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Provided below is a list of most common error messages and their descriptions which could be helpful in understanding the 'Payment Decline Message'
Customers See This Message
Merchants See This Message
The transaction was declined due to insufficient funds in your account. Please use a different card or contact your bank.
The card has insufficient funds to cover the cost of the transaction.
Your card was declined. In order to resolve the issue, you will need to contact your bank.
The customer's bank has declined their card. The customer will need to contact their bank to learn the cause.
Your card has a temporary hold. Please use a different card or contact your bank.
The issuing bank has a temporary hold on the card. This is known as a 'Do Not Honor' response.
Fraud Stolen Card
The transaction was declined. Please use a different card or contact your bank.
The card has been designated as lost or stolen; contact the issuing bank.
Invalid Card / Account Number
Your card number is not valid. Please update your card number.
The credit card number is not valid. The customer needs to try a different number.
Your credit card is expired, please update your card.
The payment gateway declined the transaction because the expiration date is expired or does not match.
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