Decline Code

Stolen cards are an unusual payment error returned by banks. This occurs when fraudsters test the validity of stolen cards on your site. It’s a hard decline, meaning you cannot retry the payment.

Restricted card refers to when transactions are refused because the card is reported lost or stolen. You can let the customer know and make it easy for them to enter a new card. It's a hard decline which means you cannot retry the payment.

Card Exceeded Decline refers to when transactions are refused because customers exceeds the balance or the transaction limit (# or $). You can let the customer know and make it easy for them to enter a new card. It's a hard decline which means merchants cannot retry the payment.

Generic Decline refers to when transactions are refused by banks or financial institutions. You can let the customer know and make it easy for them to enter a new card. It's a soft decline which means you can retry within certain limits.

Call Issuer refers to when transactions are refused by banks or financial institutions. The ask is to call the issuer. It's a soft decline.

The authentication_required code means the transaction needs more verification, usually through 3D Secure. Proper handling of this code can lead to successful transactions and improved security.