Why was my client's credit card declined?

MassageBook integrates with Stripe for credit card processing. When a charge is submitted to the bank or card issuer of your customer’s card, automated systems determine whether or not the card issuer will authorize the transaction. These systems take various signals into account, such as your customer’s spending habits, account balance, fraud prevention efforts, and card information like the expiration date and CVC.

If your customer’s bank or card issuer declines a payment, Stripe shares with you as much information explaining the decline as they receive (such as the card number or expiration date being incorrect, or that the customer does not have enough funds available to make the payment), and that message sent from your client's bank, to Stripe, will display in MassageBook. 

We understand that a declined card is never an ideal situation for you or your client. In fact, it can be quite awkward. But, if a charge is declined, its because the bank is signaling that the card cannot be processed, not Stripe or MassageBook. Unfortunately, most declines are categorized as “generic” so it’s not always possible to know exactly why a payment was declined. If all of the card information seems correct, it is best to have your customer contact their bank and ask for more information. For privacy and security, banks and card issuers can only discuss the specifics of a declined payment with their cardholders–they cannot discuss this with the merchant. Should your clients card be declined, please reference the most common bank decline codes issued to Stripe below.

Bank declined codes:

card_not_supported The card does not support this type of purchase.
do_not_honor The card has been declined for an unknown reason.
do_not_try_again The card has been declined for an unknown reason.
duplicate_transaction A transaction with identical amount and credit card information was submitted very recently.
expired_card The card has expired.
fraudulent The payment has been declined as Stripe suspects it is fraudulent.
generic_decline The card has been declined for an unknown reason.
incorrect_number The card number is incorrect.
incorrect_cvc The CVC number is incorrect.
incorrect_pin The PIN entered is incorrect. This decline code only applies to payments made with a card reader.
incorrect_zip The ZIP/postal code is incorrect.
insufficient_funds The card has insufficient funds to complete the purchase.
invalid_account The card, or account the card is connected to, is invalid.
invalid_amount The payment amount is invalid, or exceeds the amount that is allowed.
invalid_cvc The CVC number is incorrect.
invalid_expiry_year The expiration year invalid.
invalid_number The card number is incorrect.
invalid_pin The PIN entered is incorrect. This decline code only applies to payments made with a card reader.
issuer_not_available The card issuer could not be reached, so the payment could not be authorized.
lost_card The payment has been declined because the card is reported lost.
new_account_information_available The card, or account the card is connected to, is invalid.
no_action_taken The card has been declined for an unknown reason.
not_permitted The payment is not permitted.
pickup_card The card cannot be used to make this payment (it is possible it has been reported lost or stolen).
processing_error An error occurred while processing the card.
reenter_transaction The payment could not be processed by the issuer for an unknown reason.
restricted_card The card cannot be used to make this payment (it is possible it has been reported lost or stolen).
stolen_card The payment has been declined because the card is reported stolen.
transaction_not_allowed The card has been declined for an unknown reason.
try_again_later The card has been declined for an unknown reason.
withdrawal_count_limit_exceeded The customer has exceeded the balance or credit limit available on their card.


"Your card does not support this type of purchase."
:

  1. Some debit cards require a PIN to be entered. If the cardholder is trying to use one of these cards, they'll need to use another card to make the purchase or you'll need to attempt to process the card information manually, as restrictions may vary for swiped vs. manually entered cards.
  2. Some banks and credit unions prevent a card from being swiped if the card has a chip. MassageBook's mobile credit card processor is currently developing the technology to dip the card. If this is the reason for the error, you'll need to enter the card number manually. 
  3. Additionally, some cards have restrictions on cross-border usage. If the card was issued in a state or country other than where your business is located, this might be the problem. Your client should contact their card issuer to approve credit transactions attempted by your business. 
  4. Lastly, HSA, FSA, and certain corporate cards can only be used for specific business categories, like travel or healthcare. MassageBook uses MCC 8099 for HSA and FSA cards. If a client's HSA or FSA card is declined, they should contact their card issuer and ensure that their card is included under MCC 8099.

"Data wasn't parsed. Try again." or "Invalid Swipe Data":

This error (displayed on swiped transactions only) signals that the card reader did not return all data (card number, expiration date, card holder name, etc.) necessary for processing the transaction. If you receive this message, ensure that your card reader is fully charged and attempt to swipe the card again. If the data still cannot be read, enter the card information manually as the client's magnetic strip could be damaged, rendering the data unreadable by the swiper. 

 

 

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