Decline code 92: unable to route transaction

What decline code 92 means

The network could not find a route to the issuer, usually a temporary infrastructure or BIN configuration problem.

Should you retry?

Retry after a delay. If it persists, raise it with your acquirer.

Frequently asked questions

Is decline code 92 a soft or hard decline?

Soft decline (retryable). The network could not find a route to the issuer, usually a temporary infrastructure or BIN configuration problem.

Should I retry a payment that failed with decline code 92?

Retry after a delay. If it persists, raise it with your acquirer.

Other response codes

• 82 Policy
• 83 Fraud / security
• 85 Not declined (verification only)
• 91 Issuer or switch inoperative
• 94 Duplicate transaction
• 96 System malfunction
• 51 Insufficient funds
• 61 Exceeds withdrawal amount limit
• All decline codes

Reference information for merchants. Network rules and fee schedules change; confirm current figures with your acquirer. Mastercard is a registered trademark of Mastercard International Incorporated, which does not sponsor or endorse this service.