Card decline errors
To understand why a card payment was declined, look at the processor_response object in the Orders API response for the:
AVS error response codes
AVS response codes for Visa, Mastercard, Discover, and American Express
| AVS code |
Meaning |
Matched details |
A |
Address |
Address only (no ZIP code) |
B |
International "A" |
Address only (no ZIP code) |
C |
International "N" |
None
Note: The transaction is declined.
|
D |
International "X" |
Address and Postal Code |
E |
Not allowed for MOTO (Internet/Phone) transactions |
Not applicable
Note: The transaction is declined.
|
F |
UK-specific "X" |
Address and Postal Code |
G |
Global Unavailable |
Not applicable |
I |
International Unavailable |
Not applicable |
M |
Address |
Address and Postal Code |
N |
No |
None
Note: The transaction is declined.
|
P |
Postal (International "Z") |
Postal Code only (no Address) |
R |
Retry |
Not applicable |
S |
Service not Supported |
Not applicable |
U |
Unavailable |
Not applicable |
W |
Whole ZIP |
Nine-digit ZIP code (no Address) |
X |
Exact match |
Address and nine-digit ZIP code |
Y |
Yes |
Address and five-digit ZIP |
Z |
ZIP |
Five-digit ZIP code (no Address) |
| All others |
Error |
Not applicable |
AVS response codes for Maestro
| AVS code |
Meaning |
Matched details |
0 |
All the address information matched. |
All information matched |
1 |
None of the address information matched. |
None
Note: The transaction is declined.
|
2 |
Part of the address information matched. |
Partial |
3 |
The merchant did not provide AVS information. Not processed. |
Not applicable |
4, U
Note: Either a number or a letter is returned. |
Address not checked, or acquirer had no response. Service not available. |
Not applicable |
Null |
No AVS response was obtained. Default value of field. |
Not applicable |
CVV error response codes
CVV2 response codes for Visa, Mastercard, Discover, and American Express
| CVV2 code |
Meaning |
Matched details |
E |
Error - Unrecognized or Unknown response |
Not applicable |
I |
Invalid or Null |
Not applicable |
M |
Match |
CVV2 / CSC |
N |
No match |
None |
P |
Not processed |
Not applicable |
S |
Service not supported |
Not applicable |
U |
Unknown - Issuer is not certified |
Not applicable |
X |
No response |
Not applicable |
| All others |
Error |
Not applicable |
CVV2 response codes for Maestro
| CVV2 code |
Meaning |
Matched details |
0 |
Matched |
CVV2 |
1 |
No match |
None |
2 |
The merchant has not implemented CVV2 code handling |
Not applicable |
3 |
Merchant has indicated that CVV2 is not present on card |
Not applicable |
4, X
Note: Either a number or a letter is returned. |
Service not available |
Not applicable |
| All others |
Error |
Not applicable |
