Soft Decline

Soft Decline Codes

Temporary issues that can be resolved with smart retry timing

Total Codes

PSPs

100%

Recoverable

Adyen(10 codes)

Code	Description	Status
Refused	Generic refusal — often temporary issuer decline	Recoverable
Not Enough Balance	Insufficient funds on the card	Recoverable
Acquirer Error	Temporary acquirer-side error	Recoverable
Issuer Unavailable	Issuer system temporarily unavailable	Recoverable
Try Again Later	Temporary failure, try again later	Recoverable
Not enough balance	Insufficient funds (lowercase variant)	Recoverable
Transaction Not Permitted	Transaction not permitted — may be temporary restriction	Recoverable
Withdrawal Amount Exceeded	Withdrawal amount limit exceeded	Recoverable
Acquirer Fraud	Acquirer flagged as possible fraud — may be retried	Recoverable
Pin Tries Exceeded	Too many PIN attempts — temporary lockout	Recoverable

Code	Description	Status
insufficient_funds	Insufficient funds in account	Recoverable
processing_error	Processing error at issuer	Recoverable
try_again_later	Issuer temporarily unable to process	Recoverable
card_velocity_exceeded	Too many transactions on card in short period	Recoverable
generic_decline	Generic decline — issuer gave no specific reason	Recoverable
do_not_honor	Issuer declined without specific reason	Recoverable
issuer_not_available	Issuer system temporarily unavailable	Recoverable
reenter_transaction	Issuer requests re-entry of transaction	Recoverable
withdrawal_count_limit_exceeded	Customer exceeded withdrawal count limit	Recoverable

Code	Description	Status
2000	Do Not Honor — generic issuer decline	Recoverable
2001	Insufficient Funds	Recoverable
2002	Limit Exceeded	Recoverable
2003	Cardholder Activity Limit Exceeded	Recoverable
2038	Processor Declined — generic processor decline	Recoverable
2046	Declined — generic decline	Recoverable
2047	Call Issuer — update card or retry	Recoverable
2053	Card reported as lost or stolen (soft)	Recoverable
2057	Issuer or cardholder has placed a restriction on the card	Recoverable

Code	Description	Status
05	Do not honour — most common, often temporary	Recoverable
30	Format error — temporary processing issue	Recoverable
51	Insufficient funds	Recoverable
61	Exceeds withdrawal limit	Recoverable
65	Activity count limit exceeded	Recoverable
82	Timeout — temporary processing issue	Recoverable
91	Issuer unavailable — temporary	Recoverable
96	System malfunction — temporary	Recoverable

Code	Description	Status
2	Declined — generic, often temporary issuer decline	Recoverable
3	Error — processing error at gateway or issuer	Recoverable
51	Insufficient funds in account	Recoverable
65	Activity limit exceeded — too many transactions	Recoverable
152	Processor declined — generic processor-level decline	Recoverable
200	Declined / Do Not Honor — generic issuer decline	Recoverable
202	Insufficient funds	Recoverable
203	Over limit — credit limit exceeded	Recoverable

Code	Description	Status
denied	Generic denial — often temporary	Recoverable
INSTRUMENT_DECLINED	Payment instrument declined — may be temporary	Recoverable
INSUFFICIENT_FUNDS	Insufficient funds in account	Recoverable
TRANSACTION_REFUSED	Transaction refused — generic, often temporary	Recoverable
PAYMENT_DENIED	Payment denied — generic denial	Recoverable
INTERNAL_SERVICE_ERROR	PayPal internal service error — temporary	Recoverable

Code	Description	Status
Decline	Generic decline — gateway gave no specific reason	Recoverable
Insufficient Funds	Insufficient funds in cardholder account	Recoverable
Do Not Honor	Issuer declined without specific reason	Recoverable
Card Declined	Card declined — no further details provided	Recoverable
Exceeds Limit	Transaction exceeds card spending limit	Recoverable
Processor Decline	Processor declined the transaction — may be temporary	Recoverable

Code	Description	Status
20051	Insufficient Funds	Recoverable
20005	Do Not Honor — issuer declined without specific reason	Recoverable
200P1	Processing Error — temporary processing failure	Recoverable
20068	Timeout — issuer response timed out	Recoverable
20001	Soft Decline — general soft decline, retry likely to succeed	Recoverable

Code	Description	Status
insufficient_funds	The customer's bank account had insufficient funds — most common DD failure	Recoverable