Decline code 01: refer to card issuer

What decline code 01 means

The issuer wants the cardholder to contact them before the transaction can go through. Often a security hold or an unusual-activity flag.

Should you retry?

Do not machine-retry. Ask the customer to contact their bank or to supply another payment method.

Equivalent codes

• Stripe decline code: call_issuer

Frequently asked questions

Is decline code 01 a soft or hard decline?

Soft decline (retryable). The issuer wants the cardholder to contact them before the transaction can go through. Often a security hold or an unusual-activity flag.

Should I retry a payment that failed with decline code 01?

Do not machine-retry. Ask the customer to contact their bank or to supply another payment method.

Other response codes

• 51 Insufficient funds
• 61 Exceeds withdrawal amount limit
• 65 Exceeds withdrawal frequency limit
• 05 Do not honor
• 03 Invalid merchant
• 04 Capture card
• 12 Invalid transaction
• 13 Invalid amount
• All decline codes

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