What is decline code 46?

46. Account is closed or needs to be re-validated. The customer's issuing bank is declining transactions due to account closure or a validation issue. Do not attempt to reprocess. The cardholder needs to contact the card-issuing bank to correct the validation issue.

What are decline codes?

A credit card decline code is a message issued in response to a request for authorization during a transaction. This occurs when a payment can't be processed for a specific reason; it may be declined by the processor or payment gateway, or by the customer's issuing bank.

What are the codes for visa card declined?

Why is my card being declined when I have money?

Your card may be declined for a number of reasons: the card has expired; you're over your credit limit; the card issuer sees suspicious activity that could be a sign of fraud; or a hotel, rental car company, or other business placed a block (or hold) on your card for its estimated total of your bill.

Why does it say my card Cannot be processed?

Typically, when a transaction fails after entering credit card information, it is due to differences between the billing address entered and the billing address on file with your card issuer.

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How do I know if my bank card is blocked?

When your card is blocked, you cannot make online payments as it will get declined. Also, the card will not be read by the card reader at the ATM or it will not accept the PIN or decline the transaction again. You can confirm if the card is blocked by calling customer care service or at the bank branch.

Why won t my bank authorize a payment?

It is common for banks to not authorize certain transactions based on their internal policies. The most common reasons for your payment to fail are either filters your bank applies to certain transactions made online, or amount limitations applied to your card.

How do I stop my bank from declining my card?

How do I unblock my debit card?

You can unblock your card by placing a request with your bank. If your card is hot listed, request your bank to issue you a new card. The bank may levy a charge to issue a new Debit Card.

Why does my Visa card keep saying declined?

There are a number of possible reasons why a purchase could be declined: You don't have enough money left on your card. You haven't activated or registered your card. The address you gave to make an online or phone purchase is different from the address you have on file with your prepaid card provider.

Why was my Visa card declined Online?

A credit card may decline for many reasons, such as: You have reached your credit limit. There are pending transactions that have lowered your available credit but have not been applied to the card balance. Payment has not yet been posted to the balance.

Why is my Visa card being declined for international transactions?

“There can be many reasons why an international transaction of an active card is being declined. It may be because of FEMA rules violation, as the user may be doing a prohibited transaction, such as buying lottery tickets, buying banned goods, others,” adds Jhaveri.

What is decline code 44?

The customer's card issuer has declined the transaction as the account type selected is not valid for this credit card number.

What is decline code 56?

The customer's card issuer has declined the transaction as the credit card number does not exist. The customer should use an alternate credit card.

What is decline code 54?

The [54] Expired Card code error indicates the card used to pay your subscription has expired. To fix this issue, submit payment from a different credit card that has not expired. For more information about code errors, see the article: Resolving issues when your credit card fails.

Can I unblock my debit card online?

Can I unblock my ATM card online? Yes, it is possible to unblock your ATM card online if your bank provides the same service. Most of the public and private sector banks have dedicated internet banking and mobile banking channels to provide such banking services online.

Why my debit card is blocked?

Your card may be blocked if you enter the wrong PIN or if there is a fraudulent transaction.

How long does it take to unblock your card?

Sometimes, a blocked debit card can be immediately unblocked. Other times, it may take 24 hours or even a week for the card to be unblocked. However, the maximum amount of time a debit card can be blocked is 15 days.

Can a bank freeze your debit card?

Even still, any reputable bank will monitor your account for fraud-like charges. Anything they deem questionable will result in a temporary hold or freeze of your card.

Can a bank block your debit card?

Normally debit cards can be blocked if there is fraud on the account so the fraudster can't do any more damage to your account. However, there can be times where your card gets blocked because the store you went to has had a high volume of fraudulent charges made at the specific location.

Can the bank block your card?

When Can Your Issuer Decide to Block Your Card? Aside from a hold from a merchant, a card issuer can block or decline charges on your card by freezing your account. The card might be blocked because the card issuer has detected suspicious and possibly fraudulent activity.

Why has my bank declined my authorization?

This generally occurs for one of two reasons: The customer's credit card issuing bank did not approve the transaction. This could be for insufficient funds, frozen account status, invalid credit card number or expiration date, etc.

Why online payment failed?

Additional reasons for online payment failure

Credit or debit card is expired or canceled. The billing address is invalid. The bank flagged the cardholder's account. The customer's credit card is maxed out.

How do I authorize my debit card for online transactions?

Can a bank block your card without notice?

Credit card issuers may close accounts suddenly and without notice. This can be done for several reasons—maybe you haven't used the card in a long time, or you've breached the terms of the card agreement, for example.