Result codes tell you why a credit card payment was declined.
Note
These codes apply to all platforms and gateways that iClassPro supports.
Hard declines
A hard decline is permanent. The issuing bank does not approve the payment. Do not retry the card.
These problems can cause a hard decline:
- Stolen card
- Invalid card
- Closed account
With a hard decline, the problem starts with the issuing bank or the processor.
Warning
Retrying does not work, even on a renewal. The customer has to fix the problem. This most likely means a new credit card.
Soft declines
A soft decline is temporary. The issuing bank approves the payment, but the transaction fails at another point.
These are typical reasons for a soft decline:
- Insufficient funds
- Processor declined
- Card activity limit exceeded
- The purchase is unusual
- The billing address and the IP address do not match
- The card is being used abroad
You can retry the card one or two days after a soft decline. The payment may then be approved.
Result codes
Open a group, then open the code you need. Some codes flag the payment method as Invalid. Those codes say so.
▶ Codes 100 to 204
▶ 100 · Transaction was approved
Info
The customer's bank approved the purchase.
▶ 200/652 · Transaction was declined by processor
Decline
The customer's bank refused the request. The response code may hint at why. Only the bank can confirm. Common reasons are a wrong card number or expiration date. Some card processors show this as "Processor Error 652."
▶ 201 · Do not honor
Hard decline
The card's bank will not approve the transaction or give an authorization code. It has completely rejected the card.
▶ 202 · Insufficient funds
Soft decline
The account does not have enough money to cover the payment.
▶ 203 · Over limit
Soft decline
The purchase would put the account over its credit limit. The bank may decline it.
▶ 204 · Transaction not allowed
Hard decline
The card provider rejected the transaction and gave no reason. The card may be fine, but the bank will not approve this transaction. The customer should contact their bank for more information.
▶ Codes 220 to 226
▶ 220 · Incorrect payment information
Hard decline · Flags the payment method as Invalid
The information provided is expired or invalid.
▶ 221 · No such card user
Hard decline · Flags the payment method as Invalid
The card number entered is incorrect.
▶ 222 · No card number on file with issuer
Hard decline · Flags the payment method as Invalid
The card's issuer (Visa, Mastercard, Discover, or AMEX) does not have this number on file.
▶ 223 · Expired card
Hard decline · Flags the payment method as Invalid
The card's expiration date has passed.
▶ 224 · Invalid expiration date
Soft decline · Flags the payment method as Invalid
The card's expiration month or year was mistyped, formatted incorrectly, or does not match a valid date.
▶ 225 · Invalid security code
Soft decline
The 3 digit code entered does not match the card.
▶ 226 · Invalid PIN
Soft decline
The PIN entered does not match the card.
▶ Codes 240 to 264
▶ 240 · Call Issuer for further information
Hard decline
Contact the card issuer (Visa, Mastercard, Discover, or AMEX) for help.
▶ 250 · Pick up card
Hard decline · Flags the payment method as Invalid
The card issuer wants the card back. The card may be lost or stolen. The bank may have closed the account.
▶ 251 · Lost card
Hard decline · Flags the payment method as Invalid
Report and cancel a lost card.
▶ 252 · Stolen card
Hard decline · Flags the payment method as Invalid
Report and cancel a stolen card.
▶ 253 · Fraudulent card
Hard decline · Flags the payment method as Invalid
Someone may be using the card to get goods or money without permission.
▶ 260 · Declined with further instructions available (See response text)
Decline
The transaction was declined. The response text gives more instructions.
▶ 261 · Declined-Stop all recurring payments
Soft decline · Flags the payment method as Invalid
The transaction was declined. To process a transaction, you must stop all recurring payments.
▶ 262 · Declined-Stop this recurring program
Soft decline · Flags the payment method as Invalid
The transaction was declined. To process a transaction, you must stop this recurring program.
▶ 263 · Declined-Update cardholder data available
Hard decline
The transaction was declined. To process a transaction, you must update cardholder data.
▶ 264 · Declined-Retry in a few days
Soft decline
The transaction was declined. To process a transaction, you must retry in a few days.
▶ Codes 300 to 461
▶ 300 · Transaction was rejected by gateway
Hard decline
Your gateway settings blocked the transaction. The customer's bank did not. The transaction failed the duplicate check, the Address Verification Service (AVS) rules, the Card Verification Value (CVV) rules, or the risk rules in your card processor account.
▶ 400 · Transaction error returned by processor
Hard decline
The customer's bank refused the request. The response code may hint at why. Only the bank can confirm. Common reasons are a wrong card number or expiration date.
▶ 410 · Invalid merchant configuration
Info
Some merchant information entered is wrong.
▶ 411 · Merchant account is inactive
Info
The merchant login ID or password is invalid, or the account is inactive. This usually means account setup is not finished. Call the card processor or sign in to your card processor account to fix it.
▶ 420 · Communication error
Info
Poor line conditions, such as static or noise, can cause this. Other causes include:
- Call waiting on the recipient line
- Not enough memory on the remote machine
- Power loss on either end
- A busy signal on the recipient line
- Two machines that do not work together
▶ 421 · Communication error with issuer
Info
There was a problem reaching the card's issuer. Try the issuer again.
▶ 430 · Duplicate transaction at processor
Info
A charge ran twice. It may need to be voided or refunded. To shorten the duplicate transaction window, submit a request to the iClassPro Payments team.
▶ 440 · Processor format error
Info
The processor found a format error.
▶ 441 · Invalid transaction information
Hard decline
The issuer often sends this when it does not accept the transaction. It may happen when the same amount and merchant are tried many times, fast, on one card. The cardholder should contact the issuing bank.
▶ 460 · Processor feature not available
Info
The feature requested is not available now. Submit a request to the iClassPro Payments team to enable it, if it is available.
▶ 461 · Unsupported card type
Hard decline
The card processor or merchant account does not accept this brand or type of card. For example, the card network may not be enabled on your gateway.
Related: What Do Refusal Responses Mean?