Appendix A: Common Decline Reasons

Decline	Reason
DR: Auth Amount : XX.00 Total : XX.00 Available Amount: Y.00 ==> Decline!	The cardholder does not have sufficient funds to cover the transaction amount.
DR: Card expiry check failed with Emboss Expiry date (DE014)	The expiry date entered by the cardholder does not match the expiry date of the card.
DR: Exceeds Max Per Transaction limit	The attempted transaction amount exceeded the limit per single transaction amount for the card/product.
DR: Incorrect PIN	The cardholder entered an incorrect PIN.
DR: Declined due to Lost Card (Capture) (Original auth resp status 41, changed to 05)	The card’s status was changed to “Lost Card (Capture)” and the card can no longer be used.
DR: Declined due to CardUsageGroupCheck GroupUsageID-42 [Card Acceptance Method (A) - Card Not Present - E-Commerce - Failed]	The card/product is not permitted to be used for ecommerce transactions.
DR: Declined due to CardUsageGroupCheck GroupUsageID-476 [Card Acceptance Method (A) - Chip PAN Entry - Signature Verification - Failed]	The card/product is not permitted to be used for signature verification authorisations.
Card CVV2 not matching with cvv2 in auth request	The CVV value entered by the cardholder is not matching the CVV value of the card.
DR: Declined due to voided card (Original auth resp status 99, changed to 05)	The status of the card was changed to “Card Voided” and the card can no longer be used for authorisations.
DR: Declined due to GroupMCCCheck	The card/product is not permitted to use this type of merchant (MCC = Merchant Category Code).

DR: Auth Amount : XX.00 Total : XX.00 Available Amount: Y.00 ==> Decline!

The cardholder does not have sufficient funds to cover the transaction amount.

DR: Card expiry check failed with Emboss Expiry date (DE014)

The expiry date entered by the cardholder does not match the expiry date of the card.

DR: Exceeds Max Per Transaction limit

The attempted transaction amount exceeded the limit per single transaction amount for the card/product.

DR: Incorrect PIN

The cardholder entered an incorrect PIN.

DR: Declined due to Lost Card (Capture) (Original auth resp status 41, changed to 05)

The card’s status was changed to “Lost Card (Capture)” and the card can no longer be used.

DR: Declined due to CardUsageGroupCheck GroupUsageID-42 [Card Acceptance Method (A) - Card Not Present - E-Commerce - Failed]

The card/product is not permitted to be used for ecommerce transactions.

DR: Declined due to CardUsageGroupCheck GroupUsageID-476 [Card Acceptance Method (A) - Chip PAN Entry - Signature Verification - Failed]

The card/product is not permitted to be used for signature verification authorisations.

Card CVV2 not matching with cvv2 in auth request

The CVV value entered by the cardholder is not matching the CVV value of the card.

DR: Declined due to voided card (Original auth resp status 99, changed to 05)

The status of the card was changed to “Card Voided” and the card can no longer be used for authorisations.

DR: Declined due to GroupMCCCheck

The card/product is not permitted to use this type of merchant (MCC = Merchant Category Code).