What is a general decline?

Authorization can fail on a checkout or credit card for a number of reasons, but the most common cause is a general decline. When this happens, we return the following error:


“error”: “processing_error”, “error_description”: “Unable to charge payment method: general decline”, “error_code”: 2004


Usually, this means that the issuing bank declined the transaction but didn’t tell us why. The most common reasons are:

  • Address (AVS) or ZIP mismatch
  • Invalid CVV/Expiration date
  • Transaction timing out
  • Insufficient funds
  • Restrictions on the card itself
  • Fraud or risk decision

In the event of a general decline, we recommend having the payer reach out to their issuing bank to verify their information and try the payment again.

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