Decline code 96: system malfunction

What decline code 96 means

A technical error occurred somewhere between the acquirer, the network and the issuer.

Should you retry?

Retry after a short delay. Treat it like code 91.

Equivalent codes

• Stripe decline code: processing_error

Frequently asked questions

Is decline code 96 a soft or hard decline?

Soft decline (retryable). A technical error occurred somewhere between the acquirer, the network and the issuer.

Should I retry a payment that failed with decline code 96?

Retry after a short delay. Treat it like code 91.

Other response codes

• 85 Not declined (verification only)
• 91 Issuer or switch inoperative
• 92 Unable to route transaction
• 94 Duplicate transaction
• 51 Insufficient funds
• 61 Exceeds withdrawal amount limit
• 65 Exceeds withdrawal frequency limit
• 05 Do not honor
• All decline codes

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