What is error code 91 on credit card? (2024)

What is error code 91 on credit card?

If you find yourself in a situation where you see error code 91, it means issuer or switch inoperative. In simpler terms, this means that the card issuer was unavailable. For some reason, the credit card terminal you're using could not contact the issuing bank.

What is declined response code 91?

The customer's card issuer is unable to be contacted to authorise the transaction. The customer should attempt to process this transaction again. If the problem persists, there may be an issue with the card issuing bank, and the cardholder should contact their bank.

What is auth response code 91?

91 – Issuer or switch is unavailable

The authorization communication failed for no specific reason. Try it again. If the transaction still won't go through, contact your payment processor or the relevant issuing bank.

What is the error code for credit card declined?

While there are dozens of different card decline codes currently active, the most commonly used codes are as follows: 05 (Do not honor), 14 (Invalid card number), 41 (Lost card, pick up), 43 (Stolen card, pick up), 51(Insufficient funds), 54 (Expired card), 61 (Exceeds issuer withdrawal limit), 65 (Activity limit ...

What is credit card response codes?

A transaction response code is the message you receive during a credit card transaction. When you attempt a transaction, your payment processor will notify the card issuer to authorize the payment.

Why is my card declining when I have money?

There are several reasons why a debit card may be declined even if you have money in your account. Common reasons include travel and reaching your daily purchase limit. Stay on top of your cards and consider using budgeting apps to help avoid debit card denial.

Why is my credit card declined when I have money?

Some common reasons that your credit card might get declined include having the card's credit limit maxed out, accidentally triggering the card's fraud protections and even entering incorrect payment information on a website.

What does auth failed mean on a credit card?

There are lot of things the reason why the authentication failed. It can be either the card holder input incorrect authentication detail (such as; wrong OTP) or because the issuer decline the authentication due to their on reason.

What is a forced authorization code on a credit card?

What Is a Forced Authorization? If a transaction is declined for reasons other than insufficient funds, a merchant can contact the issuer to get a forced authorization code, which overrides the decline response. However, entering a forced authorization code without issuer approval can result in a chargeback.

What does card authorization error mean?

If a charge is not authorized, it usually means that there is a problem with the account or that you are at, near, or over your credit limit. Usually, when you use your credit card at a store the merchant obtains authorization from the card issuer.

What is invalid merchant decline code?

03 - Invalid merchant: The merchant may not have configured their payment processor software correctly. 41 or 43 - Pick up card, lost or stolen: The card has been reported lost or stolen, and the issuer is asking the merchant to keep the card, if possible, and call them.

What is a successful response code?

The HTTP 200 OK success status response code indicates that the request has succeeded. A 200 response is cacheable by default. The meaning of a success depends on the HTTP request method: GET : The resource has been fetched and is transmitted in the message body.

What causes do not honor decline?

In the most obvious case, it's because a card has been reported missing or stolen. But there are other reasons a bank may choose to respond cautiously. These include: uncharacteristic purchases, transactions attempted at unusual times of the day, and purchases attempted in unexpected locations.

What is response code?

HTTP response status codes (or simply status codes) are three-digit codes issued by a server in response to a browser-side request from a client. These status codes serve as a means of quick and concise communication on how the server worked on and responded to the client's request.

How do I stop my card from declining?

How do I know if my card is blocked?

If your card is declined or the transaction is unsuccessful, it could be a sign that your card is blocked. You can also check your online banking or call your bank's customer service line to see if there are any restrictions or blocks on your card.

How do I know if my card is suspended?

Call the number on the back of your card to inquire about the status of your account. If inactive, customer service can likely reactivate.

Why is my card not working for online purchases?

You entered your card information incorrectly. You have an old address or phone number still on file. You reached your credit limit. Your card has expired.

How do I unlock my credit card?

To unblock your credit card, you will have to contact your bank by following various online and offline methods. To unblock your credit card online, you can visit your bank's mobile application or official website and apply for 'reissue' or 'reactivation' of your credit card.

Why is my credit card restricted?

Your credit card might be suspended or restricted because the card hasn't been activated, there have been unusual transactions or payments are late. It's a good idea to contact your credit card issuer to learn why your card has been suspended or restricted.

What causes authorization failed?

"Authorization Failed" is an error message that appears on the MT4/MT5 account after you enter your your login credentials incorrectly. You will need to double-check your credentials before logging in. You will need to check if your Login ID is accurate. You will need to check your password is correct.

Why am I getting an authentication failed error?

Authentication failure occurs when the request to a resource is missing or has invalid credentials.

What to do if authentication failed?

Unplug the device from power, or restart using the power button. Head back to factory settings. On an Android device, head to "Settings" and "Backup and Reset." Turn on "Automatic Restore," and then tap "Reset Phone." On iOS, Go to Settings > General > Transfer or Reset iPhone. Then tap Erase All Content and Settings.

What is authorization response code 19?

The transaction has not been processed and the customer should attempt to process the transaction again. No further information is provided from the bank as to the reason why this was not processed.

What is the authorization code for a transaction?

An authorization code is a combination of numbers and sometimes letters, issued by a card-issuing bank. This code signifies a hold for funds against your customer's balance. All approved transactions receive an authorization code.