When a payment fails, PowerTranz returns an ISO response code indicating the reason. Here are the most common codes and how to resolve them.
Approval Codes
| Code | Meaning |
|---|
| 00 | Approved – Transaction successful |
Decline Codes
| Code | Meaning | Resolution |
|---|
| 05 | Do Not Honor | Customer should contact their bank or try a different card |
| 12 | Invalid
Transaction | Check transaction parameters; may indicate 3DS failure |
| 14 | Invalid Card Number | Verify the card number is entered correctly |
| 51 | Insufficient Funds | Customer needs to use a different
card or add funds |
| 54 | Expired Card | Customer should use a non-expired card |
| 55 | Incorrect PIN | Customer entered wrong PIN (if applicable) |
| 61 | Exceeds Withdrawal
Limit | Transaction amount exceeds card limit |
| 65 | Activity Limit Exceeded | Too many transactions; try again later |
Technical Error Codes
| Code | Meaning | Resolution |
|---|
| 91 | Issuer Unavailable | Temporary issue; try again in a few minutes |
| 96 | System
Malfunction | Temporary issue; try again later |
| 97 | Host Format Error | Check request parameters; contact support if persists |
| 98 | No Sharing | Card network routing issue; contact
PowerTranz |
3DS Response Codes
| Code | Meaning | Resolution |
|---|
| 3D0 | 3DS Frictionless – Proceed | Authentication successful, continue payment |
| 3D1 | 3DS Not
Supported | Card or issuer doesn’t support 3DS |
| 3D5 | 3DS Fingerprinting Required | Device fingerprint step needed (handled automatically) |
| 3D6 | 3DS Challenge Required | Customer must complete challenge
authentication |
CVV Response Codes
| Code | Meaning |
|---|
| M | CVV Match |
| N | CVV No Match |
| P | Not Processed |
| U | Issuer Unable to
Process |
What To Do When Payments Fail
- Check the order notes in WooCommerce for the specific error code
- Look up the code in the tables above
- For customer-related issues (05, 51, 54), advise the customer to try a different card or contact their bank
- For technical issues (91, 96, 97), wait a few minutes and try again
- If issues persist, enable Debug Mode and contact support
