Payment Status

• The transaction was successfully processed.

• The customer has intentionally canceled the payment process.

The payment was declined for one of the following reasons:

• The 3-D Secure authentication was denied.

• The 3-D Secure authentication was not successfully completed.

• The card issuer declined the transaction processing.

• There were insufficient funds on the card.

• The payment processing exceeded the payment provider's time limit.

• An error occurred during the payment processing.

• The payment has been initialized and its status will be updated in the next few hours or days.

Note: For manual payment methods, the status can be manually adjusted.

• The entire transaction amount has been refunded.

• A partial refund of the transaction has been processed.

• Tokenization has occurred, and the card can be charged recurrently in the future.

• The amount from the pre-authorization has been charged.

• Tokenization has occurred, but the amount has not yet been charged.

• A specific amount has been reserved on the card and is available for withdrawal in the coming days.

• The customer has disputed the payment with their bank. You can accept the dispute or submit evidence through the transaction detail view.

• The buyer has disputed the payment with their bank. We will contact you regarding the handling of the dispute.

• The evidence you submitted is still under review.

• The customer's bank has determined that you, as the merchant, are in the right. The dispute is thus resolved.

• The customer's bank has determined that the buyer is in the right. The dispute is thus resolved.

01

The card issuer has declined the transaction. The cardholder should contact the issuing bank directly to clarify the situation.

04

The transaction was declined by the issuing bank, as the card may have been reported lost or stolen, and retention of the card was requested. Please ask the customer to use a different card or contact their bank to resolve the issue.

05

The card issuer is unwilling to accept the transaction. The customer should use an alternative card or contact their bank for further information.

07

The transaction was declined. This may be due to the card being reported as lost or stolen.

10

Certain card issuers allow for partial authorization of a transaction. In such cases, a portion of the requested amount is approved, and the remaining balance must be paid using an alternative payment method.

12

An error occurred while processing the card. Please ensure that the payment options are correctly configured.

13

Please double-check the entered information. If a negative amount or invalid characters were entered during the transaction, ask the customer to resubmit the payment.

14

The transaction was declined by the card issuer because the credit card number was either entered incorrectly or does not exist. The customer should verify their card details and try again.

15

The customer's card issuer does not exist. Please ask the customer to verify their card details and attempt the transaction again.

19

Transaction processing is temporarily unavailable (applies to Visa). Please ask the customer to try again later.

22

The issuing bank did not respond during the transaction. Please ask the customer to verify the card details and try processing the transaction again.

31

The customer's bank has declined the transaction because the card cannot be used for mail, telephone, fax, email, or online orders. This error typically occurs with Discover cards, so the customer should use an alternative card. If a Discover card was not used, the customer should contact their bank.

34

The transaction was declined by the issuing bank due to suspected fraud on the card number used. If multiple transactions with code 34 occur, please contact us.

41

The issuing bank has declined the transaction because the cardholder reported the card as lost or stolen. Refer the cardholder to the issuing bank and do not fulfill the order.

42

The transaction was declined by the issuing bank because the account type is invalid for this card number. Please ask the customer to use a different card or contact their bank.

43

The issuing bank has declined the transaction because the cardholder reported the card as stolen. Refer the cardholder to the issuing bank and do not fulfill the order.

46

The transaction was declined by the customer's bank due to account closure or validation issues. Please ask the customer to contact their bank to resolve the validation problem.

51

The transaction was declined by the card issuer due to insufficient funds in the linked account or because the charge would exceed the card’s credit limit. The customer should try using an alternative card or contact the card issuer.

54

The card has expired and is no longer valid. The customer should update their card details or use a different card.

55

The customer entered an incorrect PIN. Please ask them to enter the correct PIN or use an alternative payment method.

56

The issuing bank has declined the transaction because the card number does not exist. Please ask the customer to use a different credit card.

57

The issuing bank has declined the transaction because the card used cannot be accepted for this type of transaction. Please ask the customer to use a different card or contact their bank. Once the bank confirms that the transaction can be processed correctly, the customer may attempt the transaction again.

59

The issuing bank has declined the transaction as it was flagged as fraudulent. Monitor all transactions processed after this error and contact Payrexx support.

61

The transaction amount exceeds the withdrawal limit set by the card issuer.

62

The card is invalid in a specific region or country, or the customer attempted to pay online with a card that does not support online transactions. Please ask the customer to use a different payment method.

63

The issuing bank has detected a security issue with the card used. Please ask the customer to choose an alternative payment method or try the transaction again once the issue has been resolved with their bank.

65

The transaction was declined because the card has reached its activity limit. Please ask the customer to use a different payment method.

80

The card expiration date provided is invalid. The customer should verify the expiration date and try again.

82

The transaction was declined because the CVV/CID/CVC number provided by the customer does not match the one on file with the card issuer. The customer should verify the CVV/CID/CVC number and try again.

1A

The code applies to Visa and indicates that authentication is required for the transaction. If the transaction is not subject to the PSD2 regulation and was not processed via 3D Secure, the customer should retry the transaction using 3D Secure.