Stripe Decline Codes: Complete Guide to Every Error & How to Fix Them
This hub explains the most common Stripe decline codes, why they happen, and what to do next. Use it to improve payment recovery workflows and reduce involuntary churn.
Insufficient Funds
The issuing bank declined the charge because the customer does not have enough available balance or credit.
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Card Declined
A generic card decline from the issuer when no more specific decline code is provided.
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Expired Card
The card expiry date has passed, so the issuer rejects authorization.
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Incorrect Cvc
The CVC entered does not match what the issuer has on file.
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Processing Error
A temporary processing problem occurred at the issuer, network, or acquirer.
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Lost Card
The card has been reported lost and should no longer be used.
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Stolen Card
The issuer marked this card as stolen, so authorization is blocked.
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Fraudulent
The issuer or network flagged the transaction as suspected fraud.
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Card Not Supported
The card cannot be used for this type of transaction.
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Currency Not Supported
The issuer does not support the currency used in the charge.
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Incorrect Number
The entered card number is invalid or does not match a real account.
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Invalid Expiry Month
The card expiration month is invalid (out of range or malformed).
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Invalid Expiry Year
The card expiration year is invalid or outside acceptable range.
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Invalid Cvc
The CVC value format is invalid (for example wrong length).
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Authentication Required
Issuer requires additional customer authentication (usually 3D Secure/SCA) before approving payment.
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Approve With Id
Issuer cannot authorize now without additional cardholder verification.
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Call Issuer
Issuer declined and requests cardholder contact for details.
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Do Not Honor
A broad issuer refusal with limited detail. Commonly used for risk-related declines.
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Generic Decline
The payment was declined and the issuer did not provide a specific reason.
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Invalid Account
The card account is not valid for authorization.
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New Account Information Available
Issuer indicates account details changed and old card data should be replaced.
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No Action Taken
Issuer returned no action/approval for this request, usually due to temporary processing conditions.
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Not Permitted
The issuer does not permit this transaction under current card settings or account controls.
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Pickup Card
Issuer requested card capture and blocked further use of this card.
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Restricted Card
The card has usage restrictions that prevent this payment.
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Revocation Of All Authorizations
Cardholder or issuer revoked all recurring/payment authorizations on the account.
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Revocation Of Authorization
A previously granted authorization for this merchant or payment was revoked.
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Security Violation
Issuer blocked transaction due to security rules or suspicious activity signals.
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Service Not Allowed
Card or issuer settings do not allow this service or transaction channel.
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Transaction Not Allowed
Issuer does not allow this specific transaction.
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Try Again Later
Issuer indicates a temporary issue and suggests retrying later.
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Withdrawal Count Limit Exceeded
The card/account exceeded issuer-imposed transaction count limits.
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