Transaction Declined Messages

Below is a list of common transaction decline codes, their error messages, and recommended actions:

Approval Code	Error Message	Description / Action
04	Capture card (04)	Retain the card if possible and contact customer support for further instructions.
41	Lost card (41)	Retain the card if possible and contact customer support for further instructions.
43	Stolen card (43)	Retain the card if possible and contact customer support for further instructions.
51	Not sufficient funds (51)	The client must contact their bank.
54	Expired card (54)	Check the expiry date on the card: - If the date is in the future, retry the transaction. - If the date is in the past, return the card to the cardholder and advise them to contact their card issuer for renewal.
55	Incorrect PIN (55)	The entered PIN is incorrect.
57	Transaction not permitted by Issuer (57)	The client must contact their bank.
58	Transaction not permitted on terminal (58)	Check terminal settings or contact customer support.
61	Exceeds withdrawal limit (61)	The client must contact their bank.
62	Restricted card (62)	The client must contact their bank.
63	Security violation (63)	Security violation detected.
65	Exceeds withdrawal frequency (65)	The client must contact their bank.
75	PIN tries exceeded (75)	Too many incorrect PIN attempts. Advise the cardholder to contact their bank and use another payment method.
AF	Transaction is declined (AF)	Transaction declined / authentication error.
TR	Transaction is declined (TR)	Transaction declined / approved by Issuer, but terminal denied the transaction.
TR	Transaction is declined (TR-02)	Transaction declined / error during EMV command (card may have been removed).
TR	Transaction is declined (TR-11)	Transaction declined / approved by Issuer, but card denied the transaction.
CC	Transaction is declined (CC)	Transaction declined / customer cancellation.
EE	Transaction is declined (EE)	Transaction declined / encryption error.