Feb 1, 2023 · The credit card declined code 51 is one of the most common responses a merchant receives. Decline code 51 is the processing response for insufficient funds, or an exceeded credit limit. When you get this decline code, it’s not a good idea to try to process the card again without voice authorization. Jun 8, 2022 · Insufficient funds (Code 51): You don’t have enough money in the accounts associated with your card (both credit and debit cards). Exceeded credit limit (Code 65): Even if you have money in your accounts, you need to pay it down if you’ve exceeded the credit limit for the card before you can use it again. Jun 8, 2021 · For example, a code 51 (insufficient funds) is probably coming from the issuing bank, not the payment processor or gateway. It should be noted that error codes that originate from the issuing bank tend to be harder, if not impossible, to resolve at the point of sale. Common Reasons For Credit Card Declined Codes. Declined - Re-Enter: 51: Declined - Insufficient Funds: 54: Declined - Card Expired: 55: Declined - Wrong PIN Entered by Card Holder: 57: Declined - Service Not Allowed - See: What is a "57" Service Not Allowed decline code? 61: Declined - Customer Exceeds Withdrawal Limit: 62: Declined - Restricted SIC Code: 63: Declined - Restricted: 65. Nov 25, 2016 · Response Code: 51 - Insufficient Funds The customer’s card issuer has declined the transaction as the credit card does not have sufficient funds. Advise your customer of this fact, and they should either use an alternate card or contact their bank. Title Transaction Response Code 51 - Insufficient Funds Countries This Applies To. Generally, a processor response code ( respcode ) beginning with "00" or "000" is a successful authorization request. The respstat response indicates one of the following: A - Approval B - Temporary processing issue, such as a network error C - Rejection Gateway (PPS) Response Codes. Credit Cards can be declined for numerous reasons. Total Merchant Concepts provides the most common codes along with the response reason. 51 Insufficient Funds. Aug 12, 2022 · 51: Insufficient funds. soft decline and it means that the transaction has been denied by the customer’s issuing bank because the customer has exceeded their card limit, or because the transaction will put them over the limit. 61: Exceeds withdrawal limit. similar manner to code 51, code 61 is another alternative for credit card decline codes. If your client does not believe their card should have declined or you are unsure what the decline means, advise them to call the 1-800 number on the back of the card for more information. If you receive a decline that is not listed on this page, you may be using the Mindbody Payments platform. Nov 24, 2016 · General Bank Response Codes: Code: Response: Detailed Response: 39: No Credit Account: The customer’s card issuer has declined the transaction as the Credit Card number used is not a credit account. 40: Function Not Supported: The customer’s card issuer has declined the transaction as it does not allow this type of transaction. 41: Lost Card. Debit card declined reason 51 My debit card was declined at walmart reason 56 Code 51 debit card g509570 Level 1 (Contributor) 2 Answers 0 0 Maybe you gave the wrong details or you dont have enough resources on your account to buy something. Aug 12, 2021 · 51: Insufficient Funds. There are not enough funds in the bank account, or the account is over the credit limit. 54: Expired Card. The customer's credit card has expired. 63: Security Violation: Card issuer declined transaction; the CVV code on the back of the card might have been read incorrectly.