Common Decline Codes

Here are some of the more common decline codes and how to address them.

Response Code		Terminal Response	Action to Take
	1	Call Center	Call for voice Authorization.
	2	Call Center 02	Call for voice Authorization.
	4	Hold - Call 04	Retain the card and call voice authorization for more information.
	5	Decline 05	Do Not Honor. You can call voice authroization for more information.
	6	Decline AVS	Error. There was an issue with some AVS information not macthing.
	41	Hold - Call 41	Lost card, pick up. Call the issuing bank of the card for more information. Stolen card, pick up.
	43	Hold - Call 43	Call the issuing bank of the card for more information.
	51	Declined 51	Insufficient Funds

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Pinnacle Processing Group, Inc.
a registered ISO/MSP of
Merrick Bank, South Jordan, Utah.
FDIC Insured.