Adyen Visa and Mastercard raw responses

The transaction was canceled after being initially approved by the issuer. This can occur for various reasons, such as the shopper returning goods after purchase.

The transaction was refused by the card issuer. The shopper should contact their bank for clarification and can try again after resolving the issue or use another payment method.

The transaction was refused by the card issuer. The shopper should contact their bank for clarification and can try again after resolving the issue or use another payment method.

The card issuer requests to retain the card, possibly due to a suspected counterfeit or stolen card. This reason is used in an ecommerce environment although it originates from an in-person payments environment.

This is a generic refusal with several possible causes. The shopper should contact their issuing bank for clarification.

The payment could not be authorized and resulted in an error. The shopper can try again or use another payment method.

The card issuer requests to retain the card, possibly due to a suspected counterfeit or stolen card.

The transaction is invalid. The shopper should contact their issuing bank for clarification.

The card number is incorrect or does not exist. The shopper should verify the card details or use another payment method.

The card issuer does not exist. The shopper should verify the card details or use another payment method.

The card has been reported lost. The shopper should contact their issuing bank for clarification.

The card has been reported stolen. The shopper should contact their issuing bank for clarification.

The account has been closed. The shopper should contact their issuing bank for clarification.

There are insufficient funds in the account. The shopper should ensure sufficient funds are available or use another payment method.

The card has expired. The shopper should use a valid card or another payment method.

The entered PIN is incorrect. The shopper should retry with the correct PIN or contact their issuing bank.

The transaction is not permitted for the cardholder. The shopper should contact their issuing bank for clarification.

The transaction is suspected of fraud. The shopper should contact their issuing bank for clarification.

The transaction amount exceeds the withdrawal limit. The shopper should contact their issuing bank for clarification.

The card is restricted. The shopper should contact their issuing bank for clarification.

The transaction exceeds the allowed withdrawal frequency. The shopper should contact their issuing bank for clarification.

The allowable number of PIN entry attempts has been exceeded. The shopper should contact their issuing bank for clarification.

The card is blocked. The shopper should contact their issuing bank for clarification.

The card authentication failed. The shopper should contact their issuing bank for clarification.

There was an ATM malfunction. The shopper should try again or use another payment method.

The card issuer or switch is inoperative. The shopper should try again later or use another payment method.

The transaction cannot be completed. The shopper should contact their issuing bank for clarification.

There was a system malfunction. The shopper should try again or use another payment method.

The cash service is not available. The shopper should try again later or use another payment method.

The cash request exceeds the issuer's limit. The shopper should contact their issuing bank for clarification.

The CVV2 verification failed. The shopper should verify the card details and try again or use another payment method.

A stop payment order is in effect. The shopper should contact their issuing bank for clarification.

The authorization has been revoked. The shopper should contact their issuing bank for clarification.

All authorizations have been revoked. The shopper should contact their issuing bank for clarification.

The transaction needs to be forwarded to the issuer. The shopper should contact their issuing bank for clarification.

The transaction needs to be forwarded to the issuer. The shopper should contact their issuing bank for clarification.

The system is unable to go online. The shopper should try again later or use another payment method.