Billing Provider Decline Codes

Select your billing provider below to investigate your decline code. Don’t see your billing provider in the list? We may not have added them to this documentation yet, please get in touch with them directly.

Paysafe Credit Card Decline Codes

Enter your decline code below for a description of why the payment was declined and how you may resolve this. Don’t see your code in the list? Reach out to paysafe directly for a resolution.

Decline 1007

An internal error occurred. Please retry the transaction.

Reason: No response was received after the transaction was sent to the processor. Most likely due to the processors gateway being temporarily unavailable.
Resolution: Connectivity problems causing this error are usually short lived. Please retry the transaction. If you continue to have this issue, please contact Paysafe.
Decline 3004

Zip/postal code must be provided for AVS Check request.

Reason: This code will occur if additional AVS authentication has been applied by Paysafe.
Resolution: To remove this setting, please email customersupport@paysafe.com.
Decline 3005

You submitted an incorrect value for the cvd parameter with your request. Please verify this parameter and retry the transaction.

Reason: An invalid value was included for the cvd parameter for your transaction request. A valid value can be only 3 or 4 digits, if this parameter was provided empty or with alphabetical characters this error will occur.
Resolution: Ensure the correct value was provided with the transaction and try again.
Decline 3006

You submitted an expired credit card number with your request. Please verify this parameter and retry the request.

Reason: The transaction was attempted with an expired credit card.
Resolution: Ensure the card was entered correctly and that your customer’s card is current. If their card is expired, request they use another card to complete the transaction.
Decline 3007

Your request has failed the AVS check. Note that the amount has still been reserved on the customer’s card and will be released in 3-5 business days. Please ensure the billing address is accurate before retrying the transaction.

Reason: AVS has failed on a transaction, but it would otherwise have been successful. When this error occurs the transaction value will now be considered reserved and will be unavailable for further transaction. The bank will reserve this amount for a period of time, generally 3-5 days.

When receiving this error it’s crucial to confirm the address information entered for the transaction is the same as the cardholders mailing address before trying again to avoid reserving additional funds.
Resolution: Ensure the entered address information matches that of the cardholders records with their issuing bank and retry the transaction.
Decline 3008

You submitted a card type for which the merchant account is not configured.

Reason: The transaction request was sent from a credit card type that your Paysafe account isn’t configured for.
Resolution: Resolving this issue requires validation of the transaction request to ensure an acceptable card type is included. Adding new card types requires you to contact Paysafe and they will enable them for you.
Decline 3012

Your request has been declined by the issuing bank because the credit card expiry date submitted is invalid.

Reason: An invalid credit card expiry date has been used for the transaction. The date was received by the bank and formatted correctly, but they deemed the date incorrect for the provided card number.
Resolution: Ensure the card and its expiry date are valid before retrying the transaction.
Decline 3013

Your request has been declined by the issuing bank due to problems with the credit card account.

Reason: The transaction was attempted using a card that has no account linked.
Resolution: Ask the customer to contact their bank and determine the issue with their card before trying again.
Decline 3014

Your request has been declined – the issuing bank has returned an unknown response. Contact the card holder’s credit card company for further investigation.

Reason: The bank has declined the transaction without providing an explanation.
Resolution: Ask the customer to contact their bank to resolve this issue.
Decline 3015

The bank has requested that you process the transaction manually by calling the cardholder’s credit card company.

Reason: The bank requires that this transaction is processed manually by calling the customer’s credit card company.
Resolution: Contact the customer’s credit card provider to process the transaction.
Decline 3016

The bank has requested that you retrieve the card from the cardholder – it may be a lost or stolen card.

Reason: The card used for this transaction has been marked by the bank as lost or stolen, the bank has requested you retrieve this from the cardholder.
Resolution: Ask the cardholder for a different payment method or, if they believe there has been a mistake, to contact their card provider.
Decline 3017

You submitted an invalid credit card number with your request. Please verify this parameter and retry the transaction.

Reason: The card has been determined to be invalid by the customer’s bank. The card parameter was included and correctly formatted.
Resolution: Check the card number was entered correctly before retrying the transaction.
Decline 3019

Your request has failed the CVD check. Please note that the amount has still been reserved on the customer’s card and will be released in 3–5 business days. Please ensure the CVD value is accurate before retrying the transaction.

Reason: The entered CVD value has failed during the CVD check. The CVD value is a 3 or 4 digit security code which follows the credit card number.
Resolution: Ensure the value entered for the CVD parameter was correct before retrying the request. If this reoccurs please contact Paysafe.
Decline 3022

The card has been declined due to insufficient funds.

Reason: Authorization was refused by the issuing bank on this transaction as the credit card had insufficient funds available.
Resolution: The customer needs to choose a payment method with the appropriate amount of available funds to complete the transaction.
Decline 3023

Your request has been declined by the issuing bank due to its proprietary card activity regulations.

Reason: Due to the issuing banks risk management systems the transaction has been declined.
Resolution: There is no resolution for this error, ask the customer for an alternative payment method or to contact their bank.
Decline 3024

Your request has been declined because the issuing bank does not permit the transaction for this card.

Reason: The issuing bank has deemed the card unable to make a purchase on this specific merchant account. Potentially due to the transaction being carried out online or the industry which the merchant account is a part of.
Resolution: There is no resolution for this error, ask the customer for an alternative payment method or to contact their bank.
Decline 3040

Your request has been declined because the request type is not permitted on the card.

Reason: The bank has stated the card cannot make a purchase under this specific card type. Potentially due to the card being a debit card.
Resolution: Ask the customer for an alternative payment method or you can contact Paysafe for more information.
Decline 3203

The authorization is either fully settled or cancelled.

Reason: The authorization this settlement was attempted against has already been settled or otherwise been cancelled.
Resolution: Please confirm the authorization being settled against is correct before retrying the transaction. If it was correct, no further action is possible since there’s either no money left or it was cancelled.
Decline 3402

The requested credit amount exceeds the remaining settlement amount.

Reason: You attempted a transaction exceeding the amount of funds available to credit.
Resolution: Retry the transaction, with an amount within the available credit limits.
Decline 4001

The card number or email address associated with this transaction is in our negative database.

Reason: This card bas been blacklisted by Paysafe due to there being too many previous chargebacks on this card against Paysafe processors.
Resolution: Please contact paysafe with the following information: cardholder name, amount, date & time of transaction.

Paysafe will investigate why they are listed in the negative database and your business may need to confirm it is happy to proceed with the transaction and accept liability of further chargebacks.
Decline 4002

The transaction was declined by our Risk Management department

Reason: Paysafe has raised issue with something about this transaction.
Resolution: Contact technicalsupport@paysafe.com for more information.
Decline 5017

The merchant account submitted with your request is not enabled. Do not retry the transaction. Contact Paysafe Payments for more information.

Reason: The account attempting this transaction has either been disabled or wasn’t enabled.
Resolution: Get in touch with Paysafe for information on why your account isn’t enabled.
Decline 5023

The request is unparsable.

Reason: The address in the billing information section either has too much information or the information isn’t recognisable by the database. It may contain special characters which are not allowed.
Resolution: Try again with a shorter version of the address and remove special characters.
Decline 5040

Your merchant account is not configured for the transaction you attempted. Please contact Technical Support for more information.

Reason: When setting up your merchant account it wasn’t configured for the attempted transaction type.
Resolution: Please ensure the account is set up for this transaction type, if it’s not you may contact your account manager to have the transaction type enabled.
C4

Cancelled: Customer Deceased

Description: This customer has been reported as deceased to their bank, please reach out to your customer for more details.
CB

Direct Debit Authority Cancelled by Bank

Description: Your ability to process direct debit transactions for this client has been shut off by the issuing bank. Please reach out to your client for more details.
CC

Direct Debit Authority Cancelled by Customer

Description: Your ability to process direct debit transactions for this client has been shut off by your client. Please reach out to your client for more details.
CP

Cancelled: Pick up Card

Description: The issuing bank is requesting you keep this card as there is a problem. Please call the 800 number on the back of the card to determine the issue.
H2 Hold

Direct Debit Authority Cancelled by Customer

Description: Your ability to process direct debit transactions for this client has been shut off by your client. Please reach out to your client for more details.
H3 Hold

Bank Account Closed

Description: The bank account has been closed. Please reach out to your client for updated billing information.
H5 Hold

Incorrect BSB or Account Number

Description: You have entered the BSB or Account number incorrectly. Please reach out to your client to ensure you have the correct billing information on file.\
HE – Hold

Expired Credit Card or Incorrect Expiry Date

Description: The credit card has expired or the wrong expiration date has been entered. Please reach out to your client to ensure you have the correct billing information.
HI – Hold

Invalid Credit Card Number

Description: The credit card number you have entered is invalid. Please reach out to your client to ensure you have the correct billing information.
HL – Hold

Lost Credit Card

Description: The card has been reported lost or stolen. Please hold onto the card and call the 800 number on the back of the card to determine the issue.
HQ – Hold

Cancelled Credit Card

Description: The credit card has been cancelled with the card issuing bank. Please reach out to your client for updated billing information.
HU – Hold

Unsupported Card

Description: Your merchant account is not setup to accept this card type. Please contact Ezidebit to ensure you are setup to accept this card type and then contact Mindbody to ensure it is integrated with your software.
Server was unable to process request – Unable to process update.

Add payment denied. This customer is on hold due to invalid credit card details and these card details have not been changed.

Description: A hold has been placed on this account. Please reach out to Ezidebit to clear the hold.
Decline – 5

You must provide a value for the ‘lastname’ parameter

Description: This is a little different from a decline, this is an error code due to incorrect formatting. If the customer’s name in their billing information has any extra spaces before or after their name it will give you this decline code. In order to fix it just delete their name in the billing info on their Client Info and re-enter it without any extra spaces and save. Reprocess the transaction like normal.
108

Invalid mobile phone number entered

Description: When the phone number is written under the Client Info all together as 1234567890, the merchant will see this decline code. Modify the phone number format to 4 digits, space, 3 digits space and 3 digits, which is standard Australian phone number format: 1234 567 890, and save it under the Client Info. If the phone number is missing a digit, you can also delete the phone number and save it under the Client Info and it will also work for the decline transaction.
123

No response from Gateway

Description: We are not receiving a response from Ezidebit’s gateway. Please attempt the transaction again. If the problem persists, please contact Ezi Debit for more information.
141

The First Name contains non standard characters which is not permitted.

Description: Ensure there are no spaces at the end of the Client Info name or other billing information and attempt the transactions again. If the problem persists, please contact Ezi Debit for more information.
304

Add payment denied – only active customers can have payments added to their schedule.

Description: The merchant profile at Ezidebit cannot accept new payment schedules. Please contact Ezi Debit for more information and to rectify.
Invalid Digital Key
Description: Your account is an existing Ezidebit account (prior to Mindbody) that you are trying to switch over to use with MBO. If you are fully ready for the switch, contact Ezidebit to turn over account to MBO. Any previously set up payments through the account will not run any longer, only MBO transactions. You will continue to get the decline, “invalid digital key” until you contact Ezidebit to make your account compatible with Mindbody.
01

Refer to Card Issuer

Description: The card has been declined by the issuing bank. Please contact the 800 number on the back of the card for more details.
02

Refer to Issuer’s Special Conditions

Description: The card has been declined by the issuing bank. Please contact the 800 number on the back of the card for more details.
03

Invalid Merchant

Description: The merchant account is inactive. Please reach out to Ezidebit for more information.
04

Pick Up Card

Description: The issuing bank is requesting you pick up this card. Please contact the 800 number on the back of the card for more information.
05

Do Not Honour

Description: This is a generic decline from the card issuer. Please contact the 800 number on the back of the card for more information.
06

Error

Description: There was an error processing this payment. Please attempt the transaction again; if the issue persists, contact Ezidebit for more information.
07

Pick Up Card, Special Conditions

Description: The issuing bank is requesting you pick up this card. Please contact the 800 number on the back of the card for more information.
12

Invalid Transaction

Description: This is a generic decline from the card issuer. Please contact the 800 number on the back of the card for more information.
13

Invalid Amount

Description: This is a generic decline from the card issuer. Please contact the 800 number on the back of the card for more information.
14

Invalid Card Number

Description: The card number you have entered is invalid. Please reach out to your client for more information.
15

No Such Issuer

Description: The card number you have entered is invalid. Please reach out to your client for more information.
17

Customer Cancellation

Description: The client has cancelled this transaction. Please reach out to your client for more information.
18

Customer Dispute

Description: The customer has filed a dispute for this transaction. Please reach out to your client for more information.
19

Re-enter Transaction

Description: There was an error processing this payment. Please attempt the transaction again; if the issue persists, contact Ezidebit for more information.
25

Unable to Locate Record on File

Description: This client has not been added into the Ezidebit system. You will need to create a new account in the Mindbody software for this client to re-attempt the transaction.
26

Duplicate File Update Record

Description: Ezidebit is seeing this as a duplicate transaction for this client. Please reach out to Ezidebit for more information.
33

Expired Card—Pick Up

Description: This credit card has expired. Please reach out to your client for updated billing information.
34

Suspected Fraud—Pick Up

Description: The issuing bank is requesting you pick up this card. Please contact the 800 number on the back of the card for more information.
35

Contact Acquirer—Pick Up

Description: The issuing bank is requesting you pick up this card. Please contact the 800 number on the back of the card for more information.
36

Restricted Card—Pick Up

Description: There are restrictions on this card that are not allowing the transaction to be processed. Please reach out to your client for updated billing information.
37

Call Acquirer Security—Pick Up

Description: The issuing bank is requesting you pick up this card. Please contact the 800 number on the back of the card for more information.
41

Lost Card—Pick Up

Description: The issuing bank is requesting you pick up this card. Please contact the 800 number on the back of the card for more information.
43

Stolen Card—Pick Up

Description: The issuing bank is requesting you pick up this card. Please contact the 800 number on the back of the card for more information.
51

Insufficient Funds

Description: This client does not have sufficient funds to process this transaction. Please reach out to your client for updated billing information.
54

Expired Card

Description: This card has expired. Please reach out to your client for updated billing information.
57

Trans. not Permitted to Cardholder

Description: There are restrictions on this card that will not allow this transaction to process. Your client will need to contact the 800 number on the back of their card for more information.
58

Transaction not Permitted to Terminal

Description: There are restrictions on your Ezidebit account that will not allow this transaction to process. Please contact Ezidebit for more information.
59

Suspected Fraud

Description: The issuing bank is requesting you pick up this card. Please contact the 800 number on the back of the card for more information.
62

Restricted Card

Description: There are restrictions on this card that will not allow this transaction to process. Your client will need to contact the 800 number on the back of their card for more information.
91

Declined

Description: There may be a credit card chargeback filed against your business by this cardholder and this will probably only be displayed for Autopays which Ezidebit considers a scheduled payment. Contact Ezidebit for the exact reason for this code and remedy as they suggest.
108

Invalid mobile phone number entered

Description: When the phone number is written under the Client Info all together as 1234567890, the merchant will see this decline code. Modify the phone number format to 4 digits, space, 3 digits space and 3 digits, which is standard Australian phone number format: 1234 567 890, and save it under the Client Info. If the phone number is missing a digit, you can also delete the phone number and save it under the Client Info and it will also work for the decline transaction.
900

Add payment denied – You have multiple Client/Upload Ref combinations, you have exceeded the Max Purchases Per Client Per Day: 2.

Description: You will need to try tomorrow to process this payment.
900

Add payment denied – This customer is on hold due to invalid credit card details and these card details have not been changed.

Description:
The cardholder may have asked their bank to block Ezidebit from charging their card. Cardholder should contact their bank to allow the charge.
900

Add payment denied – This customer’s status of ‘CP: Cancelled: Pick up Card’ does not allow new payments to be added.

Description: Please reach out to Ezidebit as there is a hold on your customer’s account. Ezidebit has the ability to release this hold per your request.
900

Add payment denied – This customer’s status of ‘CB: Direct Debit authority cancelled by bank’ does not allow new payments to be added.

Description: