If your card payment fails, you’ll see an error code against the invoice. Match the error code below to understand why the payment failed and what to do next.
This guide explains each card payment error, what it means for you, and the recommended next steps.
Error Code: 1
Message
Payment declined – Your bank declined this payment. Please pay with Pay by Bank instead, try another payment card, or contact your bank for help.
Why this happens
The card issuer refused the transaction.
Next steps
-
Contact your bank for clarification
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Retry the payment or use another card or payment method
Error Code: 2
Message
Payment declined – Your bank declined this payment. Please pay with Pay by Bank instead, try another payment card, or contact your bank for help.
Why this happens
The card issuer refused the transaction.
Next steps
-
Contact your bank for clarification
-
Retry the payment or use another card or payment method
Error Code: 3
Message
Payment unsuccessful – This payment was declined because there was an issue with the merchant's card payment service. Please pay with Pay by Bank instead.
Why this happens
There was an issue with the merchant's card payment service.
Next steps
-
Contact your bank for clarification
-
Please use an alternative payment method
Error Code: 4
Message
Card declined – Your bank has requested that the merchant retains your card. Please contact your bank for more information.
Why this happens
The card issuer has requested the card be returned.
Next steps
-
Contact your bank for clarification
-
Please use an alternative payment method
Error Code: 5
Message
Card declined – Your bank declined this payment. Please try another payment method or contact your bank for help.
Why this happens
The card issuer has declined the transaction.
Next steps
-
Contact your bank for clarification
-
Please use an alternative payment method
Error Code: 6
Message
Something went wrong – Sorry, this payment was unsuccessful due to a technical issue with your bank. Please try again later, or use another payment method.
Why this happens
A temporary or unknown bank-side error occurred.
Next steps
-
Contact your bank for clarification
-
Retry the payment or use another card or payment method
Error Code: 7
Message
Payment declined – Your bank has declined this payment due to suspicious activity on your account. Please contact your bank right away for more information.
Why this happens
The card issuer wants the card to be returned due to suspicious activity on the account.
Next steps
Please contact your bank immediately.
Error Code: 12
Merchant message
This card isn’t authorised for this type of transaction. Please ask the customer to try another payment method.
Customer-facing message
Payment declined – Your card can’t be used for this type of transaction. Please try another card or use a different payment method to complete your purchase.
Why this happens
The card is not authorised for this type of transaction.
Next steps
-
Contact your bank for clarification
-
Please try another card or a different payment method
Error Code: 13
Message
Invalid amount – It looks like the payment amount entered isn’t valid. Please check the amount and try again.
Why this happens
The card is not authorised for this type of transaction or the amount format is invalid and contains non-numeric characters.
Next steps
-
Contact the merchant to confirm that the payment amount was entered correctly
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If the issue continues, try paying again using a different card or payment method
Error Code: 14
Message
Invalid card number – It looks like the card number you entered isn’t correct. Please double-check your details and try again, or use a different payment method.
Why this happens
The card details entered were incorrect, such as an invalid or mistyped card number.
Next steps
-
Double-check your card details and try again
-
If the issue continues, use another card or payment method
Error Code: 15
Message
Invalid card details – Please check your card number and try again, or use a different payment method.
Why this happens
The card details entered were invalid.
Next steps
-
Double-check your card details and try again
-
If the issue continues, use another card or payment method
Error Code: 17
Message
Transaction cancelled – You’ve successfully cancelled this transaction. No funds have been taken.
Why this happens
The payment was cancelled by the customer before it could be completed.
Next steps
-
Please retry the payment when you’re ready
-
If needed, try using a different card or payment method
Error Code: 19
Message
Something went wrong – Sorry, this payment was unsuccessful due to a technical issue with your bank. Please try again later, or use another payment method.
Why this happens
The payment failed due to a temporary technical issue with your bank.
Next steps
-
Please try making the payment again
-
If the issue continues, use a different card or payment method
Error Code: 41
Message
Payment declined – Your bank declined this payment because your card has been reported lost. The merchant has been instructed to retain your card by your bank. Please contact your bank for assistance and use a different payment method.
Why this happens
The card issuer has marked the card as lost and requested that it be returned.
Next steps
-
Contact your bank immediately for assistance
-
Please use a different card or payment method to complete the payment
Error Code: 42
Message
Payment declined – Your bank declined this payment because your card has been reported stolen. Please contact your bank for assistance.
Why this happens
The card issuer has marked the card as stolen and requested that it be returned.
Next steps
Please contact your bank immediately for assistance.
Error Code: 43
Message
Payment declined – Your bank declined this payment because your card has been reported stolen. Please contact your bank for assistance.
Why this happens
The card issuer has marked the card as stolen and requested that it be returned.
Next steps
Please contact your bank immediately for assistance.
Error Code: 46
Message
Payment declined – Your bank declined this payment because the bank account linked to this card is closed. Please use a different card or payment method.
Why this happens
The bank account linked to the card has been closed by the issuing bank.
Next steps
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Contact your bank for more information
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Use a different card or payment method to complete the payment
Error Code: 50
Message
Payment failed – Your payment couldn’t be completed due to a timeout or incorrect password. Please try again.
Why this happens
The payment timed out or the password entered was incorrect during authentication.
Next steps
-
Please try making the payment again
-
If the issue continues, use a different card or payment method
Error Code: 51
Message
Payment declined – Your bank declined this payment due to insufficient funds. Please make payment using a different card.
Why this happens
The transaction amount exceeded the available balance or limit on the card.
Next steps
Please add funds to this account or try using a different card or payment method.
Error Code: 54
Message
Payment declined – Your bank declined the payment because your card has expired. Please use a different card or payment method to continue.
Why this happens
The card is expired and is no longer valid.
Next steps
-
Please use a different card or payment method
-
Contact your card issuer if you believe this is incorrect
Error Code: 56
Message
Invalid card details – It looks like you’ve entered incorrect card details. Please double-check your card details and try again.
Why this happens
The payment failed because the card details entered were incorrect or incomplete.
Next steps
-
Double-check your card details and try again
-
If the issue continues, use another card or payment method
Error Code: 57
Message
Payment declined – Your card can’t be used for this type of transaction. Please contact your bank for more information or use a different card or payment method.
Why this happens
The card is not authorised for this type of transaction.
Next steps
-
Contact your bank for clarification
-
Please try another card or a different payment method
Error Code: 58
Message
Payment declined – This payment couldn’t be completed due to a technical issue. Please try again later or use a different payment method.
Why this happens
The card terminal or acquiring setup is not authorised for this type of transaction.
Next steps
-
Contact your bank for clarification
-
Please try another card or a different payment method
Error Code: 59
Message
Payment declined – Your bank declined this payment due to suspicious activity on the account. Please contact your bank for help or use a different payment method to continue.
Why this happens
The card issuer detected suspicious activity and declined the transaction.
Next steps
-
Contact your bank immediately for clarification
-
Please try another card or a different payment method
Error Code: 61
Message
Payment declined – Your bank declined this payment because it exceeds your card’s payment limit. Please use a different card or payment method.
Why this happens
The transaction amount exceeded the card’s payment limit.
Next steps
-
Check your card limits with your bank
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Please add funds to this account or try using a different card or payment method
Error Code: 62
Message
Payment declined – This card can’t be used for payments in the merchant's registered geographic region. Please try a different card or payment method.
Why this happens
The card is restricted for use in the merchant’s registered geographic region.
Next steps
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Contact your bank to check regional restrictions
-
Please try another card or a different payment method
Error Code: 63
Message
Payment failed – It seems like you’ve entered an incorrect CVV code (the three digits on the back of your card). Please check your card details and try again, or use a different payment method.
Why this happens
The CVV (the three digits on the back of your card) entered was incorrect.
Next steps
-
Please double-check the CVV and retry the payment
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Please try another card or a different payment method if needed
Error Code: 65
Message
Payment failed – We couldn’t verify your card details. Please check your card details and try again, or use a different payment method.
Why this happens
The payment could not be verified, often because 3DS authentication was not completed.
Next steps
-
Complete any authentication steps shown by your bank
-
Please use a different card or payment method if the issue persists
Error Code: 70
Message
Payment failed – It seems like you've entered the wrong PIN. Please try again, or contact your bank if the issue persists.
Why this happens
The PIN entered was incorrect or the card issuer requires further verification.
Next steps
-
Please try again and enter your PIN
-
Contact your bank if the issue persists
Error Code: 75
Message
Payment declined – You’ve reached the maximum number of incorrect PIN attempts. Please use a different card or payment method to complete your payment.
Why this happens
The maximum number of incorrect PIN attempts has been reached.
Next steps
-
Please contact your bank to reset your PIN
-
Use another card or a different payment method to complete the payment
Error Code: 78
Message
Card not activated – It looks like your card is new and hasn’t been activated yet. Please complete your card activation with your bank or use a different payment method to continue.
Why this happens
The card is new and has not yet been activated.
Next steps
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Activate your card using your bank’s instructions, then retry the payment
-
Please use a different card or payment method if necessary
Error Code: 83
Message
Payment declined – Your bank declined this payment due to a possible security issue. Please contact your bank for help or use a different payment method to continue.
Why this happens
The card issuer detected suspicious activity and declined the transaction.
Next steps
-
Contact your bank to confirm the transaction
-
Retry the payment or use a different payment method once resolved
Error Code: 91
Message
Payment unsuccessful – This payment failed due to a technical issue with your bank. Please use a different card or payment method to continue.
Why this happens
The issuing bank was temporarily unavailable to process the payment.
Next steps
-
Please retry the payment after some time
-
Use a different card or payment method if needed
Error Code: 93
Message
Payment unsuccessful – This payment failed due to an issue with your account. Please contact your bank for help or use a different payment method.
Why this happens
There is an issue with the your bank account that prevented the payment from being completed.
Next steps
-
Please contact your bank for more information
-
Retry the payment or use a different payment method
Error Code: 94
Message
Something went wrong – Sorry, this payment was unsuccessful due to a technical issue with your bank. Please try again later, or use another payment method.
Why this happens
A duplicate payment request was detected by the card network.
Next steps
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Wait a moment and try the payment again
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Use a different payment method if the issue continues
Error Code: 96
Message
Payment unsuccessful – This payment failed because your bank’s network was temporarily unavailable. Please try again later or use a different payment method.
Why this happens
The issuing bank’s systems were temporarily unavailable.
Next steps
-
Please retry the payment after some time
-
Use a different card or payment method if the issue continues
Error Code: nan
Message
Card type not supported – This card type isn’t supported. Please use a Visa or Mastercard, or try a different payment method.
Why this happens
The card type used is not supported by the card payment network.
Next steps
-
Please use a Visa or Mastercard to retry the payment
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Choose a different payment method if needed
Can’t find your error code here? Please contact us at help@paywithatoa.co.uk.