This article gives some more information on common transaction declined status codes and reasons, to help understand why transactions have not been successful
Some steps to understand why a payment has failed
- Look at the payment type (summary of payment types given below)
- Check the return / reason code
- View this article to see why the transaction may have failed
Click on the transaction and view the "summary" information, to find the return code.
Please note that these reasons may not always be 100% applicable. This is based on majority of cases seen, for the respective return code - Download the Full List of Available Return Codes (000.000.000 to 999.999.999) at the bottom of this article.
Return codes and typical explanation of failures
CODE | REASON | EXPLANATION | WHAT TO TELL YOUR CUSTOMER / PAYER |
800.100.152 | Transaction declined by authorization system |
for reason 4 : Some quick checks you can do :
| Your transaction was declined for one of the following reasons:
Please contact your bank, as further detail onthe reason for the failed transaction can only be communicated/explained to a customer by the customer's bank. This information is privy only to customer and his/her bank. |
100.380.401 | User Authentication Failed | Incorrect OTP. This return code signifies that the bank's system was unable to authenticate the user | Your transaction failed due to the OTP details either:
Therefore your bank was unable to successfully authenticate you and process the transaction. Please try again or contact your bank to find out if there is an issue with OTP system |
100.396.103 | Previously pending transaction timed out | The registration transaction (RG) was not authenticated and timed out. The debit references the registration token and hence this may also fail. | See explanation for 800.100.152 |
100.380.501 | Risk management transaction timeout | The customer probably did not enter their OTP or possibly did not get shown the 3Dsecure page because something on the customer's browser was blocking the 3DSecure page from loading:
See here for more technical explanation. NB - We can't know upfront if the card is enabled for 3D Secure. |
Please try again if you know your bank card is activated for online transactions or contact your bank. |
100.390.112 | Technical Error in 3D system | This occurs when there is an error with the 3DSecure process at the bank. It could be that their 3DSecure system was down at the time. | |
100.100.101 | invalid creditcard, bank account number or bank name | See suggested response to the right | Please note that your transaction failed due to either:
Please try again and/or contact your bank. |
100.100.700 | invalid cc number/brand combination | If this happens it usually means that your customer is entering in all the digits found on the reverse side of their card. However they only need to enter the last few digits:
Clearly specify to customers during the checkout phase how many digits they should enter in the CVV/CVC field Suggestion: Add an image of what a CVV no. is if you receive this return code frequently) | Please note that your transaction failed due to either:
Please provide the following information for further assistance:
|
800.100.153 | transaction declined (invalid CVV) | Card might not be enabled for Online Transactions or customer is using the wrong numbers/doesn’t know what a CVV number is. We can't know exactly what the issue so see suggested answer to the right | Please note that your transaction has been declined due to either:
If you entered your CVV correctly and still had your transaction declined please contact your bank and inform them that you are unable to make E Commerce transactions. |
800.100.169 | transaction declined (card type is not processed by the authorization center) | See suggested response to the right. | Transaction failed due to either:
Please try again if you know your bank card is activated for online transactions or contact your bank for further assistance. |