Credit card error and declined messages

Understand the credit card error and declined messages.

A transaction error for a payment method such as a credit card saved in the payment source may contain additional information as shown in the following declined message (declinedMessage) example:

"errors": {
    "error": [
        {
            "relation": "https://developers.digitalriver.com/v1/shoppers/SubmitCartResource",
            "code": "declined",
            "subcode": "fraud_block",
            "description": "The transaction has been identified by Digital River as fraudulent.",
            "declinedMessage": {
                "merchantDeclinedType": "Hard",
                "customerDeclinedType": "Hard",
                "code": "7011"
            }
        }
    ]
}

Credit card error codes

The error codes for transactions using a credit card saved in the payment source are described below.

declined

The declined error code has the following subcodes:

• account_frozen–The account is frozen.

• account_closed–The account is closed.

• authentication_required–The transaction requires authentication.

• blacklisted_card–The credit card is blacklisted.

• card_limit_exceeded–The transaction exceeds the card limit amount.

• card_not_active–The card is not active yet.

• card_type_block–The merchant has blocked this card type.

• card_velocity_exceeded–The transaction exceeds the velocity amount.

• declined–The card has been declined for an unknown reason.

• declined_can_retry–The card has been declined for an unknown reason.

• do_not_honor–The card issuing bank has declined this payment.

• duplicate_transaction–The transaction is a duplicate.

• fraud–The issuing bank has identified the transaction as fraudulent.

• fraud–The transaction has been identified as fraudulent.

• fraud_block–Digital River has identified the transaction as fraudulent.

• illegal_action–The transaction has been identified as illegal.

• insufficient_funds–The card has insufficient funds to complete the purchase

• invalid_amount–The card network does not accept the amount.

• invalid_currency–The currency is not supported.

• invalid_field_data–The transaction contains invalid data.

• invalid_merchant–The merchant is invalid for this type of transaction.

• invalid_payment_method–The payment method used is invalid.

• invalid_security_field–The transaction contains invalid data.

• invalid_transaction_type–The transaction type is invalid.

• issuer_unavailable–The card does not exist with the issuer.

• limit_exceeded–The transaction amount exceeds your assigned limit.

• lost_stolen_card–The issuing bank has marked this card as lost or stolen.

• mid_limit_exceeded–The transaction amount exceeds the limit assigned for this MID.

• new_card_issued–New account information is available.

• no_response–The payment processor did not respond.

• pin_try_exceeded–The bank's allowable number of PIN tries has been exceeded.

• restricted_card–The card network has restricted the use of this card.

• sca_not_completed–The payment authorization was not initiated as the shopper did not successfully complete the authentication process.

• stop_recurring–Stop all billing as this account is closed.

• suspected_fraud–The issuer has identified this transaction potentially as fraudulent.

• unidentified_error–The card has been declined for an unknown reason.

declined - contact bank

The declined - contact bank error code has the following subcodes:

• voice_authorization_required–The issuer requires voice authorization.

invalid

The invalid error code has the following subcodes:

• issuer_invalid_card–The card does not exist with the issuer.

invalid card

The invalid card error code has the following subcodes:

• card_expired–The card is expired.

• invalid_address–The address does not match the card network's records.

• invalid_card_number–The card number entered is invalid.

• invalid_card_bin–The card bin is invalid.

• invalid_expiration_date–The card is expired, or the expiration date is invalid.

• invalid_pin–The PIN provided is invalid or incorrect.

• invalid_security_code–The security code provided is invalid or incorrect.

• issuer_not_found–The card issuer does not exist.

Declined messages

declinedMessage

A declinedMessage includes the following information:

• code–This code helps to categorize failure reasons for the declined message that look different but point to the same issue.

• merchantDeclinedType–This field indicates the authentication decline type of transaction initiated by the merchant.

• customerDeclinedType–This field indicates the authentication decline type of transaction initiated by the shopper.