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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 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.

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