Credit Card Decline Codes are standardized response codes provided by card issuers and payment processors to explain why a transaction was rejected, helping merchants and customers understand and resolve payment issues.
Common Categories
- Insufficient funds
- Card restrictions
- Security concerns
- Technical issues
- Processing errors
Response Types
- Hard declines
- Soft declines
- Technical declines
- Risk declines
- Verification fails
Usage Areas
- Payment processing
- Error handling
- Risk assessment
- Customer service
- Fraud prevention
Resolution Steps
- Code interpretation
- Customer contact
- Payment retry
- Alternative payment
- Issue resolution
Best Practices
- Clear communication
- Quick response
- Alternative options
- Documentation
- Staff training
Understanding decline codes helps optimize payment success rates and customer experience.