Refusal reasons - Visa and Mastercard

The response code returns with or without a leading zero. 

The format is as follows: 

[Scheme Response code] : [Refusal reason raw String]

There is a wide range of refusal reasons, we describe the most common ones by Visa and Mastercard:

Last journal type Raw Acquirer Response Description
Cancelled 00: Approved or completed successfully Transaction was cancelled after being initially approved by the issuer. This can be due to various reasons, for example, if the shopper returns goods after purchase. 
Refused 01: Refer to card issuer Transaction refused by the card issuer. Shopper should contact their bank for clarification. Shopper can try again after resolving the issue with their bank, or use another payment method.
Refused 03: Invalid merchant Transaction refused by the card issuer. Shopper should contact their bank for clarification. Shopper can try again after resolving the issue with their bank, or use another payment method.
Refused 04: Capture card / Pick-up Card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card. This reason is used in an E-Commerce environment although it originates from a POS (Point Of Sale) environment.
Refused 05: Do not honor This is a generic refusal bucket used by issuers to refuse a payment. Unfortunately, the reason can be several things. In all cases the shopper should contact their issuing bank for clarification and solution.
Refused 06: Error Payment could not be authorised and resulted in error. Shopper can try again or use another payment method.
Refused 07: Pickup card, special condition Card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card.
Cancelled 10: Partial approval Transaction was cancelled. Some card issuers support partial-approval authorization. This approves a part of the requested transaction, leaving the remainder to be paid with another form of tender.
Refused 12: Invalid transaction Card issuer does not allow this type of transaction on this card/account. For example, the card is a fleet card for which this type of transaction is not permitted.
Refused 13: Invalid amount Card issuer has declined the transaction because of an invalid format or field. This response usually occurs with Cirrus or Maestro Debit and Prepaid Cards or cards that are not allowed to do online purchases.. Shopper should retry or use an alternate payment method.
Refused 14: Invalid card number Card issuer is unable to validate the account number.
Refused 15: Invalid issuer Card number is not within a card number range supported by the scheme.
Refused 30: Format error Card issuer does not recognize the transaction details being entered. This is due to a format error. Shopper should check the transaction information and retry.
Refused 41: Lost card Card reported as lost. Validate shopper's authenticity and refer then to their bank.
Refused 43: Stolen card Card reported as stolen. Validate shopper's authenticity and refer them to their bank.
Refused 51: Insufficient funds/over credit limit / Not sufficient funds Insufficient funds in the cardholder's account. Shopper can try again after adding funds to their bank account, or use another payment method.
Refused 54: Expired card Card expiration date passed. Shopper should correct or use an alternate payment method.
Refused 55: Invalid PIN Shopper failed PIN validation (entered an invalid PIN). Shopper should correct or use an alternate payment method.
Refused 57: Transaction not permitted to issuer/cardholder Card issuer does not permit the transaction on this card/account. Shopper can use another payment method. For activation or loading of prepaid cards Merchant, acquirer BIN, and issuer BIN are not all domestic. An issuer's processing center is not certified to receive transaction-specific data in TLV format (field 104 in request message).
Refused 59: Suspected fraud Card issuer or Adyen suspects this payment to be fraudulent and therefore refuses. We calculate the fraud score using a wide range of pre-determined criteria, read What does the fraud score mean? to learn more.
Refused 61: Exceeds withdrawal amount limit(s) / Withdrawal amount limit exceeded

Shopper exceeded their card limit. Shopper can try again after resolving the issue with their bank, or use another payment method.

Refused 62: Restricted card Card issuer has defined the card on an exclusion list. For example: it has excluded or embargoed the card's country.
Refused 63: Security violation Card issuer indicated a security issue with this card. Shopper can use another payment method. Alternatively, the shopper can try again after they resolved the issue with their bank.
Refused 65: Exceeds withdrawal count limit / Withdrawal count limit exceeded Shopper exceeded their card usage frequency limit. Shopper can use another payment method. or alternatively try again with the same card after the shopper took care of the card limit issue.
Refused 70: Contact Card Issuer Card issuer indicated an issue with this card and requests contact from the shopper. Shopper can use another payment method. Alternatively the shopper can try again after they resolved the issue with their bank.
Refused 75: Allowable number of PIN tries exceeded Shopper exceeded number of PIN failures allowed by issuing bank. Shopper should retry or use an alternate payment method.
Refused 78: Invalid/nonexistent account specified (general) Transaction is from a new cardholder, and the card has not been properly unblocked.
Refused 80: Credit issuer unavailable Issuing bank down. Shopper should retry or use an alternate payment method.
Authorised 85: No reason to decline a request for account number verification, address verification, CVV2 verification, or a credit voucher or merchandise return Zero-value auth request authorised.
Authorised 85: Not declined (Valid for all zero amount transactions) Zero-value auth request authorised.
Refused 91: Authorization Platform or issuer system inoperative / Issuer not available The issuing bank down. Shopper should retry or use an alternate payment method.
Error 91: Issuer unavailable or switch inoperative Issuer or issuer processor cannot authorize, for example because of downtime.
Refused 92: Destination cannot be found for routing / Unable to route transaction Shopper is using a test card number on live. Shopper should use an alternate payment method.
Refused 93: Transaction cannot be completed; violation of law Issuing bank will not allow this transaction. Shopper should use an alternate payment method.
Refused 96: System malfunction Issuing bank down. Shopper should retry or use an alternate payment method.