Error Code / Number | Description | Action Required |
05 | Do Not Honor — Transaction declined. | Contact issuing bank; customer to verify. |
14 | Invalid Card Number. | Verify card number; restart transaction. |
51 | Insufficient Funds. | Advise customer to fund account or try later. |
54 | Expired Card. | Request a new card or update details. |
57 | Transaction Not Permitted to Cardholder. | Contact issuer for clarification. |
62 | Restricted Card. | Contact issuer; card may be blocked. |
91 | Issuer or Switch Inoperative. | Retry later; contact support if persistent. |
96 | System Malfunction. | Retry; contact support if issue continues. |
12 | Invalid Transaction. | Verify information; retry. |
61 | Exceeds Withdrawal Limit. | Advise customer of limit; retry later if needed. |
61 or 61x | Exceeds Daily Withdrawal Limit. | Same as above. |
75 | PIN Tries Exceeded. | Customer to contact issuer for PIN reset. |
41 | Card Lost. | Customer advised to report as lost/stolen. |
43 | Card Stolen. | Customer advised to report immediately. |
79 | Card Transaction Blocked or Card Restricted | Advise customer to contact their issuing bank to clarify the issue. The bank can lift restrictions or provide further instructions. |
Credit and Debit Card Error Messages
Updated over a month ago