Example Card Decline
{
"message_type": "auth-request",
"card_id": "card_09876543421",
"amount": "10.00",
"currency": "USD",
"status": "denied",
"decline_reason": "Card Not Active",
"network": "mastercard",
"network_created_at": "2017-11-02T11:55:09Z",
"processor": "marqeta",
"id": "cnm_2345678901",
"created_at": "2017-11-02T11:55:14Z",
"updated_at": "2017-11-02T11:55:14Z",
"merchant": {
"name": "A VENDOR NAME",
"mid": "0123456789",
"mcc": "0000",
"address": {
"city": "EDGEWATER",
"state": "NJ",
"postal_code": "07020",
"country": "USA"
}
}
}
Common Decline Reasons
There are a large number of reasons a card authorization might be declined by the network, the issuer, or by your application logic. Below are some of the more common card decline reasons that you may encounter:| Decline Reason | Description |
|---|---|
| Denied By Card Controls: Blocked Merchant | This merchant is blocked by the current card control configuration. |
| Denied By Card Controls: ATM Withdrawal Limit Reached | The ATM withdrawal limit defined by the card controls for this card have been reached. |
| Denied By Card Controls: Usage Limit Reached | The usage limits defined by the card controls for this card have been reached. |
| AVS Decline | The address information submitted for the transaction failed AVS verification. |
| AVS No Info | The address information submitted for the transaction failed AVS verification. |
| Card Auth Loop Endpoint Denied Request | This transaction was denied by a 402 response received from the Card Auth Loop Endpoint (your application logic). If a custom decline_reason was included in the 402 response, it is appended, e.g. Card Auth Loop Endpoint Denied Request - 082. |
| Card Not Active | This card has not yet been activated. |
| Card Expired | This card has expired. |
| Card Suspended | This card is currently suspended and will need to be reactivated before it can be used. |
| Card Expiration Mismatch | The card expiration date provided does not match the expiration data for this card. |
| Fraud Decline | This transaction has been decline due to suspected fraudulent activity. |
| Incorrect PIN | The PINs provided does not match the PIN for this card. |
| Invalid CID | The CID provided does not match the CID assigned to this card. |
| Invalid CVV | The CVV provided does not match the CVV assigned to this card. |
| Issuer Timeout | The card network did not receive a response from the issuer within the specified timeframe and has declined the transaction. |
| Network Decline | The card network has declined this transaction. |
| Transaction Not Permitted | The card is not configured to support the transaction being attempted. |
| NSF | Non-Sufficient Funds: The user’s available balance is insufficient to cover the transaction. |