Visa response codes
Last updated: October 16, 2024
Visa divides its response codes into categories to inform you if and when to retry transactions.
This category of decline codes indicates that there is no circumstance in which the issuer will approve the transaction.
Recommended action: Do not retry. This corresponds to recommendation code 03.
| Response code | Description |
|---|---|
| Pick up card (no fraud) |
| Pick up card, special conditions |
| Invalid transaction |
| Invalid card number |
| No such issuer |
| Lost card – pick up |
| Stolen card – pick up |
| Closed account |
| Transaction not permitted to cardholder |
| Issuer initiated a stop payment (revocation order) for the authorization |
| Issuer initiated a stop payment (revocation order) for all authorizations |
This category of decline codes indicates that the issuer may approve the transaction, but cannot do so at that time.
Recommended action: Try again later. This corresponds to recommendation code 02.
| Response code | Description |
|---|---|
| Invalid merchant |
| Re-enter transaction |
| Insufficient funds |
| Suspected fraud |
| Exceeds withdrawal amount limit |
| Restricted card |
| Exceeds withdrawal frequency limit |
| Allowable PIN tries exceeded |
| Blocked card, first-time card usage |
| Issuer or switch is inoperative |
| Transaction cannot be completed |
| System malfunction |
This category of codes indicates the issuer cannot approve the transaction with the details provided.
Recommended action: Provide updated or additional information. This corresponds to recommendation code 01.
| Response code | Description |
|---|---|
| Expired card |
| Incorrect PIN |
| No security model |
| 3DS authentication required |
| Cardholder ID verification failed |
| Security violation |
This category contains all other Visa decline codes not listed on this page – many of which are not descriptive. You can retry the transaction.
Recommended action: Try again later. This corresponds to recommendation code 02.