# Visa response codes

Visa divides its [response codes](https://www.checkout.com/docs/resources/codes/api-response-codes.md) into categories to inform you if and when to retry transactions.

## Category 1: Issuer will never approve

This category of decline codes indicates that there is no circumstance in which the issuer will approve the transaction.

Recommended action: Do not retry. This corresponds to [recommendation code 03](https://www.checkout.com/docs/resources/codes/recommendation-codes.md).

| Response code | Description |
| --- | --- |
| `30004` | Pick up card (no fraud) |
| `30007` | Pick up card, special conditions |
| `20012` | Invalid transaction |
| `20014` | Invalid card number |
| `30015` | No such issuer |
| `30041` | Lost card – pick up |
| `30043` | Stolen card – pick up |
| `30046` | Closed account |
| `20057` | Transaction not permitted to cardholder |
| `200R1` | Issuer initiated a stop payment (revocation order) for the authorization |
| `200R3` | Issuer initiated a stop payment (revocation order) for all authorizations |

## Category 2: Issuer cannot approve at this time

This category of decline codes indicates that the issuer may approve the transaction, but cannot do so at that time.

Recommended action: Try again later. This corresponds to [recommendation code 02](https://www.checkout.com/docs/resources/codes/recommendation-codes.md).

| Response code | Description |
| --- | --- |
| `20003` | Invalid merchant |
| `20019` | Re-enter transaction |
| `20051` | Insufficient funds |
| `20059` | Suspected fraud |
| `20061` | Exceeds withdrawal amount limit |
| `20062` | Restricted card |
| `20065` | Exceeds withdrawal frequency limit |
| `20075` | Allowable PIN tries exceeded |
| `20078` | Blocked card, first-time card usage |
| `20091` | Issuer or switch is inoperative |
| `20093` | Transaction cannot be completed |
| `20096` | System malfunction |
| `2005C` | Transaction not supported / blocked by issuer |
| `2009G` | Blocked by cardholder / contact cardholder |

## Category 3: Issuer cannot approve based on details provided

This category of codes indicates the issuer cannot approve the transaction with the details provided.

Recommended action: Provide updated or additional information. This corresponds to [recommendation code 01](https://www.checkout.com/docs/resources/codes/recommendation-codes.md).

| Response code | Description |
| --- | --- |
| `20054` | Expired card |
| `20055` | Incorrect PIN |
| `20082` | No security model |
| `20154` | 3DS authentication required |
| `2006P` | Cardholder ID verification failed |
| `20063` | Security violation |

## Category 4: Generic response codes

This category contains all other Visa decline codes not listed on this page – many of which are not descriptive.
You can retry the transaction.

Recommended action: Try again later. This corresponds to [recommendation code 02](https://www.checkout.com/docs/resources/codes/recommendation-codes.md).