Decline code 55: incorrect pin

What decline code 55 means

The PIN entered does not match. Relevant to card-present and some debit flows, not to recurring card-on-file billing.

Should you retry?

Ask the cardholder to re-enter the PIN. Not applicable to merchant-initiated retries.

Frequently asked questions

Is decline code 55 a soft or hard decline?

Soft decline (retryable). The PIN entered does not match. Relevant to card-present and some debit flows, not to recurring card-on-file billing.

Should I retry a payment that failed with decline code 55?

Ask the cardholder to re-enter the PIN. Not applicable to merchant-initiated retries.

Other response codes

• 14 Invalid card number
• 41 Lost card
• 43 Stolen card
• 54 Expired card
• 57 Transaction not permitted to cardholder
• 58 Transaction not permitted to terminal
• 62 Restricted card
• 63 Security violation
• All decline codes

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