> ## Documentation Index
> Fetch the complete documentation index at: https://docs.gnosispay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Card Decline Reasons

> Every card decline code, the customer-facing message shown, and its technical cause

When a card transaction is declined, Gnosis Pay returns a decline code and a customer-facing message via the Partner API, webhooks, and on the Partner Dashboard. The 90+ underlying technical codes from Pismo are grouped into customer-facing categories, so cardholders see clear, actionable language rather than a raw processor code.

This page lists every code by category, the message shown to the user, and the technical reason behind it. This is useful when investigating a specific decline with your support team.

<Note>
  A code not listed here falls back to a generic message: *"Transaction denied (code: `{code}`)"*.
</Note>

## 1. Temporary issue

**Message shown to user:** *"Temporary issue. Please try again."*

Transient, infrastructure-level failures. Retrying the transaction typically resolves them.

| Code | Technical Reason |
| - | - |
| `91` | Authorization system or issuer system inoperative |
| `998` | Card hash not present in database |
| `ACE` | Network transactions API communication error |
| `ACT` | Account timeout |
| `AEE` | Anti-fraud external generic error |
| `AET` | Anti-fraud external API timeout |
| `AFE` | Anti-fraud internal API generic error |
| `AGE` | Account generic error |
| `AIT` | Anti-fraud internal API timeout |
| `ANF` | Acceptance not found |
| `AUD` | Authorization disabled |
| `BCE` | Balance config generic error |
| `BCT` | Balance config timeout |
| `BII` | Balance inquiry internal error |
| `CET` | Card timeout |
| `CGE` | Card generic error |
| `CLF` | Credit limit impact not found |
| `CMD` | Card mode disabled |
| `CNU` | Account status unknown |
| `CTT` | Card token timeout |
| `CV3` | CVC3 not configured |
| `DCE` | Distributor API communication error |
| `ETR` | Exceed time to reversal |
| `FR3` | IAV validation failed |
| `FR7` | Card not present in database |
| `HCE` | HSM communication error |
| `IMA` | Invalid message authentication code |
| `IMF` | Invalid message format |
| `IZA` | Zero amount not allowed |
| `LAE` | Unexpected error fetching account information |
| `LCT` | Ledger account timeout |
| `LNF` | Account not found |
| `LUD` | Limit update duplicated ID error |
| `LUE` | Error updating ledger |
| `LUT` | Ledger timeout |
| `OOT` | Orgs operation timeout |
| `OP1` | Generic error or system failure |
| `PAE` | Unexpected error fetching parameters |
| `PAT` | Timeout fetching parameters |
| `PCT` | Timeout in processing code definition |
| `PGE` | Program config generic error |
| `PRE` | Unexpected error fetching program |
| `PRT` | Timeout fetching program |
| `RAD` | Rates API denial |
| `RAE` | Error on authorization amount calculation |
| `STD` | Denied by second authorizer |
| `TGE` | Card token generic error |
| `ZBA` | Zero balance API unauthorized |
| `ZBE` | Zero balance API general error |
| `ZBF` | Zero balance client webhook forbidden |
| `ZBP` | Partial authorization response invalid in zero balance purchases |
| `ZBT` | Zero balance API timeout |
| `ZBU` | Zero balance client webhook unavailable |

## 2. Card could not be read

**Message shown to user:** *"Card could not be read. Please try again."*

| Code | Technical Reason |
| - | - |
| `FAT` | ATC validation failed |
| `FRE` | Cryptogram data validation failed |
| `FRH` | POS entry mode validation failed |
| `FRN` | Chip field validation failed |
| `FRO` | Chip signature validation failed |

## 3. Card status invalid

**Message shown to user:** *"Card status invalid. Contact support."*

| Code | Technical Reason |
| - | - |
| `BNI` | Card is inoperative |
| `BNW` | Card has warning status |
| `CSU` | Card status unknown |

## 4. Card transaction limit reached

**Message shown to user:** *"Card transaction limit reached."*

| Code | Technical Reason |
| - | - |
| `CTE` | Transaction counter exceeded |

## 5. Mismatched key value for DCC

**Message shown to user:** *"Mismatched key value for DCC"*

| Code | Technical Reason |
| - | - |
| `DIC` | Invalid country for DCC definition |
| `DIY` | Invalid currency for DCC definition |

## 6. Card not activated

**Message shown to user:** *"Card not activated. Please activate."*

| Code | Technical Reason |
| - | - |
| `FRB` | Card is in created status (not activated) |

## 7. Card no longer valid

**Message shown to user:** *"Card no longer valid."*

| Code | Technical Reason |
| - | - |
| `VED` | Card is deleted |

\##8. Mismatched key value for refund

**Message shown to user:** *"Mismatched key value for Refund."*

| Code | Technical Reason |
| - | - |
| `DCM` | Original authorization not found at refund |

## 9. Currency conversion not permitted

**Message shown to user:** *"Currency conversion not permitted. Select local currency."*

| Code | Technical Reason |
| - | - |
| `DCC` | DCC transaction not allowed for program |

## 10. Security check failed

**Message shown to user:** *"Security check failed. Please try again."*

| Code | Technical Reason |
| - | - |
| `CAV` | CAVV 3DS validation failed |

## 11. Payment declined, contact support

**Message shown to user:** *"Payment declined. Contact support."*

| Code | Technical Reason |
| - | - |
| `MPC` | Program config not found |
| `PRN` | Program not found |
| `ZBD` | Zero balance client declined |

## 12. Wallet payment failed, re-add card

**Message shown to user:** *"Wallet payment failed. Re-add card and try again."*

| Code | Technical Reason |
| - | - |
| `TNP` | Token not provided |
| `Z26` | Card token not found |
| `Z29` | Card token failed |
| `Z30` | Token does not match card |

## 13. Payment failed, check token status

**Message shown to user:** *"Payment failed. Please check your token status."*

| Code | Technical Reason |
| - | - |
| `Z22` | *(pending confirmation)* |

## 14. Use PIN to complete transaction

**Message shown to user:** *"Use PIN to complete transaction"*

| Code | Technical Reason |
| - | - |
| `PNP` | *(pending confirmation)* |

## 15. Invalid currency

**Message shown to user:** *"Invalid currency. Contact support."*

| Code | Technical Reason |
| - | - |
| `PIC` | *(pending confirmation)* |

## 16. Transaction type not supported

**Message shown to user:** *"Transaction type not supported. Please try again."*

| Code | Technical Reason |
| - | - |
| `OON` | *(pending confirmation)* |

## 17. Verification not completed

**Message shown to user:** *"Verification not completed. Please try again."*

| Code | Technical Reason |
| - | - |
| `NCV` | Entry mode not allowed with no-CVM |

## 18. DCC not allowed

**Message shown to user:** *"DCC not allowed"*

| Code | Technical Reason |
| - | - |
| `MDC` | Multi-currency not allowed for DCC authorization |

## 19. Installment not allowed

**Message shown to user:** *"Installment not allowed"*

| Code | Technical Reason |
| - | - |
| `ISE` | Insufficient statements |

## 20. Mismatched account type

**Message shown to user:** *"Mismatched Account type for this transaction"*

| Code | Technical Reason |
| - | - |
| `IAT` | Invalid account type |

## 21. Card type not supported

**Message shown to user:** *"Card type not supported"*

| Code | Technical Reason |
| - | - |
| `GCD` | Gift card denial |

## 22. Payment method not accepted here

**Message shown to user:** *"Payment method not accepted here."*

| Code | Technical Reason |
| - | - |
| `FR5` | Magnetic stripe not allowed in this country |

## 23. Other decline codes

These codes fall outside the standard grouping (business, fraud, or card-status declines) and are shown with their own descriptive message directly.

| Code | Message |
| - | - |
| `810` | Insufficient balance |
| `CED` | Incorrect Exp Date, please check and retry |
| `CNC` | Account cancelled |
| `CND` | Account blocked |
| `FL6` | Card blocked by anti-fraud |
| `FR1` | CVV1 or CVC1 validation failed |
| `FR2` | Incorrect CVV/CVC, please check and retry |
| `FR6` | Password validation failed |
| `PFT` | Do not honor |
| `RED` | Operation not allowed. Contact support |
| `TSM` | Password tries exceeded |
| `UBN` | NFC disabled |
| `VEV` | Expired virtual card |
| `VNM` | Card expired |
| `BND` | Card is cancelled |
| `BNF` | Card flagged for fraud |
| `BNM` | Card is damaged |
| `BNP` | Card reported lost |
| `BNR` | Card reported stolen |
| `BNU` | Card is unreceived |
| `CPE` | Card is in pending status |
| `UBT` | Card is blocked |


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