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Commercial Card Common Decline Reasons

The table below lists and defines common declined authorization codes. The processing system assigns these codes to transactions that the merchant declines at the point of sale. These codes display in the Access® Online account profile function when you view account authorizations for declined transactions. If the transaction was not declined, the screen simply states that the transaction was approved.

In the text of the account authorizations, you may encounter the term velocity. The term velocity refers to the authorization limits set for cardholder and managing accounts in Access Online. You may also encounter the terms corporate and individual. In a decline reason, the term corporate refers to the managing account authorization limits and the term individual refers to the cardholder account authorization limits.

Learn more: If you need clarification on a decline reason, contact the customer support desk.

ReasonCodeDescription
Account Coded (Credit Rating)0031The account the customer used for the attempted transaction has a negative credit rating.
Account Coded M90016The account the customer used for the attempted transaction is a suspended account.
Account Coded V90015The account the customer used for the attempted transaction is a closed account.
ADS I Strategy0851The authorization request hit an Authorization Decision Strategy I (ADS I) rule. ADS I includes pre-defined, high-risk fraud criteria.
ADS II Strategy8997 - 9000The authorization went through an Authorization Decision Strategy II (ADS II) filter without hitting an ADS II rule. ADS II includes pre-defined, high-risk fraud criteria.
ADS II Strategy9001 - 9050The authorization request hit an ADS II rule. ADS II includes pre-defined, high-risk fraud criteria.
Application Trans Counter Invalid0882The merchant terminal is sending incomplete data and the merchant needs to retry the transaction, refer the transaction to merchant services, or swipe the card.
Arrest0003The account the customer used for the attempted transaction is a confirmed fraud account with a credit rating set to fraud.
ARQC Invalid0881The merchant ran the attempted transaction off- line and needs to run the transaction again on- line.
ATC Incorrect0145The card verification value (CVV) embedded in the chip is not verifying and the merchant needs to retry the transaction, refer the transaction to merchant services, or swipe the card.
Caution Account0001The account the customer used for the attempted transaction is flagged as a fraud/caution account.
Card Not Activated0333The cardholder has not yet activated the account they used for the attempted transaction.
CRV Status0134The cardholder has not yet activated the account they used for the attempted transaction.
Card Expired0007The account the customer used for the attempted transaction is an expired card.
Charge-off Account0008The account the customer used for the attempted transaction is an account that has been charged-off.
Closed Account0002The account the customer used for the attempted transaction is a closed account.
Exceeded Account Single Trans Limit0805The transaction exceeds the account's single transaction limit.
Exceeded MCCG STDL0808The attempted transaction exceeded the single transaction limit for the merchant category code group associated to the account.
Exceeded Account Velocity Amount0813The attempted transaction exceeds a velocity limit set for the account.
Exceeded Account MCCG Velocity Amount0818The attempted transaction exceeds a velocity limit for the merchant category code group associated to the account.
Exceeded Number of ATM Per Day0113The account the customer used for the attempted transaction has exceeded the allowed number of automated teller machine (ATM) transactions for that day. This authorization check applies to corporate cards used for travel.
Exceeds ATM Daily Limit0112The account the customer used for the attempted transaction has exceeded the allowed daily dollar value of ATM withdrawals. This authorization check applies to corporate cards used for travel.
Exceeds Down-Time Processing Limit0117The processing system was down and the system could not process the attempted transaction.
Exceeds PIN Limit0114The cardholder entered their PIN incorrectly multiple times and the client or the bank needs to reset the PIN counter.
Invalid Card Verification Value/Check0125The card verification value the customer gave for the attempted transaction did not match the card verification value on file for the account. This authorization check normally occurs for cardless accounts and for internet and telephone orders.
Invalid Card/Account0103The card and/or account the customer used for the attempted transaction is not a valid card and/or account.
Invalid Card Verification0125The merchant is removing the card from the terminal too quickly and the merchant needs to retry the transaction, refer the transaction to merchant services, or swipe the card.
Invalid ICVV0162The merchant is truncating the data they send and the merchant needs to retry the transaction, refer the transaction to merchant services, or swipe the card.
Invalid PIN0111The customer entered an invalid personal identification number. This authorization check applies to corporate cards used for travel purposes.
Invalid Plastic Used0831The account the customer used for the transaction does not have a plastic card issued, but the authorization request indicates that someone swiped a card.
Lost Card - Pending Transfer0006The account the customer used for the transaction is a reported lost or stolen card with a balance that the customer has not yet transferred to a new card.
MCCG Exclude0803The transaction was with a merchant in a merchant category code group with a control set to exclude transactions.
MCCG Included, No Match0823The attempted transaction is with a merchant not in an authorized merchant category code group with a control set to approve only those included merchants.
Not Enough Available Money0048The attempted transaction would send the account over the account's available credit limit.
Nmbr Monthly Transactions Exceeded0092The attempted transaction would have exceeded the account's allowed number of monthly transactions.
Nbr Daily Transaction Exceeded0093The attempted transaction would have exceeded the account's allowed number of daily transactions.
Obtain Positive ID0038The account the customer used for this transaction has a fraud credit rating because of suspicious activity or potential fraud on the account.
Over Limit0084The account the customer used for the attempted transaction is already over its allotted limit.
Pick-Up - Fraud Code F10004The account the customer used for the attempted transaction has an F1 fraud status due to the plastic card being flagged as lost, stolen or never received by the cardholder. This decline reason may also display for an account with a F1 fraud status due to fraudulent activity on the account despite the cardholder possessing the card.
Single Purchase Limit Exceeded0091The attempted transaction exceeds the account's single purchase limit.
Transferred Account0005The account the customer used for the attempted transaction has been reported as lost or stolen, and the balance transferred to a new account, but the attempted transaction used the old account.
Vendor Excluded0800The merchant for the attempted transaction is excluded from the organization's preferred vendor list.
No Driver or Vehicle in ISO MSG0832The attempted transaction requires the submission of a Driver ID or Vehicle ID and neither was submitted by the merchant system.
Invalid Fleet ID0836The attempted transaction has an invalid fleet ID.
Invalid Fleet Vehicle0837The attempted transaction has an invalid fleet vehicle ID.
Invalid Fleet Driver0838The attempted transaction has an invalid fleet driver ID.