From October 17, 2025, Visa will be expanding the response codes it returns for online refund declines.
Visa is introducing the existing 20078 (Blocked at first use - transaction from new or replacement card that is not properly unblocked) response code for online refund declines. This indicates that the card is not activated or temporarily blocked.
Recommended action
If you receive this response code, we recommend contacting the customer, letting them know the reason for the decline, and asking them to activate their card before re-attempting the refund.
Read more about response codes