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 code Processor error meaning
5 The processor has declined the transaction. The client must call the bank that issues the card.
7 The processor has declined the transaction because the merchant processing account type does not allow ACH transactions to be processed.
74 The client’s name is required to process the transaction.
98 The processor has declined the transaction, citing the reason that an unsupported card type is being used. Often caused by VISA debit cards.
200 This 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.
201 The processor has declined the transaction, citing the reason that the transaction should not be honored.
202 The processor has declined the transaction because the account used has insufficient funds.
203 The processor has declined the transaction because the account used is over its limit.
204 The processor has declined the transaction, citing the reason that the transaction is not allowed.
220 The 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.
221 The processor declined the transaction because no such card issuer exists.
222 The processor declined the transaction because there is no card number on file with issuer.
223 The processor declined the transaction because the card is expired.
224 The processor declined the transaction because the expiration date is invalid.
225 The processor declined the transaction because the card security code is invalid.
240 The processor declined the transaction. You must call issuer for further information.
250 The processor declined the transaction. You must take the card.
251 The processor declined the transaction, citing the reason that the card has been reported lost.
252 The processor declined the transaction, citing the reason that the card has been reported stolen.
253 The processor declined the transaction, citing the reason that the card is fraudulent.
260 The 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.
261 The transaction was declined. To process a transaction, you must stop all recurring payments.
262 The transaction was declined. To process a transaction, you must stop this recurring program.
263 The transaction was declined. To process a transaction, you must update cardholder data.
264 The transaction was declined. To process a transaction, you must retry in a few days.
300 This 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.
400 The processor encountered an error due to invalid province code.
410 The processor encountered an error due to invalid merchant configuration.
411 The processor encountered an error because the merchant account is inactive.
420 The processor encountered an error due to a communication error.
421 The processor encountered an error due to a communication error with the issuer.
430 The processor encountered an error because a duplicate transaction already exists.
440 The processor encountered a processor format error.
441 The processor encountered an error due to invalid transaction information.
460 The processor encountered an error because the processor feature not available.
461 The processor encountered an error due to an unsupported card type.
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