Worldpay Payment Transaction Error Codes

Last updated: April 14, 2026

A complete reference for response codes returned by Worldpay when processing payment transactions. Use this guide to understand what each code means and what action to take.

Response codes appear in the <response> element and messages appear in the <message> element of the Worldpay API response.

How to Read This Guide

Each error code includes a Response Type that tells you how to handle it:

Approved — Transaction succeeded. No action needed.
Soft Decline — Temporary issue. You can retry the transaction.
Hard Decline — Permanent issue. Do not retry without resolving the underlying problem.
Referral — Contact the issuing bank or card network for more information.
Info — Informational response only; no action required.

Approved / Informational Responses

Code	Message	Type	What It Means
000	Approved	Approved	Transaction was approved. No action required.
001	Transaction Received	Info	Acknowledges receipt of a submitted transaction (V10.x API only).
010	Partially Approved	Approved	The authorized amount is less than the requested amount. Collect the remaining balance via another payment method.
011	Offline Approval	Approved	Offline approval issued while the terminal cannot reach the issuer.
013	Offline Approval (unable to go online)	Approved	Offline approval issued while the terminal cannot reach the issuer.
014	Inquiry Successful	Info	Payment status inquiry was successful.
015	Pending Shopper Checkout Completion	Info	BNPL transaction pending — waiting for shopper to complete checkout.
016	Shopper Checkout Expired	Info	Consumer did not complete the BNPL checkout in time. Submit a new BNPLAuthorizationRequest to retry.
141	Consumer non-reloadable prepaid card, Approved	Approved	Non-reloadable prepaid card; transaction approved (MAC code 40).
142	Consumer single-use virtual card number, Approved	Approved	Single-use virtual card; transaction approved (MAC code 41).
150	Original transaction found	Info	Query response — the original transaction was found.
151	Original transaction not found	Info	Query response — the original transaction was not found.
152	Original transaction found, response not yet available	Info	Query response — original transaction found but final response is pending.
153	Query transaction not enabled	Info	Your account is not enabled for Query transactions.
470	Approved - Recurring Subscription Created	Approved	Recurring subscription was created successfully.
473	Scheduled Recurring Payment Processed	Approved	Scheduled recurring payment processed successfully.
801	Account number successfully registered	Approved	Card number registered and token returned.
802	Account number previously registered	Approved	Card number was already registered for tokenization.
803	Valid Token	Approved	The token is valid.
805	Card Validation Number Updated	Approved	Stored CVV2/CVC2/CID updated successfully.

Network & System Errors (Soft Declines — Retry)

These indicate temporary issues with the processing network or system. You can retry the transaction.

Code	Message	What to Do
100	Processing Network Unavailable	Contact the card/PINless Debit network for more info.
101	Issuer Unavailable	Contact the issuing bank.
102	Re-submit Transaction	Temporary issue — resubmit the transaction.
103	Merchant not configured for this site	You submitted to a Hot-Hot URL but aren't configured for multi-site processing.
108	Try again later	Transitory communication issue. Retry later.
206	Issuer Generated Error	Unspecified issuer error. Retry, and if it persists, contact the issuing bank.
258	System Error (cannot process)	System error — try again later.
370	Internal System Error - Call Vantiv	Contact your Relationship Manager.
386	Processing Network Error	Issues communicating with SEPA Direct Debit network. Retry.
560	System Error	Contact your Worldpay Relationship Manager.
944	Processing Error	Retry the transaction.

Insufficient Funds (Soft Declines)

The card doesn't have enough funds. You can retry after the specified wait time.

Code	Message	Retry After
110	Insufficient Funds	Immediately or later
112	Insufficient Funds	1 hour
113	Insufficient Funds	24 hours
114	Insufficient Funds	2 days
115	Insufficient Funds	4 days
116	Insufficient Funds	6 days
117	Insufficient Funds	8 days
118	Insufficient Funds	10 days

Card Issues — Soft Declines (Retry or Contact Cardholder)

Code	Message	What to Do
120	Call Issuer	Contact the issuing bank.
127	Exceeds Approval Amount Limit	Transaction exceeds daily approval limit for the card.
131	Unacceptable PIN - Retry	Confirm the PIN and retry.
132	PIN not changed	PIN did not change. Retry.
137	Multi-use virtual card, Soft Decline	Mastercard identified this as a multi-use virtual card (MAC code 43).
138	Non-reloadable prepaid card, Soft Decline	Non-reloadable prepaid card (MAC code 40).
139	Single-use virtual card, Soft Decline	Single-use virtual card (MAC code 41).
148	Invalid or expired card	Contact cardholder to update card information.
149	Invalid transaction or card restriction	Verify information and resubmit.
218	Card Not Active	The card has not been activated.
305	Expired Card	Card is expired. Contact cardholder for updated info.
307	Restricted Card	Card has a restriction. Contact the issuing bank.
321	Invalid Merchant	Card not allowed for purchases from this merchant type.
324	Invalid Pin	PIN is invalid.
325	Transaction not allowed at terminal	Contact the issuing bank.
337	Transaction did not convert to Pinless	Retry the transaction.
349	Do Not Honor	Issuing bank has a temporary hold on the card.
350	Generic Decline	Contact the issuing bank for details. May be soft or hard depending on context.
352	Decline CVV2/CID Fail	CVV2/CID is invalid.
555	Suspected Fraud	Issuing bank declined as suspected fraud.
565	Transaction not supported by issuer	Issuing bank does not support this transaction type.
566	Blocked by cardholder	Cardholder blocked this transaction. Contact cardholder.
980	Customer Authentication Required	Transaction requires customer authentication (e.g., 3DS).

Card Issues — Hard Declines (Do Not Retry)

Code	Message	What to Do
111	Authorization amount depleted	Total authorization amount has been used.
207	Pickup card - Other than Lost/Stolen	Remove gift card from use.
209	Invalid Amount	Amount is invalid for this transaction.
213	Pickup Card - Lost Card	Card reported lost. Remove from use.
214	Pickup Card - Stolen Card	Card reported stolen. Remove from use.
226	Incorrect CVV	Declined due to incorrect security code.
251	Duplicate Transaction	Duplicate of a previously submitted transaction.
301	Invalid Account Number	Account number is not valid. Confirm with cardholder.
302	Account Number Does Not Match Payment Type	Card type mismatch (e.g., submitted as Visa but number is Mastercard).
303	Pick Up Card	Do not process. Contact the issuing bank.
304	Lost/Stolen Card	Card designated as lost or stolen. Contact issuing bank.
308	Restricted Card - Chargeback	Declined due to FraudSight Prior Chargeback filtering.
309	Restricted Card - Prepaid Card Filtering	Declined due to FraudSight Prepaid Card filtering.
312	Restricted Card - International Card Filtering	Declined due to FraudSight International Card filtering.
315	Restricted Card - Auth Fraud Velocity Filtering	Declined due to FraudSight Auth Fraud Velocity filtering.
317	Restricted Card - Card under sanction	Card is under sanction and cannot be processed.
318	Restricted Card - Auth Fraud Advice Filtering	Declined due to Auth Fraud Advice filtering.
319	Restricted Card - Fraud AVS Filtering	Declined due to FraudSight Auth Fraud AVS filtering.
320	Invalid Expiration Date	Expiration date is invalid.
322	Invalid Transaction	Transaction not permitted. Contact issuing bank.
323	No such issuer	Card number references a nonexistent issuer.
326	Exceeds number of PIN entries	Card is locked due to too many incorrect PIN attempts.
327	Cardholder transaction not permitted	Merchant does not allow that card type or transaction.
328	Recurring/installment payment stopped	Cardholder requested that recurring payments be stopped.
330	Invalid Payment Type	Payment type not accepted by issuer.
351	Decline - Request Positive ID	Requires picture ID match (card present).
358	Restricted - Security code mismatch	Declined due to CVV2/CID mismatch.
550	Advanced Fraud Filter Score Below Threshold	FraudSight score below acceptable threshold.
651	Customer Cancellation	Customer cancelled the transaction or recurring payment.

Referral Codes (Contact Card Network)

Code	Message	Who to Contact
121	Call AMEX	American Express
122	Call Diners Club	Diners Club
123	Call Discover	Discover
124	Call JBS	JBS
125	Call Visa/Mastercard	Visa or Mastercard
126	Call Issuer - Update Cardholder Data	Issuing bank (data is out of date)
130	Call Indicated Number	Phone number provided in response
140	Update Cardholder Data	Issuing bank (cardholder data is incorrect)

Mastercard-Specific Declines

Code	Message	Typ	What to Do
145	Lifecycle	Hard or Soft	MAC value unknown or null. Contact issuing bank.
146	Policy	Hard or Soft	MAC value unknown or null. Contact issuing bank.
147	Fraud/Security	Hard or Soft	MAC value unknown or null. Contact issuing bank.

Transaction & Amount Errors

Code	Message	Type	What to Do
156	Incremental Auth not supported	Hard	Payment method doesn't support incremental auths.
157	Set authIndicator to Incremental	Soft	Change authIndicator to Incremental and resubmit.
158	Incremental value not allowed in this auth structure	Soft	Use the message structure for incremental auth.
159	Cannot request Incremental auth if original not set to Estimated	Hard	Initial auth must include authIndicator of Estimated.
161	Transaction must reference the Estimated auth	Soft	Resubmit using cnpTxnId from the initial estimated auth.
162	Incremented auth exceeds max amount	Hard	Incremental auth pushed total above maximum allowed.
170	Submitted MCC not allowed	Hard	MCC not on whitelist. Contact Relationship Manager.
209	Invalid Amount	Hard	Amount is invalid for this transaction.
229	Illegal Transaction	Soft	Transaction would violate the law.
340	Invalid Amount	Soft	Amount is too high, too low, or above merchant limit.
341	Invalid Healthcare Amounts	Hard	FSA amount must be greater than 0 and not exceed transaction amount.
346	Invalid billing descriptor prefix	Hard	Billing descriptor prefix is not valid.
347	Invalid billing descriptor	Hard	Not authorized for custom billing fields.
348	Invalid Report Group	Hard	Report Group is invalid or mismatched with billing descriptor.
360	No transaction found with specified Transaction Id	Hard	Verify the Transaction Id.
361	Authorization no longer available	Hard	Auth consumed, expired, or revoked.
362	Transaction Not Voided - Already Settled	Hard	Transaction already delivered; cannot void.
363	Auto-void on refund	Hard	Both capture and refund have been voided.
365	Total credit exceeds capture amount	Hard	Credit amount exceeds the original capture.
835	Capture amount exceeds authorized amount	Hard	Capture exceeds 115% of authorized amount.

Direct Debit (eCheck) Errors

			CodeMessageTypeWhat to Do
364	Invalid Account Number (eCheck)	Hard	Confirm original account number or check NOC.
366	Exceed redeposit threshold	Hard	Max two redeposit attempts within 180 days (NACHA).
367	Deposit not returned for insufficient funds	Hard	Redeposits only allowed for insufficient/uncollected funds returns.
368	Invalid check number	Soft	Check number is invalid.
369	Redeposit against invalid transaction type	Hard	Invalid transaction type for redeposit.
371	Original transaction processed - Future redeposits canceled	Hard	Original transaction was processed; stop redeposits.
900	Invalid Bank Routing Number	Hard	Routing number failed validation.
950	Negative Information on File	Hard	Account is on the negative file.
951	Absolute Decline	Hard	Transaction declined.
952	Merchant Profile does not allow this operation	Hard	Contact Relationship Manager.
953	Account cannot accept ACH transactions	Hard	Customer's account does not accept ACH.
954	Account cannot accept ACH or site drafts	Hard	Customer's account does not accept ACH or site drafts.
955	Amount exceeds Merchant Profile limit	Hard	Contact Relationship Manager.
956	Not authorized for eCheck Verification	Hard	Contact Relationship Manager.
957	First and Last Name required for eCheck Verification	Hard	Include customer's first and last name.
958	Company Name required for corporate eCheck Verification	Hard	Include company name for corporate accounts.
959	Phone number required for eCheck Verification	Hard	Include customer's phone number.
965	Daily Direct Debit capture limit exceeded	Hard	Resubmit tomorrow.
966	Daily Direct Debit credit limit exceeded	Hard	Resubmit tomorrow.

Gift Card Errors

Code	Message	Type	What to Do
215	Restricted Card	Hard	Gift card is not available for use.
216	Invalid Deactivate	Hard	Deactivate is invalid for this card.
217	Card Already Active	Hard	Card is already active.
219	Card Already Deactivated	Hard	Card has already been deactivated.
221	Over Max Balance	Hard	Activate/load exceeds maximum balance.
222	Invalid Activate	Hard	Activate is not valid or can no longer be reversed.
223	No transaction found for Reversal	Hard	Referenced transaction does not exist.
254	Merchant Depleted	Hard	No balance remains on gift card.
255	Gift Card Escheated	Hard	Gift card seized by government (estate resolution).
256	Invalid Reversal Type for Credit Card Transaction	Hard	Use Credit transaction to reverse a credit card Capture, not a gift card reversal.
284	Must use Gift Card transaction tags	Hard	Use giftCardCapture, giftCardCredit, giftCardAuthReversal for gift cards.

Recurring / Subscription Errors

Code	Message	Type	What to Do
469	Invalid Recurring Request	Hard	Check Recurring Response for details.
471	Parent Transaction Declined	Hard	Original payment declined; subscription not created.
472	Invalid Plan Code	Hard	Plan specified in recurring request is invalid.
475	Invalid Subscription Id	Hard	Referenced subscription Id does not exist.
476	Add On Code Already Exists	Hard	Specified Add On code already exists.
477	Duplicate Add On Codes	Hard	Multiple requests with same Add On Code.
478	No Matching Add On Code	Hard	Add On code does not exist.
480	No Matching Discount Code	Hard	Discount Code does not exist.
481	Duplicate Discount Codes	Hard	Multiple requests with same Discount Code.
482	Invalid Start Date	Hard	Start Date is invalid.
483	Not Registered for Recurring Engine	Hard	Contact Relationship Manager.
484	Insufficient data for subscription update	Hard	Missing data needed for update.
485	Invalid Billing Date	Hard	Billing date is before current date or otherwise invalid.
486	Discount Code Already Exists	Hard	Specified Discount Code already exists.
487	Plan Code Already Exists	Hard	Specified Plan Code already exists.

Tokenization & eProtect Errors

Code	Message	Type	What to Do
820	Credit card number was invalid	Hard	Card number submitted for tokenization is invalid.
821	Merchant not authorized for tokens	Hard	Contact Relationship Manager.
822	Token was not found	Hard	Token number not found.
823	Token Invalid	Hard	Submitted token is invalid.
825	Not authorized for eCheck tokens	Hard	Contact Relationship Manager.
826	Checkout Id was invalid	Soft	Submitted checkoutId is invalid.
827	Checkout Id was not found	Soft	Low value token may have expired (24-hour validity).
828	Generic Checkout Id error	Soft	Unknown error with checkoutId.
861	Routing Number mismatch for token	Soft	Routing number doesn't match the one used when token was created.
877	Invalid Pay Page Registration Id	Hard	eProtect Registration ID is invalid.
878	Expired Pay Page Registration Id	Hard	eProtect Registration ID expired (24-hour validity).
879	Not authorized for Pay Page	Hard	Contact Relationship Manager.
890	Max updates for token exceeded	Hard	Max update requests exceeded within 30-day rolling period.
891	Too many tokens for namespace	Hard	Exceeded max 16 tokens for this shopper.
898	Generic token registration error	Soft	Contact Relationship Manager.
899	Generic token use error	Soft	Contact Relationship Manager.
961	Card Brand token not supported	Hard	Visa-generated tokens not supported.
962	Private Label Card not supported	Hard	Visa Private Label cards not supported.

Account Updater Responses

These codes relate to Worldpay's Account Updater service and are informational.

Code	Message	What It Means
191	Merchant not registered in update program	Setup problem. Escalate to Relationship Manager.
500	Account number was changed	Account number changed from the original.
501	Account was closed	Contact cardholder for updated information.
502	Expiration date was changed	Card expiration date has changed.
503	Issuing bank does not participate	Issuing bank is not in the update program.
504	Contact the cardholder	Contact cardholder for updated info.
505	No match found	No match found in updated information.
506	No changes found	No changes to account information.
507	Cardholder opted out	Cardholder requested no updates.

Auto Recycling

Code	Message	Type	What to Do
372	Auto Recycling In Progress	Soft	Transaction intercepted — Recycling Engine is active. Do not resubmit manually.
373	Auto Recycling Complete	Hard	Recycling completed with a final decline.

Surcharge Errors

Code	Message	Type	What to Do
375	Merchant not enabled for surcharging	Hard	Contact Relationship Manager.
376	Payment type does not support surcharging	Hard	Surcharges only allowed for Visa and Mastercard.
377	Surcharge not valid for debit or prepaid	Hard	Cannot surcharge debit or prepaid cards.
378	Surcharge exceeds maximum limit	Hard	Reduce the surcharge amount.

Secondary Amount / Convenience Fee Errors

Code	Message	Type	What to Do
380	Secondary amount exceeds sale amount	Hard	Reduce the secondary amount.
381	Payment type does not support secondary amount	Hard	Use a different payment method.
382	Secondary amount less than zero	Hard	Must be a positive integer.
383	Partial transaction not supported with secondary amount	Hard	Remove partial auth flag or secondary amount.
384	Secondary amount required on partial refund	Hard	Include secondary amount since original deposit had one.
385	Secondary amount not allowed on refund	Hard	Original deposit did not include a secondary amount.

PayPal Errors

Code	Message	Type	What to Do
561	Amazon Pay - Amazon Unavailable	Soft	Retry the transaction.
562	Amazon Pay - Amazon Declined	Hard	Amazon declined the transaction.
563	Amazon Pay - Invalid Token	Hard	Correct the token and resubmit.
564	Merchant not enabled for Amazon Pay	Hard	Contact Relationship Manager.
601	Primary Funding Source Failed	Soft	Issue with PayPal primary funding (e.g., expired card).
602	Buyer has alternate funding source	Soft	Direct customer to contact PayPal to resolve account issue.
610	Invalid Billing Agreement Id	Hard	Billing Agreement ID is invalid.
611	Primary Funding Source Failed	Hard	Issuer is unavailable.
612	Issue with PayPal Account	Hard	Issue with buyer's PayPal account.
613	PayPal authorization ID missing	Hard	Correct the authorization ID and resubmit.
614	Confirmed email not available	Hard	Account configured to decline without confirmed address. Contact eCommerceSupport.
615	Buyer account denied	Hard	Unauthorized payment risk.
616	Buyer account restricted	Hard	Buyer should contact PayPal.
617	Order voided, expired, or completed	Hard	Create a new order.
618	Issue with PayPal refund	Hard	Refund issue (duplicate, past time limit, etc.). Contact eCommerceSupport.
619	PayPal credentials issue	Hard	Insufficient API permissions.
620	Authorization voided or expired	Hard	Perform a new authorization.
621	Required PayPal parameter missing	Hard	Contact eCommerceSupport.
622	Transaction ID or auth ID invalid	Hard	Verify authorization ID before reattempting.
623	Exceeded max PayPal auth attempts	Hard	Capture against a previous authorization.
624	Amount exceeds PayPal account limit	Hard	Contact eCommerceSupport to adjust limits.
625	Funding sources unavailable	Hard	Buyer needs to add another funding source.
626	Issue with primary funding source	Hard	Issue with buyer's primary funding source.
627	Profile does not allow this transaction type	Hard	Contact Relationship Manager to adjust PayPal profile.
628	Internal System Error with PayPal	Hard	Username/password problem. Contact eCommerceSupport.
629	Contact consumer for another payment method	Hard	Request a different payment method.

PayPal Credit Errors

Code	Message	Type	What to Do
701	Under 18 years old	Hard	Customer is under 18.
702	Bill to outside USA	Hard	Billing address must be in the United States.
703	Billing address does not equal shipping address	Hard	Addresses must match.
704	Foreign currency, must be USD	Hard	Transaction must be in US dollars.
705	On negative file	Hard	Account is on the negative file.
706	Blocked agreement	Hard	Blocked agreement account status.
707	Insufficient buying power	Other	Insufficient credit for the transaction amount.
708	Invalid Data	Hard	One or more problems with submitted data.
709	Invalid Data - missing elements	Hard	Required data elements are missing.
710	Invalid Data - format error	Hard	Data formatted incorrectly.
711	Invalid T&C version	Hard	Terms and Conditions version is invalid.
712	Duplicate transaction	Soft	Transaction is a duplicate.
713	Verify billing address	Hard	Verify the billing address.
714	Inactive Account	Hard	Customer account is inactive.
716	Invalid Auth	Hard	Referenced authorization is invalid.
717	Authorization already exists for order	Hard	An authorization already exists for this transaction.

SEPA Direct Debit Errors

Code	Message	Type	What to Do
379	Transaction declined by processing network	Hard	SEPA network declined (possible reasons: insufficient funds, IBAN/Name disagreement, red flag).
901	Missing Name	Hard	Customer name required for SEPA.
902	Invalid Name	Hard	Name must be at least 2 characters.
903	Missing Billing Country Code	Hard	Billing country code required.
904	Invalid IBAN	Hard	Correct the IBAN and resubmit.
905	Missing Email Address	Hard	Customer email required.
906	Missing mandate reference	Hard	Provide a mandate reference for recurring SEPA deposits.
907	Invalid mandate reference	Hard	Must be 1-35 alphanumeric characters.
908	Missing mandate URL	Hard	Provide a mandate URL for BYOM SEPA deposits.
909	Invalid mandate URL	Hard	Must start with https:// followed by 5-120 characters.
911	Missing mandate signature date	Hard	Provide a signature date for BYOM SEPA deposits.
912	Invalid mandate signature date	Hard	Must be on or before the current date (YYYY-MM-DD).
913	Recurring mandate already exists	Hard	Mandate references must be unique per merchant.
914	Recurring mandate was not found	Hard	Submit first standard recurring before subsequent/final.
915	Final recurring already received	Hard	Mandate lifecycle ended after final recurring.
916	IBAN mismatch for mandate	Hard	IBAN must match the first recurring transaction. Use a new mandate for a different IBAN.
917	Invalid Billing Country	Hard	Billing country not allowed for this payment method.

Lodging / Hotel Errors

Code	Message	Type	What to Do
730	Lodging not allowed for this MCC	Hard	MCC does not allow lodging transactions.
731	Duration cannot be negative	Hard	Correct the duration value.
732	Hotel Folio Number cannot be blank	Hard	Add a value or remove the element.
733	Invalid check in date	Hard	Correct the check-in date.
734	Invalid check out date	Hard	Correct the check-out date.
735	Invalid check in or check out date	Hard	Correct the date(s).
736	Check out before check in	Hard	Check-out must be after check-in.
737	Number of adults cannot be negative	Hard	Correct the value.
738	Room rate cannot be negative	Hard	Correct the value.
739	Room tax cannot be negative	Hard	Correct the value.
740	Duration can only be 0-99 for Visa	Hard	Max 2-digit duration for Visa.

Encryption / Decryption Errors

Code	Message	Type	What to Do
521	Card reader decryption service unavailable	Soft	Retry or contact Relationship Manager.
523	Decryption failed	Soft	Retry the transaction.
524	Input data is invalid	Hard	Submitted data is invalid.
530	Apple Pay Key Mismatch	Hard	publicKeyHash doesn't match. Contact Implementation Consultant.
531	Apple Pay Decryption Failed	Hard	Worldpay could not decrypt Apple Pay info.
540	Decryption Failed	Hard	Worldpay could not decrypt card number/CVV.

Funding Instruction Errors

Code	Message	Type	What to Do
940	Negative account balance	Soft	Wait for funds to settle, then resubmit.
941	Balance info unavailable	Soft	Account may be new. Wait for funds to settle or pre-fund.
942	Card not eligible for Fast Access Funding	Hard	Card cannot receive funds via Fast Access.
945	Invalid for Canadian merchants	Hard	Certain funding instructions not supported in Canada.
946	CTX/CCD not allowed for Canadian merchants	Hard	Remove CTX or CCD elements.
947	Canadian account number exceeds 12 digits	Hard	Use 12 or fewer digits.
948	Invalid funding instruction type	Hard	Transaction type not supported.
973	Account not eligible for RTP	Hard	Account cannot receive real-time payments.
990	Funding Instruction held	Hard	Contact Relationship Manager.
999	Exceeds RTP transaction limit	Hard	Transaction exceeds real-time payments limit.

Transaction Reversal Errors

Code	Message	Type	What to Do
211	Reversal Unsuccessful	Hard	Reversal failed.
306	Authorization expired; no need to reverse	Hard	Auth has expired.
335	Payment type does not support auth reversals	Hard	Cannot reverse this payment type.
336	Reversal amount must match auth amount (AMEX)	Hard	For AMEX, reversal must match auth exactly.
939	Cannot void a Held transaction	Hard	Resolve the hold first.
981	Use Void transaction instead	Hard	Invoke Void workflow.
982	Reversal not supported for Core Merchants	Hard	Core platform does not support this.
983	No valid parent transaction found	Hard	Verify cnpTxnId and resubmit.
984	Reversal not enabled for Visa	Hard	Not enabled for this card network.
985	Reversal not enabled for Mastercard	Hard	Not enabled for this card network.
986	Reversal not enabled for AmEx	Hard	Not enabled for this card network.
987	Reversal not enabled for Discover	Hard	Not enabled for this card network.
988	Reversal not supported	Hard	Transaction type not supported.

Other Errors

Code	Message	Type	What to Do
143	Merchant doesn't qualify for product code	Soft	—
154	origId or origCnpTxnId required	Soft	Include one of these in Query transactions.
155	origCnpTxnId required with showStatusOnly	Soft	Include origCnpTxnId when using showStatusOnly flag.
192	Not certified for IIAS	Hard	Not enabled for FSA transactions.
212	Missing Data	Hard	Contact Relationship Manager.
252	System Error	Hard	Contact Relationship Manager.
253	Deconverted BIN	Hard	BIN is no longer valid.
257	System Error (message format)	Hard	Contact Relationship Manager.
271	Refund rejected - pending deposit	Soft	Retry refund later.
272	Refund rejected - declined deposit	Hard	Original deposit failed.
273	Refund rejected by processing network	Soft	Deposit succeeded but refund declined by PayPro.
310	Invalid track data	Hard	Track data is not valid.
311	Deposit referenced by chargeback	Hard	Cannot refund — chargeback already exists.
313	International filtering for card country	Hard	US merchant processing Canadian transactions with a US card.
316	Automatic Refund Already Issued	Hard	Duplicate of FCPS automatic refund.
331	Invalid POS Capability for Cardholder Auth Terminal	Hard	Set POS capability to magstripe.
332	Invalid POS Cardholder ID for Cardholder Auth Terminal	Hard	Set POS Cardholder ID to nopin.
354	3-D Secure not supported	Hard	Not certified for 3-D Secure.
356	Invalid purchase level III data	Soft	Level III data is bad or missing.
357	Missing healthcareIIAS tag for FSA	Hard	Include the healthcareIIAS element.
401	Invalid E-mail	Hard	Email address is not valid.
466	Invalid accountFundingTransactionType + MCC combo	Hard	Check allowed combinations.
467	Invalid accountFundingTransactionType for payment method	Hard	Check allowed values for this payment method.
468	Missing receiver fields for Account Funding	Hard	Mastercard requires all receiver fields.
637	Invalid terminal Id	Hard	Terminal Id is invalid.
640	PINless Debit not supported for non-recurring	Hard	Only supported for recurring transactions.
641	PINless Debit not supported for partial auths	Hard	Resubmit without partial auth flag.
642	Not configured for PINless Debit	Hard	Contact Relationship Manager.
850	Tax Billing only for MCC 9311	Hard	Tax billing requires MCC 9311.
851	MCC 9311 requires taxType	Hard	Include taxType element.
852	Debt Repayment only for VI on MCC 6012/6051	Hard	Must be MCC 6012 or 6051 for Visa Debt Repayment.
922	Expiration date required for Interac	Hard	Include expiration date.
923	Transaction type not supported for Interac	Hard	Not supported on Canadian Interac network.
924	Unreferenced refunds not allowed for Interac	Hard	Refunds require original capture.
943	Cannot use both ccdPaymentInformation and ctxPaymentInformation	Hard	Use only one.
991	Missing address information	Soft	Add address info and resubmit.
992	Cryptographic failure	Soft	—
993	Invalid Region Code	Hard	Region code is invalid.
994	Invalid Country Code	Hard	Country code is invalid.
995	Invalid Credit Account	Soft	Credit card account is invalid.
996	Invalid Checking Account	Soft	Checking account is invalid.
997	Invalid Savings Account	Soft	Savings account is invalid.
998	Invalid use of MCC	Hard	Correct MCC and resubmit.

Miscellaneous Soft Decline Codes

These codes are less common and typically returned by specific networks or legacy systems.

Code	Message	Type
652	Re-try transaction	Soft Decline
653	Unable to locate record on file	Hard Decline
654	File update field edit error	Soft Decline
655	Remote function unknown	Soft Decline
656	Exceeds withdrawal frequency limit	Soft Decline
657	Card record not available	Soft Decline
658	Invalid Authorization Code	Soft Decline
659	Reconciliation error	Soft Decline
660	Preferred Debit Routing Denial	Soft Decline
661	Currency Conversion Complete, No Auth	Soft Decline
662	Multi-Currency DCC Fail	Soft Decline
663	Multi-Currency Invert Fail	Soft Decline
664	Invalid 3-D Secure Password	Soft Decline
665	Invalid Social Security Number	Soft Decline
666	Invalid Mother's Maiden Name	Soft Decline
667	Enrollment Inquiry Declined	Soft Decline
668	Social Security Number Not Available	Soft Decline
669	Mother's Maiden Name Not Available	Soft Decline
670	PIN Already Exists on Database	Soft Decline
895	PIN validation not possible	Soft Decline

Quick Reference: What to Do by Response Type

Approved (000, 010, 011, etc.) — No action needed. Transaction was successful.

Soft Decline (100s, some 300s, etc.) — Retry the transaction. If the issue persists, contact the issuing bank or your Relationship Manager. For insufficient funds codes (112-118), wait the specified time before retrying.

Hard Decline (200s, 300s, etc.) — Do not retry. The issue must be resolved first. Common actions include contacting the cardholder for updated information, verifying transaction data, or contacting your Worldpay Relationship Manager.

Referral (121-130, 140) — Contact the specified card network or issuing bank for guidance before proceeding.

Last updated: April 2026