{"title":"Refusal reasons","category":"default","creationDate":1691392320,"content":"
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Test refusal reasons<\/h5>

You can trigger these refusal reasons in our test environment by their refusalReasonCode values<\/a>.<\/p><\/div><\/div>\n\n

When your payment authorization request is not successful, the response returns HTTP status code<\/a> 200<\/code> with a message of OK<\/strong><\/span>. Although an HTTP response status code of 200<\/code> means that the request was submitted correctly and Adyen processed it successfully, it does not necessarily mean that the payment or modification request was successfully executed.<\/p>\n

When the payment or modification request is unsuccessful, the resultCode<\/code>, refusalReason<\/code>, and refusalReasonCode<\/code> describe the issue.<\/p>\n

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To prevent malicious use, do not expose the details of the refusal reason to shoppers.<\/p>\n<\/div>\n

Requirements<\/h2>\n\n\n\n\n\n\n
Requirement<\/th>\nDescription<\/th>\n<\/tr>\n<\/thead>\n
Integration type<\/strong><\/td>\nAn online payments<\/a> integration.<\/td>\n<\/tr>\n
Webhooks<\/a><\/strong><\/td>\nYou will receive refusal reasons with the Standard webhook<\/a>. You don't need to subscribe to additional webhooks.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Example refusal reason<\/h2>\n
\n <\/code-sample>\n<\/div>\n\n\n\n\n\n\n\n
Parameter<\/th>\nDescription<\/th>\n<\/tr>\n<\/thead>\n
refusalReason<\/code><\/td>\nA short explanation for why the payment was refused.<\/td>\n<\/tr>\n
resultCode<\/code><\/td>\nThe category for the refused payment: Refused<\/strong><\/span>, Error<\/strong><\/span>, or Cancelled<\/strong><\/span>.<\/td>\n<\/tr>\n
refusalReasonCode<\/code><\/td>\nA numeral corresponding to the refusal reason.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Refusal responses<\/h2>\n

The following are all the possible refusalReasonCode<\/code> and refusalReason<\/code> values:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
refusalReasonCode<\/th>\nrefusalReason<\/th>\nDescription<\/th>\n<\/tr>\n<\/thead>\n
0<\/td>\n(none)<\/td>\nSometimes refusalReasonCode<\/code> 0<\/strong> is returned along with resultCode<\/code> Authorised<\/strong><\/span>. When this happens, ignore the refusal reason code. The transaction succeeded.<\/td>\n<\/tr>\n
2<\/td>\nRefused<\/span><\/td>\nThe transaction was refused.<\/td>\n<\/tr>\n
3<\/td>\nReferral<\/span><\/td>\nReferrals.<\/td>\n<\/tr>\n
4<\/td>\nAcquirer Error<\/span><\/td>\nThe transaction did not go through due to an error that occurred on the acquirer's end.<\/td>\n<\/tr>\n
5<\/td>\nBlocked Card<\/span><\/td>\nThe card used for the transaction is blocked, therefore unusable.<\/td>\n<\/tr>\n
6<\/td>\nExpired Card<\/span><\/td>\nThe card used for the transaction has expired. Therefore it is unusable.<\/td>\n<\/tr>\n
7<\/td>\nInvalid Amount<\/span><\/td>\nAn amount mismatch occurred during the transaction process.<\/td>\n<\/tr>\n
8<\/td>\nInvalid Card Number<\/span><\/td>\nThe specified card number is incorrect or invalid.<\/td>\n<\/tr>\n
9<\/td>\nIssuer Unavailable<\/span><\/td>\nIt is not possible to contact the shopper's bank to authorize the transaction.<\/td>\n<\/tr>\n
10<\/td>\nNot supported<\/span><\/td>\nThe shopper's bank does not support or does not allow this type of transaction.<\/td>\n<\/tr>\n
11<\/td>\n3D Not Authenticated<\/span><\/td>\n3D Secure authentication was not executed, or it did not execute successfully.<\/td>\n<\/tr>\n
12<\/td>\nNot enough balance<\/span><\/td>\nThe card does not have enough money to cover the payable amount.<\/td>\n<\/tr>\n
14<\/td>\nAcquirer Fraud<\/span><\/td>\nPossible fraud.<\/td>\n<\/tr>\n
15<\/td>\nCancelled<\/span><\/td>\nThe transaction was cancelled.<\/td>\n<\/tr>\n
16<\/td>\nShopper Cancelled<\/span><\/td>\nThe shopper cancelled the transaction before completing it.<\/td>\n<\/tr>\n
17<\/td>\nInvalid Pin<\/span><\/td>\nThe specified PIN is incorrect or invalid.<\/td>\n<\/tr>\n
18<\/td>\nPin tries exceeded<\/span><\/td>\nThe shopper specified an incorrect PIN more that three times in a row.<\/td>\n<\/tr>\n
19<\/td>\nPin validation not possible<\/span><\/td>\nIt is not possible to validate the specified PIN number.<\/td>\n<\/tr>\n
20<\/td>\nFRAUD<\/span><\/td>\nThe pre-authorization risk checks resulted in a fraud score<\/a> of 100 or more. Therefore, the transaction was flagged as fraudulent, and was refused.<\/td>\n<\/tr>\n
21<\/td>\nNot Submitted<\/span><\/td>\nThe transaction was not submitted correctly for processing.<\/td>\n<\/tr>\n
22<\/td>\nFRAUD-CANCELLED<\/span><\/td>\nThe sum of pre-authorization and post-authorization risk checks resulted in a fraud score<\/a> of 100 or more. Therefore, the transaction was flagged as fraudulent, and was refused.<\/td>\n<\/tr>\n
23<\/td>\nTransaction Not Permitted<\/span><\/td>\n

The following declined codes are mapped to this refusal reason:<\/p>

  • \"57: Transaction not permitted to issuer\/cardholder<\/strong><\/span>\"<\/li>
  • \"57: Transaction not allowed for this merchant<\/strong><\/span>\"<\/li>
  • \"58: Transaction not permitted to acquirer\/terminal<\/strong><\/span>\"<\/li><\/ul><\/td>\n<\/tr>\n
24<\/td>\nCVC Declined<\/span><\/td>\nThe specified CVC (card security code<\/a>) is invalid.<\/td>\n<\/tr>\n
25<\/td>\nRestricted Card<\/span><\/td>\n

The following decline codes are mapped to this refusal reason:<\/p>

  • \"62: Restricted Card<\/strong><\/span>\"<\/li>
  • \"62: Invalid card in this country<\/strong><\/span>\"<\/li><\/ul><\/td>\n<\/tr>\n
26<\/td>\nRevocation Of Auth<\/span><\/td>\n

Indicates that the shopper requested to stop a subscription.<\/p>

Decline codes such as the following are mapped to this refusal reason:<\/p>

  • \"R1: Revocation of Authorization Order<\/strong><\/span>\"<\/li>
  • \"R3: Revocation of All Authorizations Order<\/strong><\/span>\"<\/li>
  • \"R0: Stop Payment Order<\/strong><\/span>\"<\/li><\/ul><\/td>\n<\/tr>\n
27<\/td>\nDeclined Non Generic<\/span><\/td>\nThis response maps all those response codes that cannot be reliably mapped. This makes it easier to tell generic declines (for example, Mastercard \"05: Do not honor<\/a>\" response) from more specific ones.<\/td>\n<\/tr>\n
28<\/td>\nWithdrawal amount exceeded<\/span><\/td>\nThe transaction amount was higher than the withdrawal amount permitted for the shopper's card.<\/td>\n<\/tr>\n
29<\/td>\nWithdrawal count exceeded<\/span><\/td>\nThe shopper exceeded the number of withdrawals that is permitted for the shopper's card.<\/td>\n<\/tr>\n
31<\/td>\nIssuer Suspected Fraud<\/span><\/td>\nIssuer reported the transaction as suspected fraud.<\/td>\n<\/tr>\n
32<\/td>\nAVS Declined<\/span><\/td>\nThe address data the shopper entered is incorrect.<\/td>\n<\/tr>\n
33<\/td>\nCard requires online pin<\/span><\/td>\nThe shopper's bank requires the shopper to enter the PIN.<\/td>\n<\/tr>\n
34<\/td>\nNo checking account available on Card<\/span><\/td>\nThe shopper's bank requires a checking account to complete the purchase.<\/td>\n<\/tr>\n
35<\/td>\nNo savings account available on Card<\/span><\/td>\nThe shopper's bank requires a savings account to complete the purchase.<\/td>\n<\/tr>\n
36<\/td>\nMobile pin required<\/span><\/td>\nThe shopper's bank requires the shopper to enter a mobile PIN.<\/td>\n<\/tr>\n
37<\/td>\nContactless fallback<\/span><\/td>\nThe shopper abandoned the transaction after they attempted a contactless payment and were prompted to try a different card entry method (PIN or swipe).<\/td>\n<\/tr>\n
38<\/td>\nAuthentication required<\/span><\/td>\nThe issuer declined the authentication exemption request and requires authentication for the transaction. Retry with 3D Secure.<\/td>\n<\/tr>\n
39<\/td>\nRReq not received from DS<\/span><\/td>\nThe issuer or the scheme wasn't able to communicate the outcome via RReq.<\/td>\n<\/tr>\n
40<\/td>\nCurrent AID is in Penalty Box<\/span><\/td>\nThe payment network cannot be reached. Retry the transaction with a different payment method.<\/td>\n<\/tr>\n
41<\/td>\nCVM Required Restart Payment<\/span><\/td>\nA PIN or signature is required. Retry the transaction.<\/td>\n<\/tr>\n
42<\/td>\n3DS Authentication Error<\/span><\/td>\nThe 3D Secure authentication failed due to an issue at the card network or issuer. Retry the transaction, or retry the transaction with a different payment method.<\/td>\n<\/tr>\n
46<\/td>\nTransaction blocked by Adyen to prevent excessive retry fees<\/span><\/td>\nAdyen's excessive retry prevention service blocked the transaction to make sure that you are not charged penalty fees.<\/td>\n<\/tr>\n
50<\/td>\nToken Revoked<\/span><\/td>\nThe token granted to the merchant for recurring charges was disabled by the shopper.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

See also<\/h2>\n