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Card declined message reference

When a card payment cannot be processed, the Toast POS device shows a message from the card network. These response messages can be difficult to interpret. The following table shows the response messages received most frequently on Toast POS devices with descriptions for why that message might appear.

Note

The messages and the descriptions shown in the following tables are produced by the card processor, not by Toast. The information provided in these tables is intended for reference only, and is subject to change without notice by the card network.

Response Message Descriptions

*REQUEST DENIED*

Do not honor

AUTH DECLINED

Do not honor

Transaction not permitted to issuer/cardholder

Exceeds withdrawal limit

Domain Restriction Controls Fail

Declined-transaction in violation of law

Declined PIN attempts

AUTH TRN NO AL'W

Auth transaction not allowed for this payment

CALL OPER

Refer to card issuer

Refer to call center

CALL VOICE OPER

Refer to card issuer

Re-enter transaction

CARD EXPIRED

Expiration date check failed

Expired card

Card expiry date less than current date

CARDHLDR DECLINE

Declined per cardholder request

CVD ERROR

Do not honor

DECLINED

Declined by user

Invalid effective date on card

ERR PROC FIELD

Format error, invalid value in message

HOLD - CALL

Pick up

INV CARD NUMBER

Invalid cardholder account

Account number not found in BIN table

INVALID AMOUNT

Invalid amount

INVALID CARD

Invalid card number

INVALID CARD NO

Invalid card number

INVALID EXP DATE

Invalid expiry date

INVALID FUNCTION

Transaction not permitted to terminal

INVALID MERC NO

Invalid merchant or terminal

INVALID PIN

Invalid pin

LOST/STOLEN CARD

Lost or stolen card

NO CHECKING ACCT

Error

PICK UP CARD

Pick up card

Decline - pick up card

Pick up card - No Fraud

Pick up card (Special Condition)

Pick up card (Special Condition)(Fraud Account)

Lost card - pick up

Stolen card - pick up

PIN TRIES EXCEED

Re-enter transaction

PROC ERROR 13

System error

SECURITY VIOLATION

Security violation

TRAN NOT ALLOWED

Transaction not permitted to terminal

TRANS DENIED

Do not honor

Invalid cardholder account

Unable to locate record

Insufficient funds

Restricted card

Security violation

Account activity limit exceeded

Allowable number of PIN entry tries exceeded

One or more errors in message

File is unavailable

No credit account

Fraudulent activity detected

TRANS NOT ALLOW

Transactions not allowed to cardholder

Transactions not allowed to terminal

Illegal transaction - violation of law

Capture transactions not allowed for this payment type

Capture transaction on authorization only terminal

Private label transaction not allowed for terminal

Store reporting transactions not allowed