Dispatcher provides the same level of information about errors that WastePay receives to help resolve them. Please use this guide to determine the next steps, whether the customer needs to contact their bank or information needs to be corrected, to successfully process a declined payment.
Processing Error | Definition |
Refer to Issuer | The cardholder’s bank has blocked the transaction for an unspecified reason. Ask the customer to call their bank or use another card. |
Invalid Merchant | The merchant account isn’t set up or authorized to process this type of transaction. Contact your payment processor to verify setup. |
Pick Up Card | The card has been flagged (could be expired, closed, or overdrawn). Ask the customer to contact their bank. |
Do Not Honor | The bank is declining the charge without giving a specific reason. Ask the customer to contact their bank or try another payment method. |
Pick Up Card (Fraud) | The card is flagged for suspected fraud. Do not process further; ask the customer to call their bank. |
Invalid Transaction | The transaction type isn’t allowed (for example, refunding a refund). Verify the transaction type and retry. |
Invalid Amount | The amount entered is incorrect (negative or non-numeric). Correct the amount and re-submit. |
Invalid Card Number | The card number entered is incorrect or invalid. Double-check the card number and retry. |
Lost Card | The cardholder reported this card as lost. Request a different payment method. |
Stolen Card | The cardholder reported this card as stolen. Request a different payment method. |
Insufficient Funds | The account does not have enough funds or credit for the charge. Ask for a different payment method. |
Expired Card | The card’s expiration date has passed. Ask for an updated card. |
Transaction Not Permitted (Card) | The bank does not allow this type of transaction for this card. Ask the customer to contact their bank or use another card. |
Transaction Not Permitted (Terminal) | The merchant’s setup does not allow this type of transaction. Contact your processor to adjust settings. |
Restricted Card | The card is blocked for certain types of use (e.g., geographic restrictions or merchant type). Ask the customer to contact their bank or use another card. |
Security Violation | The card’s security check (CVV, chip, or other) failed. Re-enter the security code or use another payment method. |
Activity Limit Exceeded | The cardholder has hit their daily or monthly limit. Ask for another form of payment or wait until the limit resets. |
PIN Tries Exceeded | Too many incorrect PIN attempts. Use another card or reset PIN with the bank. |
Issuer or Switch Unavailable | The bank’s system is temporarily down. Retry later or use another card. |
Violation of Law | The transaction is blocked due to legal or regulatory restrictions. Cancel the transaction and suggest another payment method. |
System Malfunction | A technical issue occurred at the bank or payment network. Retry after a short wait or try a different card. |
CVV2 Mismatch | The security code on the back of the card doesn’t match the bank’s records. Ask the customer to double-check the code. |
Not Permitted | The account or user ID is not allowed to process this type of transaction. Contact your processor to adjust permissions. |