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