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 one of the following errors:
“error”: “processing_error”, “error_description”: “Unable to charge payment method: general decline”, “error_code”: 2004
Please note that the error code could also be any of the following: 1008, 2002, 2003, 2005, 2006, 2007, 2008, or 200.
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.