A card transaction may be declined due to various reasons. This table explains each decline reason and the action items you can take to resolve it.
| Remarks | Description | Action Item |
| Payment failed |
3DS failed or the user abandoned the 3DS auth
|
Ask the user to contact the issuer bank to understand the 3DS failure reason
|
| <Blanks> | ||
| Authentication abandoned | ||
| Authentication failure | ||
| Suspected Fraud |
The issuer declined the transaction due to risk reasons. Sometimes issuers also decline transactions for overseas merchants with this as a generic error code
|
Contact the issuer or retry with a different card
|
| Fraud | ||
| Declined - Do Not Honour | ||
| Do not honour | ||
| Fraud/Security related reasons | ||
| Transaction Cannot be Completed | ||
| Fraud | ||
| Insufficient Funds |
Insufficient funds in Cardholder Account / Transaction exceeded card limits
|
Ask the buyer to retry with another card with sufficient balance/limits
|
| Insufficient funds/over the credit limit | ||
| Exceeds Withdrawal Value/Amount Limits | ||
| Exceeds withdrawal amount limit | ||
| Security | The issuer declined the transaction due to a security violation | Ask the buyer to contact the issuer |
| Policy | The issuer has declined the transaction for undisclosed policy reasons. Retrying the transaction is unlikely to result in success | We recommend that the buyer contacts their issuing bank to discuss the declined transaction for policy reasons. Please advise them to reach out to their bank before attempting the transaction again. |
| Risk Blocked Transaction | Risk decline e.g due to velocity rules | Contact Omoney if different rules need to be configured |
| Decline for CVV2 Failure |
Incorrect CVV
|
Ask the buyer to retry with the correct CVV
|
| invalid cvc | ||
| Blocked, first used-transaction from new cardholder | Card Blocked | Payment has been declined by the issuer, ask the buyer to contact the issuer |
| Transaction not Permitted to Cardholder |
Card not allowed on this merchant/vertical
|
Contact the issuer or try with a different card
|
| Invalid merchant | ||
| Expired card | Card Expired | Ask the buyer to use a valid card or enter the correct expiry date |
| Invalid Transaction | Technical error | Raise this with the Omoney tech team |
| Closed Account | Card holder account is closed/blocked/invalid | Ask the buyer to contact the issuer |
| Restricted Card | Card not allowed for the merchant /vertical/ country | Ask the buyer to use a different card |
| Previously declined do not retry | Card has been declined due to excessive re-tries | Ask the buyer to use a different card |