Stax Pay: Decline Codes

Receiving a decline message in your Stax Pay Platform is rare. However, it is important to know what type of decline codes or error messages you receive while processing.

Please use the table below for a reference of decline and error messages. If you require additional assistance, create a ticket with support, and include all pertinent information, including your Merchant ID and the error you are receiving.

Error Message

Description/Solution

This transaction has been declined.

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

DECLINE

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

The street address and zip/postal code do not match.

The issuing bank is reporting that the street address and zip/postal code that was entered does not match.

Verify that the customer's address matches what is recorded by the credit card's issuing bank.

CVV does not match.

INVALID CVV DATA

DECLINED DUE TO CCV2

The issuing bank is reporting that the CVV that was entered does not match. Verify the CVV with the customer's card.

Do Not Honor

A hard decline from the issuing bank. It could be for insufficient funds, met daily limit, etc. 

The credit card number is invalid.

Invalid CC Number

CARD NO. ERROR

The credit card number that was entered is not valid - 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 reports that the card does not have enough funds to cover the transaction. Enter a new payment method.

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

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

The credit card has expired.

The card is 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 the billing address of the cardholder.

Please verify the address with the customer. 

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.

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 the account.

TYPE NOT ALLOWED

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

Gateway Unreachable

The payment gateway is currently unavailable.

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

Pickup

The card has been reported as lost or stolen.

Expiry Date is invalid

The expiration date is invalid.

Unable to communicate with the payment system.

Communication error with the interface.

TERM ID ERROR

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

TSYS/Vital configuration is incorrect or no longer valid.

The 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 Stax support for assistance.

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.

NO ACCOUNT

The account number is invalid.

AUTH UNAVAIL

There is no 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.