Common Credit Card Transaction Response Codes Explained

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Common Credit Card Transaction Response Codes Explained

Last updated on Dec 29, 2025

This guide compiles common credit card transaction response codes and provides detailed explanations—including in-depth analysis of the "Do Not Honor" code—to help you quickly resolve payment failures.

1. Core Code: "Do Not Honor" (Code: 80010)

Basic Information

- **Response Code**: 80010

- **Description**: Transaction Do Not Honour

Detailed Reasons for Rejection

The "Do Not Honor" message means the card-issuing bank refuses to authorize the transaction. It is often used as a default rejection reason, with specific causes including:

1.1 Insufficient Funds

- This is the most common cause—"Do Not Honor" often acts as a substitute for "Insufficient Funds" when the issuer/processor fails to send a precise message.

- The cardholder’s available balance or credit limit is less than the transaction amount.

1.2 Credential Discrepancy

- Mismatch between **AVS (Address Verification Service)** or **CVC (Card Verification Code)** information:

- AVS mismatch: The billing address entered during payment does not match the address registered with the bank.

- CVC error: The 3/4-digit security code on the card is entered incorrectly.

- Since there is no unified rejection message for credential mismatches, issuers use "Do Not Honor" as the default.

1.3 Potential Fraud Risk

- The bank flags the transaction as suspicious to protect the cardholder. Common scenarios include:

- The card has been reported lost or stolen.

- Unusual purchase patterns (e.g., a sudden large-value transaction, purchases in a location far from the cardholder’s usual area).

- Transactions attempted at abnormal times (e.g., late at night when the cardholder rarely uses the card).

- Note: Some issuers may use the specific code "59: Suspected Fraud" internally, but it is automatically converted to "Do Not Honor" to avoid conflicts between merchants and customers.

1.4 Recent Cardholder Activity

- The cardholder has made multiple high-risk transactions before your order:

- Large purchases from other merchants shortly before.

- Payments to high-risk websites (e.g., unregistered overseas platforms).

- A "shopping spree" that exceeds the card’s usual usage frequency/amount.

- The bank temporarily restricts further transactions to prevent overspending or fraud.

Recommended Actions

1. **Retry the payment**: The bank may authorize the transaction if you retry (e.g., temporary system delays).

2. **Verify card details**: Confirm the billing address, CVC code, and card expiration date are entered correctly.

3. **Contact the card issuer**: Advise the cardholder to call the 800 number on the back of the card to resolve restrictions (e.g., lift fraud alerts, increase credit limits).

4. **Switch to another payment method**: Suggest using a different credit card, PayPal, or bank transfer.

2. Other Common Credit Card Response Codes

2.1 Refer to Card Issuer (Code: 80011)

- **Response Code**: 80011

- **Description**: Refer to Card Issuer

- **Reference Note**: Sorry, your card is unable to authorised. If you entered the correct information, please use a different card or call your card issuer or use different payment method.

- **Recommended Actions**:

1. Retry the payment (temporary bank system issues may be resolved).

2. Ask the cardholder to call their bank to confirm the reason (e.g., account restrictions, pending verification).

3. Switch to an alternative credit card or payment method (e.g., PayPal).

2.2 Payment Declined (Code: 80012)

- **Response Code**: 80012

- **English Description**: Payment Declined

- **Recommended Actions**:

1. Retry the transaction (avoid duplicate order IDs if retrying).

2. Verify the card is not expired and has sufficient funds.

3. Use a different payment method (e.g., bank transfer for large orders).

2.3 High Risk (Code: 10000)

- **Response Code**: 10000

- **Description**: Payment is declined

- **Reference Note**: Your payment request is declined, please contact customer service.

- **Recommended Actions**:

- Contact Justway Customer Service directly with your order number—our team will verify the transaction risk level and assist with resolution.

2.4 Card Transaction Limit (Code: 10005)

- **Response Code**: 10005

- **Description**: Transaction limit

- **Reference Note**: Sorry, your card is unable to authorised. If you entered the correct information, please use a different card or call your card issuer or use different payment method.

- **Recommended Actions**:

- The card has been restricted by the bank after a previous failed payment. Advise the cardholder to:

1. Call the bank to lift transaction limits.

2. Use a different credit card for payment.

2.5 Unsupported Card/Payment Method (Code: 30001)

- **Response Code**: 30001

- **Description**: Card brand or payment method is not accepted

- **Reference Note**: Sorry, the card type is not supported. Please change a credit card.

- **Recommended Actions**:

1. Try a major card brand (Visa, Mastercard, American Express, Discover, Diners Club—supported via PayPal).

2. Contact Justway to request activation of your preferred card brand (we prioritize integrating new methods based on customer demand).

2.6 3D Authentication Failure (Code: 80091)

- **Response Code**: 80091

- **Description**: Cardholder Fail to Pass 3D Authorized Service

- **Recommended Actions**:

1. Confirm the 3D secure code (sent via SMS/email by the bank) is entered correctly.

2. Check if the cardholder’s phone/email can receive verification codes (avoid network delays).

3. Switch to a card that supports 3D authentication or use PayPal.

2.7 Bank Risk System Rejection (Code: 80070)

- **Response Code**: 80070

- **Description**: Declined By Bank Risk System

- **Recommended Actions**:

1. Advise the cardholder to call their bank to confirm if the transaction is blocked by the risk system.

2. Use an alternative payment method (e.g., bank transfer) for large or high-value orders.

2.8 Duplicate Order (Code: 20061)

- **Response Code**: 20061

- **Description**: Duplicate order

- **Recommended Actions**:

1. Check if the order has already been paid successfully (via your Justway account > Order List).

2. If unpaid, wait 10–15 minutes before retrying to avoid duplicate requests.

3. General Tips for Resolving Credit Card Payment Failures

1. **Verify Basic Information First**: Always confirm the card number, expiration date, CVC code, and billing address are correct.

2. **Retry Strategically**: Retry once after 5–10 minutes (temporary system glitches are common).

3. **Contact the Card Issuer**: Most rejection reasons (e.g., fraud alerts, limits) can only be resolved by the cardholder’s bank.

4. **Switch Payment Methods**: For persistent failures, use PayPal (supports major cards) or bank transfer (cost-effective for large orders).

If you encounter an unlisted response code or need further assistance, contact Justway Customer Service at service@justway.com with your order number and a screenshot of the error message—we will respond within 24 business hours.

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Help Center

Common Credit Card Transaction Response Codes Explained

1. Core Code: "Do Not Honor" (Code: 80010)

Recommended Actions

2. Other Common Credit Card Response Codes

3. General Tips for Resolving Credit Card Payment Failures