Information for Cardholders

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Transactions declines

A declined transaction indicates that the provided information was not compliant with earlier created customer profile or customer’s bank has refused the transaction request. Sometimes you can tell why it was declined by reading the response code, for certainty please review the list:
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3DS Transaction Failed
3DS Authentication failed
Incorrect VerifybyVisa / MasterCode / Safekey authentication. Please contact your bank and ask for assistance with 3D Secure.
Customer exceeds approval amount limitThe attempted transaction exceeds the withdrawal limit of the account. Please contact your bank to change the account limits for eCommerce transactions.
Do not honorBank, which issued the card, is unwilling to accept the transaction. Please contact your bank for more details regarding this generic decline and request them to honor transactions from website where purchase was made.
Expired cardYou tried to make a purchase with expired card or made a typo in your card expiration date. Please correct your payment information and attempt the transaction again – if the decline persists, you need to contact your bank.
Insufficient fundsThe account did not have sufficient funds to cover the transaction amount at the time of the transaction. Please verify available balance / purchasing power with your bank.
Invalid CardYou entered an invalid payment method or made a typo in your card number. Please correct your payment information and attempt the transaction again – if the decline persists, you will need to contact your bank.
Not permitted to cardholderDeclines come from issuing bank. Please contact your issuing bank to clarify the reason for decline.
Restricted card (card invalid in this region or country)It is prohibited to use the card in certain regions and countries which are established by the issuing bank. Please use an alternate credit card.
Customer data mismatchInformation provided with the transaction is different from the one stored in our gateway. Please contact our 24/7 customer support and they will help you to proceed with your payment.
Name on card mimatchName/surname provided with the transaction is different from that one which was made before. Please contact our 24/7 customer support and they will help you to proceed with your payment.
Amount exceeds limit per customerEach cardholder has its own limits for processing established by GPN DATA risk department. If you want to proceed with more transactions, please contact merchant’s or our customer support and they will help you clarify the issue.
Does not meet minimum single transaction amountMinimum amount of transactions allowed for processing hasn’t been reached. All transactions made for smaller amounts are automatically declined. Please proceed with transactions for the minimum or above established amount.
Too many declined transactions with this customer / Customer blocked until tomorrowPrevious trials of making payments have failed and daily limit is reached. Please wait until tomorrow or contact our customer service.
3DS Time Out / 3D auth not completedFor some reason 3DS authentication failed. Please try again or call your issuing bank to help you with this transaction.
Acquiring Bank offline for Maintenance and RepairsTemporary maintenance break on acquiring bank side. You can try again after a while. If the same status occurs, try with another card.
Issuer or switch inoperative (unavailable)Unexpected error has been encountered on acquiring bank side. You can try again after a while. If the same status occurs, try with another card.