Card decline errors

To understand why a card payment was declined, look at the processor_response object in the Orders API response for the:

• response_code
• avs_code
• cvv_code

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