Skip to content

Visa response code categories

Last updated: 13th January 2022

Visa has categorised response codes into categories that inform the merchant if and when a transaction should be retried.

Category 1: Issuer cannot approve based on details provided

This subset of codes indicates the issuer cannot approve based on the details provided.

Recommended action: provide updated or additional information.

Response codeDescription

20054

Expired card

20055

Incorrect PIN

20082

No security model

20154

3DS authentication required

2006P

Cardholder ID verification failed

20063

Security violation

Category 2: Issuer cannot approve at this time

This subset of decline codes indicates the issuer may approve, but cannot do so at that time.

Recommended action: try again later.

Response codeDescription

20003

Invalid merchant

20019

Re-enter transaction

20051

Insufficient funds

20059

Suspected fraud

20061

Exceeds withdrawal amount limits

20062

Restricted card

20065

Exceeds withdrawal frequency limit

20075

Allowable PIN tries exceeded

20078

Blocked card, first time card usage

20091

Issuer or switch is inoperative

20093

Transaction cannot be completed

20096

System malfunction

Category 3: Issuer will never approve

This subset of decline codes indicates there is no circumstance in which the issuer will approve.

Recommended action: do not try again.

Response codeDescription

30004

Pick up card (no fraud)

30007

Pickup card, special conditions

20012

Invalid transaction

20014

Invalid card number

30015

No such issuer

30041

Lost card - pick up

30043

Stolen card - pick up

30046

Closed Account

20057

Transaction not permitted to cardholder

200R1

Issuer initiated a stop payment (revocation order) for the Authorization

200R3

Issuer initiated a stop payment (revocation order) for all Authorizations

Category 4: Generic response codes

All other Visa decline codes not listed, many of which are not descriptive, fall in this category and re-attempt is allowed.

Recommended action: try again later.