Gateway Declines

Gateway declines occur when a transaction can't be authorized. The gateway issues a decline code and result to explain why the transaction failed.

Common decline codes and recommended actions
Code	Gateway Result	Action
104	The card has reached the credit limit or insufficient funds are available.	Contact the cardholder and request a different form of payment.
106, 109, 120, 123, 127, 141, 142	Please call the number on the back of your card. Your bank requested that we do not honor this card.	Because the issuing bank didn't share a detailed decline reason, the cardholder should contact the card company and discuss what happened. After the transaction is cleared by the bank, retry the transaction.
110	Insufficient funds in the account.	Contact the cardholder and request a different form of payment.
111	The card has reached the credit limit or insufficient funds are available.	Contact the cardholder and request a different form of payment or smaller amount.
112	The PIN is invalid.	Ask the cardholder to try again with the correct PIN or request a different form of payment.
114, 118, 124	Stolen or lost card.	Contact the cardholder and request a different form of payment.
119, 128	Please attempt your transaction again.	Try a different payment method or ask the payer to contact the issuing bank for more information.
131	Invalid expiry date.	Re-enter the expiration date and submit the payment.
133, 136	Invalid card verification number.	The security code doesn't match what the cardholder’s bank has on file or the expiration date was typed incorrectly. Re-enter the card information and submit the payment.
134, 149, 151	Invalid account number.	The card number may have been entered incorrectly or the card may be invalid. Re-enter the card information and submit the payment.
135	Expired card.	The expiration date provided doesn't match the date the issuing bank has on file. Re-enter the card information and submit the payment.
137	Address Verification Service (AVS) check failed.	The address or ZIP code doesn't match what the bank has on file. Re-enter the card information. If it continues to decline, consider changing your AVS level to Light. For more information, see Fraud Management.
140, 144, 146, 199	Error: General system failure.	This message can have several causes, most commonly incorrect information or a decline by the cardholder’s bank. For more information, see Transactions receive General System Failure message in the Knowledgebase.
158	The payment method was not authenticated.	Cardholder failed 3D Secure (3DS) authentication. Retry the transaction using the multi-factor authentication method provided to the cardholder.
159	This transaction requires authentication.	Re-enter the card information using a Strong Customer Authentication (SCA)-compliant checkout (such as Blackbaud Checkout) and submit the payment.
162	Invalid branch or institution number.	The routing number may have been entered incorrectly. Re-enter the direct debit information and submit the payment.
163	Authentication Failed.	Retry the transaction again using the multi-factor authentication method provided to the cardholder.
164	Unable to process because the bank account failed or the mandate is no longer active. Contact the account holder to try another form of payment.	Obtain new direct debit bank account information from the account holder.
502, 801	High risk of fraud determined for this transaction.	The transaction's risk score exceeded the Blackbaud Merchant Services threshold or it failed a of the fraud check. If the transaction is valid, enter it offline.
803	The amount exceeds the maximum per transaction amount limit.	Blackbaud Merchant Services has a transaction amount limit for each currency. If the amount exceeds the limit, the cardholder needs to make multiple transactions. For example, instead of a $60,000 USD payment , the cardholder can make two $30,000 payments.
805	Sorry, we are unable to process your transaction at this time. Please try again later.	Your Blackbaud disbursement bank account is not valid. Email Blackbaud's Account Validation Team with the error message and your Site ID.
807	Successful Void.	The transaction was authorized but not captured. Retry the transaction.
812	California state law prohibits this transaction. Contact the organization to donate.	Error due to California state regulations, which restrict online donations. For more information, see California Assembly Bill 488: Impact to Charitable Organizations.
	Multiple attempts at using this credit card have resulted in errors. For security reasons, we cannot accept transactions using this credit card. Please contact us directly to process your transaction.	Error due to suspicious or potentially fraudulent behavior. If the transaction is valid, contact Blackbaud Support to remove the card from the blocklist, then retry the transaction. If it fails again, the cardholder should contact the card company.
	The client IP XXXXXXX has been added to the block list due to repeated authorization failures.	Error due to suspicious or potentially fraudulent behavior because multiple transactions were attempted by the same IP. If the transaction attempt is valid, contact Blackbaud Support to remove IP from the blocklist, then retry the transaction.
	Not Processed.	Re-enter the card information and submit the payment.
	Unable to update the card information.	Error due to legislation related to the Visa Stored Credential Framework and/or SCA. Re-enter the card information and submit the payment.
	Unable to authenticate the card information.	Error due to legislation related to the Visa Stored Credential Framework and/or SCA. Re-enter the card information and submit the payment.
	Invalid branch or institution number.	Re-enter the bank account information from the account holder.
	Voided.	Typically occurs when a direct debit transaction is processed and refunded on the same day.

Tip: Credit Card Updater from Blackbaud Merchant Services is included in your rate and reduces declines in recurring giving by updating your supporters' credit cards automatically. For more information, see Credit Card Updater.