List of Rejection/Error Codes and How to Resolve?

Status code

800.100.152

Transaction declined by authorisation system

The bank wants the 3D Secure 2 authorisation process to be completed for this transaction and any transaction like this in future.

Please speak to your development team to ensure that all steps regarding processing transactions through 3D Secure 2 are completed. If you are unsure, please contact us

800.100.162

Transaction declined (limit exceeded)

No funds available. 

Please speak to the customer about using an alternative payment method or contacting their issuer to go over their available funds. 

800.100.158

Transaction declined (suspecting manipulation)

The customer's card issuer has declined the transaction as there is a suspected fraud on this credit card number.

Please advise the customer that they will need to contact their issuing bank in order to discuss the transaction and allow the customer to make the purchase.

100.380.501

Risk management transaction timeout

This error shows that the end-customer did not enter his 3DSecure password at the authentication page of the issuer. One reason for this can be that the customer simply closed the authentication page and performed no action. The second, most common reason (if there are many of these errors), is that the customer was not properly redirected to the authentication URL returned from our system in the first response.

Be sure to redirect the customer to the provided URL and also add the returned post parameters to the redirect.

800.100.155

Transaction declined (amount exceeds credit)

Being over-limit, or overlimit, refers to a cardholder account that has surpassed its credit limit with a transaction. When cardholders attempt to make purchases that will put them over their credit limit, the card issuer may decline the transactions or may charge consumers hefty over-limit fees.

Please advise the customer that they will need to contact their issuing bank in order to discuss the credit limitations they have.

800.100.165

Transaction declined (card lost)

The customer has reported the card lost with the issuing bank.

Please advise the customer that they will need to contact their issuing bank in order to discuss their card account status.

800.100.157

Transaction declined (wrong expiry date)

The customer has input the incorrect expiry date on the card.

Please advise the customer to try again and enter their bank details correctly. Failing this, they will need to contact their issuing bank in order to discuss their card account details.

100.100.101

Invalid creditcard, bank account number or bank name

Incorrect details have been input at the checkout.

Please advise the customer to try again and enter their bank card details correctly. Failing this, they will need to contact their issuing bank in order to discuss their card account details.

700.400.200

Cannot refund (refund volume exceeded or tx reversed or invalid workflow?)

A refund is attempted that is larger than the amount taken.

Please review the refund amount that you have attempted to ensure the value of the refund does not exceed the value of the transaction.

800.100.172

Transaction declined (account blocked)

Account is temporary unable to transact, please ask for an alternative payment method.

Please advise the customer to try again with an alternative payment method. Failing this, they will need to contact their issuing bank in order to discuss their card account details.

800.100.163

Transaction declined (maximum transaction frequency exceeded)

Exceeds frequency limit/Additional SCA is required

SCA Decline - contact the client by phone or SMS to pursue payment. Failing this, they will need to contact their issuing bank in order to discuss their SCA regulations.

100.100.700

Invalid cc number/brand combination

Incorrect brand of payment selected to attempt transaction.

Please advise the customer to try again with the correct payment method. Failing this, they will need to contact their issuing bank in order to discuss their card account details.

100.150.202

Registration is already deregistered.

Registered card has already been removed.

If a customer card has been removed, please perform a registration with an acceptable card to register the customer.

100.100.402

CC/bank account holder not valid

Incorrect details have been input at the checkout.

Please advise the customer to try again with the correct payment details. Failing this, they will need to contact their issuing bank in order to discuss their card account details.

800.100.161

Transaction declined (too many invalid tries)

Too many invalid attempts on the customer's card.

Please advise the customer to try again with a different payment card. Failing this, they will need to contact their issuing bank in order to discuss their card account details.

900.100.300

Timeout, uncertain result

API communication error.

An API communication error represents information not being received from an acquirer to validate the transaction request. Please attempt the transaction again. Failing this, please contact your acquirer or reach out to us.

100.390.118

Authentication failed due to suspected fraud

Do not attempt the transaction if suspected fraud is occurring.

Advise the customer that they will need to contact their issuing bank in order to discuss their card account details.

800.300.501

Transaction temporary blacklisted (too many tries invalid expire date)

Incorrect expiry date entered too many times.

Please advise the customer to try again with the correct payment details. Failing this, they will need to contact their issuing bank in order to discuss their card account details.

800.100.151

Transaction declined (invalid card)

An invalid card number means that the card is likely closed at the card issuing bank and is effectively an invalid card.

If the cardholder says that the card is not closed, then the cardholder should contact the card issuing bank to resolve the issue.

800.100.153

Transaction declined (invalid CVV)

The customer entered the incorrect CVV associated to their debit or credit card.

Please advise the customer that they will need re-enter their card CVV correctly. If they are unable to, advise the customer to contact their issuing bank in order to discuss their card details.

800.100.168

Transaction declined (restricted card)

This means that the card that the customer processed is restricted to where it can be used. The restricted card is only allowed to be used for certain types of businesses or purchases.

The customer should use an alternate credit card or debit card, or contact their bank.

800.100.202

Account closed

A closed account is any account that has been deactivated or otherwise terminated, either by the customer, custodian or counter-party.

The customer should use an alternate credit card or debit card, or contact their bank.

100.380.401

User authentication failed

This means that the cardholder hasn't entered their details correctly. A 3D secure authentication error could be due to everything from a mistyped card number to an incorrect expiration date.

If the error continues, the cardholder will need to contact their credit card issuer for assistance.

800.100.190

Transaction declined (invalid configuration data)

The configuration of the merchant account or associated merchant channels has not been set up successfully in order to process payments.

Please speak to your development team to ensure that all steps regarding processing transactions correctly through Qashpay are completed. If you are unsure, please contact us.

800.100.171

Transaction declined (pick up card)

The error message “Pick up card” means that the customer’s bank has declined the transaction as the issuer wants to retrieve the card. If you can do it safely, you are advised to keep the card.

Ask the customer for a separate card to complete the transaction and/or ask the customer to call their credit card bank and figure out why the transaction was declined.

100.100.303

Card expired

The expiration date entered for the transaction is in the past.

Double-check the customer entered the expiry correctly, ask the customer to confirm the expiration date with their issuing bank or request an alternate payment method.

300.100.100

Transaction declined (additional customer authentication required)

The bank wants the 3D Secure 2 authorisation process to be completed for this transaction and any transaction like this in future.

Please speak to your development team to ensure that all steps regarding processing transactions through 3D Secure 2 are completed. If you are unsure, please contact us.

800.100.170

Transaction declined (transaction not permitted)

The message 'Transaction Not Allowed' indicates a rejection on the side of the credit card provider for unspecified reasons. It doesn't necessarily mean that there is an issue with the card, but it does indicate that the bank will not approve this transaction. You will need to contact your bank for more information.

The customer should use an alternate credit card or debit card, or contact their bank to obtain further information regarding their credit card.

800.100.100

Transaction declined for unknown reason

This occurs when there is an error with the processing of a transaction and there is no specific description associated to the error.

Please try again and contact us if the problem persists. Alternatively, you can change the payment method. 

800.100.160

Transaction declined (card blocked)

The transaction has caused a red flag with the customer’s card issuer and the issuer has blocked the card from being used. For instance, if the customer is trying to set up a series of payments to a subscription service provider, the card issuer might block the transaction. This is to protect the consumer from repeat, unauthorised payments.

The customer should use an alternate credit card or debit card, or contact their bank to unblock the card.

100.396.101

Cancelled by user

The customer has cancelled the transaction during the processing of the payment.

Query with customer if they had intended to cancel the payment or if they are facing issues with attempting to pay for the transaction.

100.390.112

Technical Error in 3D system

This occurs when there is an error with the 3DSecure process at the bank. It could be that their 3DSecure system was down at the time.

Please try again and contact us if the problem persists. Alternatively, you can change the payment method. 

100.396.103

Previously pending transaction timed out

The registration transaction was not authenticated and timed out. The debit references the registration token and hence this may also fail.

Please try again and contact us if the problem persists. Alternatively, you can change the payment method.