When a transaction can’t be processed, the processor error code and/or decline reason will be shown at the time of purchase, in the transaction details on a client’s Transactions page, and in the All Sales Report. This allows you to identify the reason the transaction failed.
Refer to the table below to learn about the error codes associated with each card processor. The table provides a definition for each error code to explain why the processor declined the transaction, and a potential solution to help fix the issue.
Caution: If you use Paysafe, or depending on your issuing bank’s security policies, two failed payment attempts can potentially block a client’s credit card for seven days. For more information regarding the security measures used by specific merchant processors, contact your merchant processor.
Barclays
Error code | Definition | Solution |
14 | Invalid credit card number.
| Double-check that the correct credit card number has been entered and re-enter it if necessary.
|
51 | Insufficient funds.
| You’ll need to ask the client to provide an alternative payment method or update their credit card information with a new card.
If the client claims that their account should have sufficient funds, they may need to contact their card issuer. |
54 | The card is expired.
| First, check to see if the correct expiration date was entered for the card.
If the expiration date is correct, and the card has expired, you’ll need to ask the client to provide an alternative payment method or update their credit card information with a new card. |
91 | There is no such card number on file with the issuer or there is a connectivity error with the issuer.
| This error commonly occurs when the issuer’s systems are down.
If the error persists, you’ll need to contact the card issuer for details on how to resolve the issue. |
N7 | Invalid security code.
| Double-check that the security code has been entered correctly and re-enter it if necessary.
|
NMI
Error code | Definition | Solution |
201 | The processor declined the transaction, citing the reason that the transaction shouldn’t be honored.
| To address this issue, first check the credit card information you have on file for the client. If the information isn’t accurate, updating it and trying the payment again should fix the issue.
If this error persists after going through all these steps, or starts to occur with several more clients, please contact WellnessLiving support for assistance. |
202 | Insufficient funds.
| You’ll need to ask the client to provide an alternative payment method or update their credit card information with a new card.
If the client claims that their account should have sufficient funds, they may need to contact their card issuer. |
221 | There is no such card number on file with the issuer or there is a connectivity error with the issuer.
| This error commonly occurs when the issuer’s systems are down.
If the error persists, you’ll need to contact the card issuer for details on how to resolve the issue. |
222 | Invalid credit card number.
| Double-check that the correct credit card number has been entered and re-enter it if necessary.
|
223 | The card is expired.
| First, check to see if the correct expiration date was entered for the card.
If the expiration date is correct, and the card has expired, you’ll need to ask the client to provide an alternative payment method or update their credit card information with a new card. |
224 | Invalid credit card expiration date.
| If you’ve double-checked the expiration date and can confirm that it’s correct, and the error persists, the customer will need to contact their bank for more information.
In the meantime, a customer may need to provide an alternative payment method.
|
225 | Invalid security code.
| Double-check that the security code has been entered correctly and re-enter it if necessary.
|
400 | An error occurred while processing the card. Try again later or use a different payment method.
| You may have to contact the payment processor or the card issuer, and in the meantime, you may need to ask the customer to provide an alternative payment method.
If this error is persistent or occurs with several more customers, please contact WellnessLiving support for assistance. |
Paragon
Error code | Definition | Solution |
05 or 12 | The processor declined the transaction, citing the reason that the transaction shouldn’t be honored.
| To address this issue, first check the credit card information you have on file for the client. If the information isn’t accurate, updating it and trying the payment again should fix the issue.
If this error persists after going through all these steps, or starts to occur with several more clients, please contact WellnessLiving support for assistance. |
14 | Invalid credit card number.
| Double-check that the correct credit card number has been entered and re-enter it if necessary.
|
15 or 112 | There is no such card number on file with the issuer or there is a connectivity error with the issuer.
This error occurs when the payment processor detects that the card number isn’t on file with the card issuer but can also be due to connectivity errors with the issuer. | This error commonly occurs when the issuer’s systems are down.
If the error persists, you’ll need to contact the card issuer for details on how to resolve the issue. |
24 | Invalid credit card expiration date.
| If you’ve double-checked the expiration date and can confirm that it’s correct, and the error still persists, the customer will need to contact their bank for more information.
In the meantime, a customer may need to provide an alternative payment method.
|
50 or 51 | Insufficient funds.
| You’ll need to ask the client to provide an alternative payment method or update their credit card information with a new card. |
54 | The card is expired.
| First, check to see if the correct expiration date was entered for the card.
If the expiration date is correct, and the card has expired, you’ll need to ask the client to provide an alternative payment method or update their credit card information with a new card. |
82 | Invalid security code.
| Double-check that the security code has been entered correctly and re-enter it if necessary.
If this error persists, please contact WellnessLiving support for assistance. |
99 | An error occurred while processing the card. Try again later or use a different payment method.
| You may need to contact the payment processor or the card issuer, and in the meantime, you may need to ask the customer to provide an alternative payment method.
If this error is persistent or occurs with several more customers, please contact WellnessLiving support for assistance. |
Generic Processor Error or Unknown_Error | The processor declined the transaction due to an unknown error.
| You may need to contact the card issuer or payment processor for more information.
If this error persists, please contact WellnessLiving support for assistance. |
QuickPay
Error code | Definition | Solution |
05 or 4005 | The processor declined the transaction, citing the reason that the transaction shouldn’t be honored.
| To address this issue, first check the credit card information you have on file for the client. If the information isn’t accurate, updating it and trying the payment again should fix the issue.
If this error persists after going through all these steps, or starts to occur with several more clients, please contact WellnessLiving support for assistance. |
06 or 4006 | An error occurred while processing the card. Try again later or use a different payment method.
| You may need to contact the payment processor or the card issuer, and in the meantime, you may need to ask the customer to provide an alternative payment method.
If this error is persistent or occurs with several more customers, please contact WellnessLiving support for assistance. |
14 or 4014 | Invalid credit card number.
| Double-check that the correct credit card number has been entered and re-enter it if necessary.
|
15 or 4015 | There is no such card number on file with the issuer or there is a connectivity error with the issuer.
| This error commonly occurs when the issuer’s systems are down. If the error persists, you’ll need to contact the card issuer for details on how to resolve the issue. |
51 or 4051 | Insufficient funds.
| You’ll need to ask the client to provide an alternative payment method or update their credit card information with a new card.
If the client claims that their account should have sufficient funds, they may need to contact their card issuer. |
54 or 4054 | The card is expired. | First, check to see if the correct expiration date was entered for the card. If the expiration date is correct, and the card has expired, you’ll need to ask the client to provide an alternative payment method or update their credit card information with a new card. |
77 or 4077 | Invalid credit card expiration date.
| If you’ve double-checked the expiration date and can confirm that it’s correct, and the error persists, the customer will need to contact their bank for more information. In the meantime, a customer may need to provide an alternative payment method.
|
78 or 4078 | Invalid security code.
| Double-check that the security code has been entered correctly and re-enter it if necessary.
|
9993 | The processor declined the transaction due to an unknown error.
| In this case, you may need to contact the card issuer or payment processor for more information.
If this error persists, please contact WellnessLiving support for assistance. |