Omni Virtual Terminal : Decline Codes

Receiving a decline message in your Omni Virtual Terminal may be rare, however, it's important to know what type of decline codes or error messages you may receive while processing.

Please use the table below for reference of decline and error messages - if you require additional assistance, please enter a ticket with support, and be sure to include all pertinent information, including your MID, and the error you are receiving.

This transaction has been declined.

Hard Decline from the issuing bank. Could be for insufficient funds, met daily limit, etc

DECLINE

Hard Decline from the issuing bank. Could be for insufficient funds, met daily limit, etc.

Street address and postal code do not match.

The issuing bank is reporting that the street address and postal code that were entered do not match.

CVV does not match.

The issuing bank is reporting that the CVV that was entered does not match.

Do Not Honor

Hard Decline from the issuing bank. Could be for insufficient funds, met daily limit, etc.

The credit card number is invalid.

The credit card number that was entered is not a valid card number - please confirm the number with the cardholder.

Max attempts exceeded. A previous charge was recently successful. Please review and if necessary you can try again in five minutes.

Please wait 5 minutes before processing a transaction on the same card for the same amount.

Insufficient Funds

The issuing bank is reporting that the card does not have enough funds to cover the transaction.

Unable to process the transaction because the payment method has been redacted.

A payment method is no longer associated to the transaction - please enter a new payment method.

Max attempts exceeded. A previous charge was recently successful. Please review and if necessary you can try again in ten minutes.

Please wait 5 minutes before processing a transaction on the same card for the same amount.

The credit card has expired.

The credit card has expired - please enter a new payment method.

The transaction has been declined because of an AVS mismatch. The address provided does not match billing address of cardholder.

The issuing bank is reporting a mismatch with the address that was entered. Please enter the correct address.

HOLD-CALL

Merchant to keep the card. There is a problem with the card. Call the number on the back of the card to determine the issue.

Invalid CC Number

The credit card number that was entered is not a valid card number - please confirm the number with the cardholder.

CARD NO. ERROR

The credit card number that was entered is not a valid card number - please confirm the number with the cardholder.

MANDATORY FIELD MISSING:billing_address.first_name

Please enter a first and last name as it appears on the card.

User authentication failed due to invalid authentication values.

The codes for the gateway no longer match the codes in the interface - please contact support.

DAILY TRANSACTION LIMIT EXCEEDED

The daily ACH transaction limit has been met for account.

INVALID CVV DATA

The CVV that was entered does not match, please enter the correct CVV information.

TYPE NOT ALLOWED

This type of transaction is not allowed - please contact support.

Gateway Unreachable

The gateway is experiencing connection issues - please try again later.

The transaction cannot be found.

The transaction cannot be found.

ACH transactions are not accepted by this merchant.

The account has not been set up for ACH transactions.

An error occurred during processing. Please try again.

The platform lost connection to the gateway.

Lost/Stolen

The card has been reported as lost or stolen.

Expiry Date is invalid

The expiration date is invalid.

Card is expired.

The card has expired.

DECLINED DUE TO CCV2

CVV mismatch.

Unable to communicate with the payment system.

Communication error with the interface.

Pickup

Card reported lost or stolen.

TERM ID ERROR

TSYS/Vital configuration is incorrect.

Transaction total exceeds the transaction limit for this account. Please contact us if you would like to increase this.

The transaction that is trying to process is over the approved limit for your account. Please reach out to Fattmerchant support for assistance.

The VITAL identification numbers are incorrect. Call Merchant Service Provider.

Configuration with TSYS/Vital is no longer valid.

Using a live Authorize.net account in Test Mode is not permitted.

The gateway is in test mode - the account needs to be in live mode to process a transaction.

User authentication failed. The account or API user is inactive.

The codes for the gateway no longer match the codes in the interface - please contact support.

The payment gateway is currently unavailable.

The gateway is having connection issues.

NO ACCOUNT

The account number is invalid.

AUTH UNAVAIL

There is not an authorization available for this transaction.

 

If you have any further questions or need additional assistance, you can email our Support Team at support@fattmerchant.com.