25
Transaction Declined codes
Code
Transaction
status
Description Action required
201 Declined Expired card Merchant to seek another form of payment. Cardholder should contact their
bank for details.
202 Declined Suspected fraud Merchant to seek another form of payment. Cardholder should contact their
bank to check out their card.
203 Declined Card acceptor - contact
acquirer
Merchant to seek another form of payment. Cardholder should contact their
bank for details.
204 Declined Restricted card Merchant to seek another form of payment. Cardholder should contact their
bank for details.
205 Declined Card acceptor - contact
acquirer security
Merchant to seek another form of payment. Cardholder should contact their
bank for details.
206 Declined Exceed PIN tries Advise merchant to seek another form of payment. Cardholder should
contact their bank for details.
207 Declined Pick up card. Special
condition
Merchant to remove card from customer and contact the issuing bank. This
should only be done if it is safe to do so.
If not, they need to try and obtain the card # and contact the issuing Bank.
208 Declined Pick-up lost card Merchant to remove card from customer and contact the issuing bank. This
should only be done if it is safe to do so.
If not, they need to try and obtain the card # and contact the issuer.
209 Declined Pick-up stolen card Merchant to remove card from customer and contact the issuing bank. This
only be done if it is safe to do so. If not they need to try and obtain the
card # and contact the issuer. If they believe fraud is taking place merchant
should also contact the police.
301 Declined File up not supported by
receiver
Advise merchant to seek another form of payment. Cardholder should
contact their bank for details.
302 Declined No record on file Advise merchant to seek another form of payment. Cardholder should
contact their bank for details.
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