Processor error codes and their definitions

When a transaction cannot be processed for some reason, a processor error code can be found in the transactions details. The response text provided by the processor will offer further details. The following guide will help you to understand exactly what went wrong when a transaction fails. To use this guide, locate the error code that you received in the left-hand column; its meaning will be listed in the corresponding cell.

Processor error codeProcessor error meaning
5The processor has declined the transaction. The client must call the bank that issues the card.
74The client's name is required to process the transaction.
98The processor has declined the transaction, citing the reason that an unsupported card type is being used. Often caused by VISA debit cards.
200This code denotes that the transaction was declined by the processor for some reason. Any processor error code that begins with the number 2 and has three digits will fall under this reason, meaning that those errors are all caused by the processor declining the transaction.
201The processor has declined the transaction, citing the reason that the transaction should not be honored.
202The processor has declined the transaction because the account used has insufficient funds.
203The processor has declined the transaction because the account used is over its limit.
204The processor has declined the transaction, citing the reason that the transaction is not allowed.
220The processor has declined the transaction because incorrect payment data was entered. Any processor error code that begins with 22 and has three digits will fall under this reason, meaning that those errors are all declined by the processor because incorrect payment data was used.
221The processor declined the transaction because no such card issuer exists.
222The processor declined the transaction because there is no card number on file with issuer.
223The processor declined the transaction because the card is expired.
224The processor declined the transaction because the expiration date is invalid.
225The processor declined the transaction because the card security code is invalid.
240The processor declined the transaction. You must call issuer for further information.
250The processor declined the transaction. You must take the card.
251The processor declined the transaction, citing the reason that the card has been reported lost.
252The processor declined the transaction, citing the reason that the card has been reported stolen.
253The processor declined the transaction, citing the reason that the card is fraudulent.
260The transaction was declined. Further instructions are available in response text. Any processor error code that begins with 26 and has three digits will fall under this reason, meaning that those errors will come with instructions in the response text.
261The transaction was declined. To process a transaction, you must stop all recurring payments.
262The transaction was declined. To process a transaction, you must stop this recurring program.
263The transaction was declined. To process a transaction, you must update cardholder data.
264The transaction was declined. To process a transaction, you must retry in a few days.
300This code denotes that the transaction was rejected by the gateway for some reason. Any processor error code that begins with the number 3 and has three digits will fall under this reason, meaning that those errors are all caused by the gateway rejecting the transaction.
400The processor encountered an error due to invalid province code.
410The processor encountered an error due to invalid merchant configuration.
411The processor encountered an error because the merchant account is inactive.
420The processor encountered an error due to a communication error.
421The processor encountered an error due to a communication error with the issuer.
430The processor encountered an error because a duplicate transaction already exists.
440The processor encountered a processor format error.
441The processor encountered an error due to invalid transaction information.
460The processor encountered an error because the processor feature not available.
461The processor encountered an error due to an unsupported card type.
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