Testing Declines
Introduction
You can test card payment declines by using the cardnumber 4000000000000002 and a payment amount that correlates to a specific decline code. The following table shows the decline codes and the corresponding payment amounts:
Decline Codes
| Amount | Code | Description |
|---|---|---|
| 1.01 | 101 | Issuer Unavailable |
| 1.02 | 102 | Re-submit Transaction |
| 1.10 | 110 | Insufficient Funds |
| 1.12 | 112 | Insufficient Funds. Retry after 1 hour. |
| 1.13 | 113 | Insufficient Funds. Retry after 24 hours. |
| 1.14 | 114 | Insufficient Funds. Retry after 2 days. |
| 1.15 | 115 | Insufficient Funds. Retry after 4 days.. |
| 1.16 | 116 | Insufficient Funds. Retry after 6 days. |
| 1.17 | 117 | Insufficient Funds. Retry after 8 days. |
| 1.18 | 118 | Insufficient Funds. Retry after 10 days. |
| 1.27 | 127 | Exceeds Approval Amount Limit |
| 1.48 | 148 | Invalid or expired card; contact cardholder to update |
| 1.49 | 149 | Invalid transaction or card restriction; verify information and resubmit |
| 2.06 | 206 | Issuer Generated Error |
| 2.18 | 218 | Card Not Active |
| 3.01 | 301 | Invalid Account Number |
| 3.03 | 303 | Pick Up Card |
| 3.04 | 304 | Lost/Stolen Card |
| 3.05 | 305 | Expired Card |
| 3.07 | 307 | Restricted Card |
| 3.10 | 310 | Invalid track data |
| 3.21 | 321 | Invalid Merchant |
| 3.22 | 322 | Invalid Transaction |
| 3.23 | 323 | No such issuer |
| 3.27 | 327 | Cardholder transaction not permitted |
| 3.28 | 328 | Cardholder requested that recurring or installment payment be stopped |
| 3.49 | 349 | Do Not Honor |
| 3.50 | 350 | Generic Decline |
| 3.52 | 352 | Decline CVV2/CID Fail |
| 5.01 | 501 | The account was closed |
| 5.55 | 555 | Suspected Fraud |
| 6.52 | 652 | Decline - Re-try Transaction |
| 6.56 | 656 | Decline - Exceeds Withdrawal Frequency Limit |