Why is a customer’s credit card not going through when I have correctly input the information?

When a customer’s credit card declines, there is an error message in the customer’s card. This error message comes directly from the payment processor and helps determine why the credit card got declined. To see the error message, open the customer card and go to the Billing tab > Select the desired Credit Card” > view error message will display after Status.

Go to the payment processor’s website to find more information on specific error messages. Below are some of the common error messages and their reasons:

• Voice Authorization Required: Voice Authorization is a security measure used by the credit card industry to ensure that the actual customer is authorizing a particular purchase. Voice Authorizations are usually triggered by unusually high dollar amount transactions that deviate from the customer’s or merchant’s normal transaction behavior. The user will need to contact the card company to authorize by voice in order to charge the card.
• Duplicate [23] AP DUPE: This error means that the transaction was declined by the payment processor because another payment with the dollar amount has already been charged on that same credit card that day. This is a security measure with the payment processor to prevent accidental duplicate charges on the customer’s credit card. If Element is the payment processor, the user can charge the credit card for the same amount again in 24 hours. Alternatively, the payment amount can be changed by a penny, and it will go through.
• Do Not Honor: This generic response indicates that the customer’s bank is unwilling to accept the transaction. The reasons vary; the customer will need to contact their bank for more information.
• Transaction Not Allowed: This error indicates that the customer’s bank is declining the transaction for unspecified reasons. It doesn’t necessarily mean an issue with the card, but it indicates that the bank won’t approve this transaction.
• Processor Declined or Declined: This generic response indicates that the customer’s bank is unwilling to accept the transaction. The reasons vary; the customer will need to contact their bank for more details.
• Call Issuer. Pick Up Card: This error indicates that the card has been reported as lost or stolen by the cardholder. This should be treated like any other hard decline, and the user should obtain another form of payment from the customer.
• Insufficient Funds: At the time of the transaction, the account did not have sufficient funds to cover the transaction amount. Subsequent attempts may be successful.