This link will include a pdf with the details to guide you through understanding Decline Error Messages when processing a payment for a customer.
| Error Response Code | Short Description | Response Text in ClubReady | Remove Payment Preferences? (Draft Transactions ONLY) |
| 0 | Authorized | 0 - Authorized | NO |
| 2 | Referred | 2 - The Cardholder's issuing bank has issued a decline for this transaction. Please have cardholder contact their card company to resolve the matter and reference error code 2 | YES |
| 3 | Invalid acceptor | 3 - Please contact FMDynamics at 877-363-8472, or for the fastest response, email support@FMDynamics.net with your company name, cardholder’s name, and the amount of the transaction for support and reference code 3. | NO |
| 4 | Hold Card | 4 - The Cardholder's issuing bank has issued a decline for this transaction. Please have cardholder contact their card company to resolve the matter and reference error code 4. | YES |
| 5 | Refused | 5 - The Cardholder's issuing bank has issued a decline for this transaction. Please have cardholder contact their card company to resolve the matter and reference error code 5 | YES |
| 6 | Declined | 6 - "Declined (then use response text from gateway)", [and also send auto email to Adriano, Vamshi and Jeff. Special case for this one…] | YES |
| 8 | Approve after identification | 8 - The Cardholder's issuing bank has issued a decline for this transaction. Please have cardholder contact their card company to resolve the matter and reference error code 8. | YES |
| 12 | Invalid transaction | 12 - Please contact FMDynamics at 877-363-8472, or for the fastest response, email support@FMDynamics.net with your company name, cardholder’s name, and the amount of the transaction for support and reference code 12. | YES |
| 13 | Invalid amount | 13-Please verify the amount of the transaction and make sure there are no special characters such as commas, etc. | NO |
| 14 | Invalid account | 14 - Please contact FMDynamics at 877-363-8472, or for the fastest response, email support@FMDynamics.net with your company name, cardholder’s name, and the amount of the transaction for support and reference code 14. | YES |
| 15 | Invalid card issuer | 15 - The Cardholder's issuing bank has issued a decline for this transaction. Please have cardholder contact their card company to resolve the matter and reference error code 15 | YES |
| 17 | Annulation by client | 17 - The Cardholder's issuing bank has issued a decline for this transaction. Please have cardholder contact their card company to resolve the matter and reference error code 17 | YES |
| 19 | Repeat of last transaction | 19 - This transaction is a duplicate. It has been previously run on the same day for the same amount in the cardholder’s name. The bank is blocking the transaction. Please call FMDynamics at 877- 363-8472, or for the fastest response, email support@FMDynamics.net with your company name, cardholder’s name, and the amount of the transaction for support and reference code 19. | NO |
| 20 | Acquirer error | 20 - There has been an error in processing this transaction. Sales person should contact FMDynamics at 877-363-8472, or for the fastest response, email support@FMDynamics.net with your company name, cardholder’s name, and the amount of the transaction for support and reference code 20 | NO |
| 21 | Reversal not processed. Missing Authorization | 21 - Please contact FMDynamics at 877-363-8472, or for the fastest response, email support@FMDynamics.net with your company name, cardholder’s name, and the amount of the transaction for support and reference code 21 | NO |
| 24 | Update of file impossible | 24 - The Cardholder's issuing bank has issued a decline for this transaction. Please have cardholder contact their card company to resolve the matter and reference error code 24. | NO |
| 25 | Reference number cannot be found | 25 - The Cardholder's issuing bank has issued a decline for this transaction. Please have cardholder contact their card company to resolve the matter and reference error code 25 | YES |
| 26 | Duplicate reference number | 26 - The Cardholder's issuing bank has issued a decline for this transaction. Please have cardholder contact their card company to resolve the matter and reference error code 26 | YES |
| 27 | Error in reference number field | 27 - Please contact FMDynamics at 877-363-8472, or for the fastest response, email support@FMDynamics.net with your company name, cardholder’s name, and the amount of the transaction for support and reference code 27. | YES |
| 28 | Access denied | 28 - The Cardholder's issuing bank has issued a decline for this transaction. Please have cardholder contact their card company to resolve the matter and reference error code 28 | YES |
| 29 | Impossible reference number | 29 - The Cardholder's issuing bank has issued a decline for this transaction. Please have cardholder contact their card company to resolve the matter and reference error code 29 | YES |
| 30 | Format error | 30 - Please contact FMDynamics at 877-363-8472, or for the fastest response, email support@FMDynamics.net with your company name, cardholder’s name, and the amount of the transaction for support and reference code 30 and make sure there are no commas, etc | YES |
| 31 | Unknown acquirer account code | 31 - There has been an error in processing this transaction. Sales person should contact FMDynamics at 877-363-8472, or for the fastest response, email support@FMDynamics.net with your company name, cardholder’s name, and the amount of the transaction for support and reference code 31 | NO |
| 33 | Card Expired | 33 - Expired card. Please check the expiration date and update it accordingly in payment preferences | YES |
| 34 | Fraud suspicion | 34 - The Cardholder's issuing bank has issued a decline for this transaction. Please have cardholder contact their card company to resolve the matter and reference error code 34 | YES |
| 38 | Security code expired | 38 - The Cardholder's issuing bank has issued a decline for this transaction. Please have cardholder contact their card company to resolve the matter and reference error code 38 | YES |
| 40 | Requested function not supported | 40 - Please contact FMDynamics at 877-363-8472, or for the fastest response, email support@FMDynamics.net with your company name, cardholder’s name, and the amount of the transaction for support and reference code 40 | NO |
| 41 | Lost card | 41 - The Cardholder's issuing bank has issued a decline for this transaction. Please have cardholder contact their card company to resolve the matter and reference error code 41 | YES |
| 43 | Stolen card, pick up | 43 - Have cardhold contact their bank. There has been an error in processing this transaction. Sales person should also contact FMDynamics at 877-363-8472, or for the fastest response, email support@FMDynamics.net with your company name, cardholder’s name, and the amount of the transaction for support and reference code 43 | YES |
| 51 | Limit exceeded | 51 - The Cardholder's issuing bank has issued a "limit exceeded" decline for this transaction. Please have cardholder contact their card company to resolve the matter and reference error code 51 | YES |
| 55 | Invalid security code | 55 - Please verify security code on back of card | YES |
| 56 | Unknown card | 56 - Sales person should contact FMDynamics at 877-363-8472, or for the fastest response, email support@FMDynamics.net with your company name, cardholder’s name, and the amount of the transaction for support and reference code 56 | YES |
| 57 | Illegal transaction | 57 - The Cardholder's issuing bank has issued a decline for this transaction. Please have cardholder contact their card company to resolve the matter and reference error code 57. | YES |
| 58 | Transaction not permitted | 58 - Please contact FMDynamics at 877-363-8472, or for the fastest response, email support@FMDynamics.net with your company name, cardholder’s name, and the amount of the transaction for support and reference code 58. | YES |
| 62 | Restricted card | 62 - The Cardholder's issuing bank has issued a decline for this transaction. Please have cardholder contact their card company to resolve the matter and reference error code 62 | YES |
| 63 | Security rules violated | 63 - The Cardholder's issuing bank has issued a decline for this transaction. Please have cardholder contact their card company to resolve the matter and reference error code 63 | YES |
| 64 | Amount higher than previous transaction amount | 64 - There has been an error in processing this transaction. Sales person should contact FMDynamics at 877-363-8472, or for the fastest response, email support@FMDynamics.net with your company name, cardholder’s name, and the amount of the transaction for support and reference code 64. | NO |
| 68 | Transaction timed out | 68 - Please wait 2 minutes then retry card. If card still does not work, the bank has issued a decline. Please have cardholder contact their bank and reference error code 68. | NO |
| 75 | Security code invalid | 75 - The Cardholder's issuing bank has issued a decline for this transaction. Please have cardholder contact their card company to resolve the matter and reference error code 75. | YES |
| 76 | Card blocked | 76 - The Cardholder's issuing bank has issued a decline for this transaction. Please have cardholder contact their card company to resolve the matter and reference error code 76 | YES |
| 80 | Amount no longer available. Authorization expired | 80 - Authorization for this transaction has exceeded normal timeframe and needs to be rerun entirely. | NO |
| 85 | Rejected by card issuer | 85 - The Cardholder's issuing bank has issued a decline for this transaction. Please have cardholder contact their card company to resolve the matter and reference error code 85. | YES |
| 91 | CC issuer temporarily not reachable | 91 - Please wait 2 minutes then retry card. If card still does not work, the bank has issued a decline. Please have cardholder contact their bank and reference error code 91 | NO |
| 92 | CC type not processed by acquirer | 92 - There has been an error in processing this transaction. Sales person should contact FMDynamics at 877-363-8472, or for the fastest response, email support@FMDynamics.net with your company name, cardholder’s name, and the amount of the transaction for support and reference code 92. | YES |
| 94 | Duplicate request error | 94 - There has been an error in processing this transaction. Sales person should contact FMDynamics at 877-363-8472, or for the fastest response, email support@FMDynamics.net with your company name, cardholder’s name, and the amount of the transaction for support and reference code 94. | NO |
| 97 | Security breach | 97 - Please contact FMDynamics at 877-363-8472, or for the fastest response, email support@FMDynamics.net with your company name, cardholder’s name, and the amount of the transaction for support and reference code 97 | YES |