Primer's Unified Mapping Standard

We unify the decline codes across all processors and payment methods we integrate with so you only have to understand them in one way. This guide will outline how we map issuer decline reasons.

See here for an overview of what decline codes are and how they’re defined on Primer.

How does Primer approach this?

Where possible, we map our decline reasons to the raw response codes that the issuers provide that are defined by the card networks (e.g. Visa and Mastercard). If the raw response code isn’t returned by the processor, we use the processor response code.

Primer exposes the underlying decline codes for selected payment methods, card networks, and processors to enable you to analyze them in a unified way.Head over to the Payment method decline codes guide to learn more.

Mapping Standard

Only showing for Mastercard & Visa.

Raw response code	Card Network(s)	Decline Type	Decline Reason
01: Refer to card issuer	Mastercard	`SOFT_DECLINE`	`REFER_TO_CARD_ISSUER`
03: Invalid merchant	Mastercard Visa	`HARD_DECLINE`	`ERROR`
04: Pickup card (no fraud) [Visa] / Capture card [Mastercard]	Mastercard Visa	`HARD_DECLINE`	`LOST_OR_STOLEN_CARD`
05: Do not honor	Mastercard Visa	`SOFT_DECLINE`	`DO_NOT_HONOR`
07: Pickup card, special conditions	Visa	`HARD_DECLINE`	`LOST_OR_STOLEN_CARD`
12: Invalid transaction	Mastercard Visa	`HARD_DECLINE`	`ERROR`
13: Invalid amount	Mastercard	`HARD_DECLINE`	`ERROR`
14: Invalid card number	Mastercard Visa	`HARD_DECLINE`	`INVALID_CARD_NUMBER`
15: No such issuer	Mastercard Visa	`HARD_DECLINE`	`ERROR`
19: Re-enter transaction	Visa	`SOFT_DECLINE`	`ISSUER_TEMPORARILY_UNAVAILABLE`
30: Format error	Mastercard	`SOFT_DECLINE`	`DECLINED`
41: (Pickup card) lost card	Mastercard Visa	`HARD_DECLINE`	`LOST_OR_STOLEN_CARD`
43: (Pickup card) stolen card	Mastercard Visa	`HARD_DECLINE`	`LOST_OR_STOLEN_CARD`
46: Closed Account	Visa	`HARD_DECLINE`	`ERROR`
51: Insufficient funds / Not Sufficient Funds	Mastercard Visa	`SOFT_DECLINE`	`INSUFFICIENT_FUNDS`
54: Expired card / Expiration date missing	Mastercard Visa	`HARD_DECLINE`	`EXPIRED_CARD`
57: Transaction not permitted to issuer/cardholder	Mastercard Visa	`HARD_DECLINE`	`ERROR`
58: Transaction not permitted to acquirer	Mastercard	`HARD_DECLINE`	`ERROR`
59: Suspected fraud	Visa	`HARD_DECLINE`	`SUSPECTED_FRAUD`
61: Exceeds withdrawal amount limit(s) / Exceeds approval amount limit	Mastercard Visa	`SOFT_DECLINE`	`WITHDRAWAL_LIMIT_EXCEEDED`
62: Restricted card	Mastercard Visa	`HARD_DECLINE`	`ERROR`
63: Security violation	Mastercard	`SOFT_DECLINE`	`REFER_TO_CARD_ISSUER`
65: Exceeds Withdrawal Frequency Limit	Mastercard Visa	`SOFT_DECLINE`	`WITHDRAWAL_LIMIT_EXCEEDED`
65: Authentication required	Mastercard	`SOFT_DECLINE`	`AUTHENTICATION_REQUIRED`
70: Contact card issuer	Mastercard	`SOFT_DECLINE`	`REFER_TO_CARD_ISSUER`
76: Invalid/non-existent “To Account” specified	Mastercard	`HARD_DECLINE`	`ERROR`
77: Invalid/non-existent “From Account” specified	Mastercard	`HARD_DECLINE`	`ERROR`
78: Invalid/nonexistent account specified (general)	Mastercard	`HARD_DECLINE`	`ERROR`
78: Blocked, first used	Visa	`SOFT_DECLINE`	`REFER_TO_CARD_ISSUER`
79: Lifecycle	Mastercard	`HARD_DECLINE`	`ERROR`
82: Policy	Mastercard	`HARD_DECLINE`	`ERROR`
83: Fraud / Security	Mastercard	`HARD_DECLINE`	`SUSPECTED_FRAUD`
84: Invalid Authorization Lifecycle	Mastercard	`HARD_DECLINE`	`ERROR`
88: Cryptographic failure	Mastercard	`HARD_DECLINE`	`ERROR`
91: Issuer unavailable or switch inoperative	Mastercard Visa	`SOFT_DECLINE`	`ISSUER_TEMPORARILY_UNAVAILABLE`
92: Unable to route transaction	Mastercard	`SOFT_DECLINE`	`DECLINED`
93: Transaction cannot be completed; violation of law	Visa	`HARD_DECLINE`	`ERROR`
96: System malfunction	Mastercard Visa	`SOFT_DECLINE`	`ISSUER_TEMPORARILY_UNAVAILABLE`
R0: Stop Payment Order	Visa	`HARD_DECLINE`	`ERROR`
R1: Revocation of Authorization Order	Visa	`HARD_DECLINE`	`ERROR`
R3: Revocation of all authorization orders	Visa	`HARD_DECLINE`	`ERROR`
N7: Decline for CVV2 Failure	Visa	`HARD_DECLINE`	`ERROR`
1A: Additional Customer Authentication Required (Europe only)	Visa	`SOFT_DECLINE`	`AUTHENTICATION_REQUIRED`

​How does Primer approach this?

​Mapping Standard

How does Primer approach this?

Mapping Standard