This guide will be removed on April 29, 2022. Please use our new, easier-to-use Toast technical documentation site. All updated content is on the new site.

Credit card declined message reference

When a credit card payment cannot be processed, the Toast POS device shows a message from the card networks. 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 this table are produced by the credit card processor, not by Toast. The information provided in this table is intended for reference only, and is subject to change without notice by the card networks.

Response Message Descriptions

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

INV CARD NUMBER

Invalid cardholder account

Account number not found in BIN table

DECLINED

Declined by issuer

Invalid effective date on card

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

CARD EXPIRED

Expiration date check failed

Expired card

Card expiry date less than current date

AUTH TRN NO AL'W

Auth transaction not allowed for this payment type

AUTH DECLINED

Declined PIN attempts

Transaction not permitted to issuer/cardholder

Exceeds withdrawal limit

Domain Restriction Controls Fail

Declined - transaction in violation of law

CALL OPER

Refer to card issuer

Refer to call center

SECURITY VIOLATION

Security violation

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