Network decline codes
Learn about network decline codes and how to resolve them when a charge fails.
Network decline codes are typically alphanumeric error codes that indicate a reason for a payment decline. These codes often come from issuing banks, payment processors, or credit networks. Use the following table to help resolve issues relating to network decline codes:
| Raw network code | Decline code | Explanation | Next steps |
|---|---|---|---|
R01, R09 | insufficient_ | The payment process can’t be completed because your customer’s bank account doesn’t have the necessary funds. | Contact your customer to verify that they have the required funds, then retry the transaction. |
R02 | bank_ | The payment can’t be processed because your customer’s bank account is closed. | Contact your customer to provide new account details, then retry the transaction. |
R03, R04 | bank_ | The transaction can’t be processed because the bank account information that your customer provided is incorrect. | Contact your customer for correct account details, then retry the transaction. |
R05, R07, R08, R10, R11, R29, R31 | debit_ | This payment doesn’t have an authorized mandate. | Collect a new mandate, then retry the transaction. |
R15 | recipient_ | The attempt to set up a mandate is made on the account of a potentially deceased individual. | Verify your customer’s status, then retry the transaction. |
R16 | bank_ | The payment can’t be processed because your customer’s bank account is frozen. | Contact your customer to provide new account details, then retry the transaction. |
R20 | bank_ | The payment can’t be processed because your customer’s bank has blocked direct debits, either by the bank’s actions or your customer’s. | Contact your customer to understand the reason for the block. If the bank unblocks the account, retry the transaction. |