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3.
What to do if a card transaction is declined?
If the payment is declined, you should not provide goods/services to the
customer, as the payment could not be completed. Tell the customer that the
transaction was declined and ask the customer to pay with another card or
by other means (cash).
Please have reference to the most frequent decline codes below.
01
Decline. The customer's bank (Card Issuer) has indicated that there is a
problem with the card. Ask the cardholder to pay with a different card or in
cash and recommend the customer to contact the bank.
02
Decline. The customer's bank (Card Issuer) has indicated that there is a
problem with the card. Ask the cardholder to pay with a different card or in
cash, and recommend the customer to contact their bank. It is strongly
advised that the customer should call the First Data Customer Service center
to clarify the reason as to why the card was declined.
04
Pick–up card.
41
Pick–up, lost card
43
Pick–up, stolen card
Inform the cardholder that customer's bank (Card Issuer) has declined the
transaction and instructed you to retain the card that the cardholder has not
paid for the purchase, ask the cardholder to pay with another card or in cash
21
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