Everything About Payment Processing

Response codes

In most cases transactions are authorized successfully, but it might happen that a transaction cannot be authorized, and the customer’s card is declined by the issuing bank or the payment processor. In this case you will receive a specific error code for a transaction with a particular customer. Sometimes this code seems to be ambiguous and requires more explanation.

Error code Name Explanation
3000 Do not honour The cardholder’s bank declined the payment for an unspecified reason. The customer should contact the bank and ask for the transaction to go through.
33333 3D Secure authorization failed The customer did not finish the 3D Secure authorization, did not enter a special security code, entered an invalid security code, or closed the authorization window too early.
3000 Not sufficient funds The customer did not have sufficient funds in his bank account to pay for the order.
3000 Transaction not permitted on card The customer’s bank does not permit the cardholder to pay for a particular product with his/her card. The customer should contact the bank for more information about the decline.
3000 Invalid card number The customer entered an invalid card number. If the same customer has made several failed attempts, it is possible that he/she is not a legitimate cardholder.
3000 N7 (Visa), decline, CVV2 failure This error code requires special attention. The customer entered an invalid CVV code. If the same customer has made even few failed attempts, it is possible that he/she is not a legitimate cardholder.
3000  Exceeds amount limit The transaction exceeds the withdrawal limit of the customer’s bank account. The customer should contact the bank to change the amount limit.
3000  Invalid transaction card/issuer/acquirer The submitted card is invalid or does not exist. The submitted card does not belong to an existing issuing bank.
3000 Expired card The customer’s card has already expired. The customer should use an alternative payment method.
3000 Restricted card The card issuing bank or the cardholder has placed some restrictions on the card. It is possible that the card is not accepted online. The cardholder should contact the bank for more information.
9999 Acquirer error The acquirer experienced an unspecified error. The customer should try again later.
3000  Pick up card The customer’s issuing bank declined the transaction. The card may be lost or stolen.
3000 Lost card, pick up card The customer’s issuing bank declined the transaction because the card was reported lost.
3000 Hot card, pick up This error code requires special attention. The customer’s issuing bank declined the transaction because the customer’s card has been reported stolen or lost. After receiving this error, the merchant should check subsequent transactions for any signs of fraud. 
3000 Special pickup The customer’s issuing bank declined the transaction because there is a problem with the card. It may be lost or stolen. After receiving this error, the merchant should check subsequent transactions for any signs of fraud.
3000 Retain card, no reason specified The cardholder’s bank declined the payment for an unspecified reason. After receiving this error, the merchant should check subsequent transactions for any signs of fraud.
3000 Invalid issuer The submitted card does not belong to an existing issuing bank, or there is a connectivity error with the issuer. The customer shoud check the card information and try again.
3000 Invalid account

The customer’s bank account does not exist, or the submitted card number is not associated with any bank account.

3000  Invalid life cycle of transaction  The transaction could not be fulfilled. 
3000 Switch not available This error indicates a temporary connection issue with your customer’s bank. The customer can try again later.
3100

Refer to card issuer

The customer’s issuing bank declined the transaction. The customer should contact his/her bank for more information.
6000 A configured rule is preventing this transaction to be processed This error indicates an issue with the configuration of your merchant account. You should contact us to resolve it.


Frequently Asked Questions

Useful Resources

Here you can find additional resources that may help you in the process and tell you more about payment processing.

  • Check our industries list and find out more information about what types of businesses can be accepted and what types are prohibited.
  • In order to start accepting card payments, you need to follow some requirements. We made them available to every online merchant.
  • Certain business types are not allowed to process card payments. Here you can find the list of prohibited business activities.
  • Follow our blog to get to know more about Cardinity, e-commerce and online payments as well as stay up to date with news from us.

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