Decline Codes
Payment decline codes vary by processor and are used to indicate why a transaction failed. Each processor has its own set of response codes, which provide insight into whether a decline was due to insufficient funds, fraud prevention, incorrect details, or other reasons.
- Understanding Decline Codes
✔ Decline codes help identify the reason for failed transactions.
✔ Each payment processor has its own list of decline codes.
✔ Understanding decline codes helps merchants troubleshoot and improve transaction approval rates.
- Processor-Specific Decline Codes
Below are links to official processor documentation for detailed decline code lists:
🔹 Worldpay Decline Codes:
🔹 Nuvei Decline Codes:
🔹 Adyen Decline Codes:
📌 For additional assistance, refer to each processor’s documentation or contact support.
- Common Decline Code Categories
| Category | Description |
|---|---|
| Insufficient Funds | The cardholder’s account does not have enough balance to complete the transaction. |
| Expired Card | The credit/debit card used has expired. |
| Incorrect Card Details | The card number, CVV, or expiration date is incorrect. |
| Fraud Suspected | The transaction was flagged due to unusual activity. |
| Processor Decline | The payment processor rejected the transaction for unspecified reasons. |
| Merchant Restrictions | The merchant is not allowed to process payments in certain regions or categories. |
Updated 6 months ago