subject to enforcement actions when not following rules to use codes in Categories 1-3 and limiting codes in Category 4.

Authorization Codes

All others

Retry Strategy

Attempts can be made to reauthorize these transactions.

Requirement and Fee Implication

As of April 16, 2021, no more than 15 continuous reattempts are allowed within a 30-day period. Any further attempts are defined as excessive reattempts. An Excessive Reattempt fee will apply in April 2021.