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Refusal reasons

Learn about the reasons why a payment authorisation can be refused.

Test refusal reasons

You can trigger these refusal reasons in our test environment by their refusalReasonCode values.

When your payment authorization request is not successful, the response returns HTTP status code 200 with a message of OK. Although an HTTP response status code of 200 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.

When the payment or modification request is unsuccessful, the resultCode, refusalReason, and refusalReasonCode describe the issue.

To prevent the malicious use, do not expose the details of the refusal reason to shoppers.

Requirements

Requirement	Description
Integration type	An online payments integration.
Webhooks	You will receive refusal reasons with the Standard webhook. You don't need to subscribe to additional webhooks.

Example refusal reason

Parameter	Description
`refusalReason`	A short explanation for why the payment was refused.
`resultCode`	The category for the refused payment: Refused, Error, or Cancelled.
`refusalReasonCode`	A numeral corresponding to the refusal reason.

Refusal responses

The following are all the possible refusalReasonCode and refusalReason values:

refusalReasonCode	refusalReason	Description
0	(none)	Sometimes `refusalReasonCode` 0 is returned along with `resultCode` Authorised. When this happens, ignore the refusal reason code. The transaction succeeded.
2	Refused	The transaction was refused.
3	Referral	Referrals.
4	Acquirer Error	The transaction did not go through due to an error that occurred on the acquirer's end.
5	Blocked Card	The card used for the transaction is blocked, therefore unusable.
6	Expired Card	The card used for the transaction has expired. Therefore it is unusable.
7	Invalid Amount	An amount mismatch occurred during the transaction process.
8	Invalid Card Number	The specified card number is incorrect or invalid.
9	Issuer Unavailable	It is not possible to contact the shopper's bank to authorize the transaction.
10	Not supported	The shopper's bank does not support or does not allow this type of transaction.
11	3D Not Authenticated	3D Secure authentication was not executed, or it did not execute successfully.
12	Not enough balance	The card does not have enough money to cover the payable amount.
14	Acquirer Fraud	Possible fraud.
15	Cancelled	The transaction was cancelled.
16	Shopper Cancelled	The shopper cancelled the transaction before completing it.
17	Invalid Pin	The specified PIN is incorrect or invalid.
18	Pin tries exceeded	The shopper specified an incorrect PIN more that three times in a row.
19	Pin validation not possible	It is not possible to validate the specified PIN number.
20	FRAUD	The pre-authorization risk checks resulted in a fraud score of 100 or more. Therefore, the transaction was flagged as fraudulent, and was refused.
21	Not Submitted	The transaction was not submitted correctly for processing.
22	FRAUD-CANCELLED	The sum of pre-authorization and post-authorization risk checks resulted in a fraud score of 100 or more. Therefore, the transaction was flagged as fraudulent, and was refused.
23	Transaction Not Permitted	The following declined codes are mapped to this refusal reason: "57: Transaction not permitted to issuer/cardholder" "57: Transaction not allowed for this merchant" "58: Transaction not permitted to acquirer/terminal"
24	CVC Declined	The specified CVC (card security code) is invalid.
25	Restricted Card	The following decline codes are mapped to this refusal reason: "62: Restricted Card" "62: Invalid card in this country"
26	Revocation Of Auth	Indicates that the shopper requested to stop a subscription. Decline codes such as the following are mapped to this refusal reason: "R1: Revocation of Authorization Order" "R3: Revocation of All Authorizations Order" "R0: Stop Payment Order"
27	Declined Non Generic	This 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" response) from more specific ones.
28	Withdrawal amount exceeded	The transaction amount was higher than the withdrawal amount permitted for the shopper's card.
29	Withdrawal count exceeded	The shopper exceeded the number of withdrawals that is permitted for the shopper's card.
31	Issuer Suspected Fraud	Issuer reported the transaction as suspected fraud.
32	AVS Declined	The address data the shopper entered is incorrect.
33	Card requires online pin	The shopper's bank requires the shopper to enter the PIN.
34	No checking account available on Card	The shopper's bank requires a checking account to complete the purchase.
35	No savings account available on Card	The shopper's bank requires a savings account to complete the purchase.
36	Mobile pin required	The shopper's bank requires the shopper to enter a mobile PIN.
37	Contactless fallback	The shopper abandoned the transaction after they attempted a contactless payment and were prompted to try a different card entry method (PIN or swipe).
38	Authentication required	The issuer declined the authentication exemption request and requires authentication for the transaction. Retry with 3D Secure.
39	RReq not received from DS	The issuer or the scheme wasn't able to communicate the outcome via RReq.
40	Current AID is in Penalty Box	The payment network cannot be reached. Retry the transaction with a different payment method.
41	CVM Required Restart Payment	A PIN or signature is required. Retry the transaction.
42	3DS Authentication Error	The 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.
46	Transaction blocked by Adyen to prevent excessive retry fees	Adyen's excessive retry prevention service blocked the transaction to make sure that you are not charged penalty fees.