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Last updated: April 29, 2022
Visa has categorised response codes into categories that inform the merchant if and when a transaction should be retried.
This subset of decline codes indicates there is no circumstance in which the issuer will approve.
Recommended action: do not try again. This corresponds to recommendation code 03.
Pick up card (no fraud)
Pickup card, special conditions
Invalid card number
No such issuer
Lost card - pick up
Stolen card - pick up
Transaction not permitted to cardholder
Issuer initiated a stop payment (revocation order) for the Authorization
Issuer initiated a stop payment (revocation order) for all Authorizations
This subset of decline codes indicates the issuer may approve, but cannot do so at that time.
Recommended action: try again later. This corresponds to recommendation code 02.
Exceeds withdrawal amount limits
Exceeds withdrawal frequency limit
Allowable PIN tries exceeded
Blocked card, first time card usage
Issuer or switch is inoperative
Transaction cannot be completed
This subset of codes indicates the issuer cannot approve based on the details provided.
Recommended action: provide updated or additional information. This corresponds to recommendation code 01.
No security model
3DS authentication required
Cardholder ID verification failed
All other Visa decline codes not listed, many of which are not descriptive, fall in this category and re-attempt is allowed.