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.
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Note |
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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 messages and descriptions
| Response Message | Descriptions |
|---|---|
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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 |
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INV CARD NUMBER |
Invalid cardholder account Account number not found in BIN table |
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DECLINED |
Declined by issuer Invalid effective date on card |
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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 |
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CARD EXPIRED |
Expiration date check failed Expired card Card expiry date less than current date |
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AUTH TRN NO AL'W |
Auth transaction not allowed for this payment type |
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AUTH DECLINED |
Declined PIN attempts Transaction not permitted to issuer/cardholder Exceeds withdrawal limit Domain Restriction Controls Fail Declined - transaction in violation of law |
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CALL OPER |
Refer to card issuer Refer to call center |
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SECURITY VIOLATION |
Security violation |
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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 |