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
Worldpay Decline CodesNuvei
Nuvei Decline CodesEPX
EPX Decline CodesAdyen
Adyen Decline Codes For additional assistance, refer to each processor’s documentation or contact support. For additional assistance, refer to each processor’s documentation or contact support via the portal (log in and use the help icon).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. |