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The Guide: Easy Steps to Understanding and Resolving Payment Declines

No need to memorize codes. Here’s how to recognize and handle the most common credit card errors in RazorSync

1. Understand What the Error Means

  • When a card is declined, RazorSync displays a helpful error code and message.
  • These codes offer clues as to why—and what to do next.

2. Take Quick Action Based on the Code
Here’s a rundown of the most common errors SMB owners see:

  • 200–201: “Transaction Declined/Do Not Honor”
    The bank simply won’t process the charge. Ask your customer to contact their bank or provide a different card.
  • 202: “Insufficient Funds”
    Your customer’s account needs more money. Let them know and suggest trying another card or method.
  • 203: “Over Limit”
    The charge exceeds their card’s daily withdrawal limit. Suggest they contact their bank or use a different card.
  • 223–224: “Expired Card/Invalid Expiration Date”
    The card’s shelf life is up, or the expiration info may have a typo. Ask your customer to update with a valid card.
  • 225: “Invalid Security Code”
    A simple typo or an incorrect CVV. Have your customer double-check and retry.
  • 250–253: “Lost/Stolen/Fraudulent Card”
    These cards have been flagged as dangerous. Let your customer know—their bank can explain and help them fix it.

3. Offer Fast Solutions

  • Reach out to your customer to get a new form of payment.
  • If needed, have them call their bank to approve the charge.
  • Once anything is fixed, retry the payment.

4. Keep Communication Professional

  • Show empathy: “Hey, sometimes banks are just extra cautious. Let’s try another card or have you call your bank for a quick fix!”

 

 Credit Card Decline Codes Made Simple

Code Error Message What It Means What to Do Next
200 Transaction declined by processor Customer’s bank refused the charge (reason varies). Customer should contact their bank or use a different method.
201 Do not honor Bank declined—general reasons. Customer must contact their bank for details.
202 Insufficient funds Not enough money in the customer’s account. Ask for another payment method.
203 Over limit Transaction exceeds account/card withdrawal limit. Customer should contact their bank or use a different method.
204 Transaction not allowed Card or account can’t be used for this transaction. Customer contacts bank or provides a different payment method.
220 Incorrect payment information Details (like number, name, security code, etc.) are wrong or incomplete. Verify and correct payment details, then retry.
221 No such card issuer Card number doesn’t match any real bank, or there’s a connection issue. Customer contacts their bank.
222 No card number on file with issuer Card number isn’t recognized by the bank. Customer contacts their bank.
223 Expired card Card’s expiration date has passed. Ask for an updated payment method.
224 Invalid expiration date Expiration date typed incorrectly or not valid. Double-check entry and retry, or use a new card.
225 Invalid card security code (CVV/CVC) Security code is incorrect or missing. Double-check and re-enter. If issues persist, contact the bank.
226 Invalid PIN Wrong or missing PIN. Some cards require this for online/phone transactions. Customer re-enters PIN; if problems, contact the bank.
240 Call issuer for further information More details needed from the bank. Customer contacts bank for help.
250 Pick up card Card reported lost or stolen—bank asks to confiscate. As you’re not in person, just request another card.
251 Lost card Card likely reported lost. Customer contacts their bank.
252 Stolen card Card likely reported stolen. Customer contacts their bank.
253 Fraudulent card Bank suspects fraud (for your customer’s protection!). Customer must contact their bank.
260 Declined with further instructions available More info may appear in the response text. Check for instructions; customer may need to contact their bank.
261 Declined—Stop all recurring payments Bank has blocked recurring payments for this card/account. Use a new card or ask customer to speak with their bank.
262 Declined—Stop this recurring program Recurring charge not allowed for this specific program. Use a new payment method.
263 Declined—Update cardholder data available Card expired or replaced; bank has updated info. Ask for the updated card details.
264 Declined—Retry in a few days Transaction might go through soon (e.g., low funds, temporary hold). Try again later or contact the bank.