05 - Do not honour

05 - Do not honour

This indicates an error or problem from the card issuer. In general the reason for this response code may be any of the following:

  • Suspected Fraud
  • Insufficient Funds
  • Stolen Card
  • Expired Card
  • Invalid CVN
  • Any other rule imposed by the card issuer that causes a decline (e.g. daily limit exceeded, duplicate transaction suspected, etc).

See also: Full List of Credit Card Response Codes