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Reference Guides
Common Decline Codes
Here are some of the more common decline codes and how to address them.
| Response Code |
Terminal Response |
Action to Take |
| 1 |
Call Center |
Call for voice Authorization. |
| 2 |
Call Center 02 |
Call for voice Authorization. |
| 4 |
Hold - Call 04 |
Retain the card and call voice authorization for more information. |
| 5 |
Decline 05 |
Do Not Honor. You can call voice authroization for more information. |
| 6 |
Decline AVS |
Error. There was an issue with some AVS information not macthing. |
| 41 |
Hold - Call 41 |
Lost card, pick up. Call the issuing bank of the card for more information. |
| 43 |
Hold - Call 43 |
Stolen card, pick up. Call the issuing bank of the card for more information. |
| 51 |
Declined 51 |
Insufficient Funds |
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