Decline code 85: not declined (verification only)

What decline code 85 means

Returned on zero-amount account verification requests to indicate the card is valid. Not a decline.

Should you retry?

No action needed. The card can be stored and charged.

Frequently asked questions

Is decline code 85 a soft or hard decline?

Informational. Returned on zero-amount account verification requests to indicate the card is valid. Not a decline.

Should I retry a payment that failed with decline code 85?

No action needed. The card can be stored and charged.

Other response codes

• 75 Allowable number of PIN tries exceeded
• 79 Life cycle
• 82 Policy
• 83 Fraud / security
• 91 Issuer or switch inoperative
• 92 Unable to route transaction
• 94 Duplicate transaction
• 96 System malfunction
• All decline codes

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