There are several reasons why a card may be declined, including insufficient funds, a card that has expired, or additionally, it may decline a card due to a mismatch in the billing address or incorrect card details entered by the customer. It is important for consumers to regularly check their account balance, ensure their card details are up to date, and be aware of any potential fraudulent activity to avoid declined transactions.
In the list below, we will explore some of the most common declined card errors, including their possible causes and suggestions on how to resolve them.
- 2000: Do Not Honor
- 2001: Insufficient Funds
- 2004: Expired Card
- 2015: Transaction Not Allowed
- 2046: Processor Declined
- Gateway Rejected - Fraud
2000: Do Not Honor
A generic bank response which simply indicates that the bank is not willing to accept the transaction. The transaction may be declined due to a high level of recent activity on a card, a lack of matching AVS information, the card is over its limit or a range of other reasons known only to your bank.
When a transaction is declined with a Do not honor error message, it is essential to contact the card issuer or bank to determine the reason for the decline. In some cases, the card may have been reported as lost or stolen, or the account may have been frozen due to unusual activity. Once the issue has been resolved, the transaction can typically be retried.
2001: Insufficient Funds
This message is typically displayed when the cardholder's account balance is not enough to cover the transaction amount, including any applicable fees or taxes. This may be a temporary situation and the transaction may go through on another date.
When a transaction is declined due to insufficient funds, it is essential to check the account balance and ensure that enough funds are available before retrying the transaction. Overdraft protection or a line of credit linked to the account may be available to prevent declines due to insufficient funds.
2004: Expired Card
This message indicates the expiration date on the card has passed, and the card is no longer valid for use.
When a transaction is declined due to an expired card, it is essential to check the expiration date and ensure that a new card has been issued and activated. Many banks and credit card companies automatically issue new cards before the expiration date, but it's important to verify that the new card has been received and activated.
2015: Transaction Not Allowed
This response indicates that the card-issuing bank is declining the transaction for unspecified reasons. The response doesn't necessarily indicate that there is a problem with the card; however, it does indicate that the bank won't approve this transaction.
When a transaction is declined due to Transaction not allowed, it is essential to contact the card issuer or bank to determine the reason for the decline. In some cases, the card may be restricted for certain types of purchases, such as online or international transactions.
2046: Processor Declined
A fairly generic response that many issuing banks will send back when declining a transaction. The transaction may be declined due to a high level of recent activity on a card, a lack of matching AVS information, the card is over its limit or a range of other reasons known only to your bank.
When a transaction is declined due to Processor declined, it is essential to contact the card issuer or bank to determine the reason for the decline.
Gateway Rejected - Fraud
This error usually means that the card has another issue listed above. If you keep attempting payments with the same declined card, the card will become blocked for fraud.
Resolve the error by identifying any issues listed above and wait 24 hours before attempting payment again.
If you encounter any issues, feel free to reach us via support@getjoan.com or submit a ticket via this form.