Common Merchant Account Response Codes

Sometimes processing credit cards can fail and donor transactions are declined. There are various reasons why this can happen. The Cardpointe response codes for these transactions can sometimes be vague; however, some of the response codes are explicit. For example, if it says "Declined", possibly the donor had insufficient funds for a debit card or insufficient credit limit for a credit card.

These are the most common reasons for a credit card transaction decline:

• Insufficient funds for a debit card or checking account.
• The insufficient credit limit for a credit card.
• The credit card account will not allow "card not present" transactions.
• The cardholder's bank sees a discrepancy between the donor's address and the one on file with the bank.
• The account number was entered incorrectly.
• The expiration date was entered incorrectly.
• The card has expired.
• CVV code was entered incorrectly.
• Your Merchant Services account was incorrectly configured.
• The card was reported lost or stolen.

Common Response Codes