---
title: "Terminal API refusal reasons"
description: "Learn about the refusal reasons for point-of-sale payment requests."
url: "https://docs.adyen.com/point-of-sale/error-scenarios/refusal-reasons-pos"
source_url: "https://docs.adyen.com/point-of-sale/error-scenarios/refusal-reasons-pos.md"
canonical: "https://docs.adyen.com/point-of-sale/error-scenarios/refusal-reasons-pos"
last_modified: "2022-01-28T21:01:00+01:00"
language: "en"
---

# Terminal API refusal reasons

Learn about the refusal reasons for point-of-sale payment requests.

[View source](/point-of-sale/error-scenarios/refusal-reasons-pos.md)

When your [payment request is declined](/point-of-sale/error-scenarios#declined-payment), we include an error category in the `ErrorCondition` field of the payment response, and a further explanation in the `refusalReason` inside the `Response.AdditionalResponse`.

The refusal reasons we provide are based on the [raw responses](/point-of-sale/error-scenarios/raw-acquirer-responses) we receive from acquirers and issuers.

You can use the `ErrorCondition` to code your POS app. The `refusalReason` and `message` fields are included for additional insight, and should not be coded against.

## Refusal reasons by error condition

The following tables show the most common refusal reasons for point-of-sale payment transactions, grouped by the [ErrorCondition](https://docs.adyen.com/api-explorer/terminal-api/latest/post/payment#responses-200-Response-ErrorCondition) in the `PaymentResponse.Response`:

* [Aborted](#error-condition-aborted)
* [Busy](#error-condition-busy)
* [Cancel](#error-condition-cancel)
* [DeviceOut](#error-condition-deviceout)
* [InvalidCard](#error-condition-invalidcard)
* [NotAllowed](#error-condition-notallowed)
* [Refusal](#error-condition-refusal)
* [UnreachableHost](#error-condition-unreachable)
* [WrongPIN](#error-condition-wrongpin)

The tables show the `refusalReason` and `message` you receive in the `PaymentResponse.Response.AdditionalResponse`.

Contact our [Support Team](https://ca-test.adyen.com/ca/ca/contactUs/support.shtml?form=other) if you need more information about a refusal reason.

### ErrorCondition: Aborted

| ErrorCondition | refusalReason        | message               | Description                                                                                                                                             | Retry?                                                                                      |
| -------------- | -------------------- | --------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- |
| Aborted        | Contactless fallback | CONTACTLESS\_FALLBACK | The shopper abandoned the transaction after they attempted a contactless payment and were prompted to try a different card entry method (PIN or swipe). | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |

### ErrorCondition: Busy

| ErrorCondition | serviceId  | message                                                           | Description                                                                                                                                                                                                                                              | Retry?                                       |
| -------------- | ---------- | ----------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------- |
| Busy           | 1234567890 | Forbidden Request, Service Dialogue PaymentRequest is in Progress | Another transaction, with the provided `serviceId`, is still in progress. Using the `serviceId` you can make an `AbortRequest` to [cancel](/point-of-sale/basic-tapi-integration/cancel-a-transaction#cancel-from-register) the in-progress transaction. | ![-x-](/user/data/smileys/emoji/x.png "-x-") |
| Busy           |            | ADMIN\_MENU                                                       |                                                                                                                                                                                                                                                          | ![-x-](/user/data/smileys/emoji/x.png "-x-") |
| Busy           |            | (all other messages)                                              |                                                                                                                                                                                                                                                          | ![-x-](/user/data/smileys/emoji/x.png "-x-") |

### ErrorCondition: Cancel

| ErrorCondition | refusalReason                                       | message               | Description                                                                                   | Retry?                                                                                      |
| -------------- | --------------------------------------------------- | --------------------- | --------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- |
| Cancel         | Approved                                            | APPROVED              | Transaction was canceled after being initially approved by the issuer.                        | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Cancel         | Cancelled                                           | CANCELLED             | Transaction was canceled.                                                                     | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | card removed                                        | CANCELLED             | Shopper's card was removed from the terminal before the transaction finished.                 | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | Card removed during application selection           | CANCELLED             | Shopper's card was removed from the terminal before the transaction finished.                 | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | Card removed during transaction                     | CANCELLED             | Shopper's card was removed from the terminal before the transaction finished.                 | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | Card removed during transaction (first ac)          | CANCELLED             | Shopper's card was removed from the terminal before the transaction finished.                 | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | Card removed during transaction (verify cardholder) | CANCELLED             | Shopper's card was removed from the terminal before the transaction finished.                 | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | Card removed while processing online                | CANCELLED             | Shopper's card was removed from the terminal before the transaction finished.                 | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | Card swapped mid-transaction                        | CANCELLED             | Card removed from the terminal and swapped for another card during the transaction.           | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | chip cancelled tx (2nd ac returned AAC)             | CANCELLED             | The Application Authentication Cryptogram (AAC) on the card declined the transaction offline. | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | Merchant cancelled                                  | CANCELLED             | The merchant canceled the transaction before the transaction finished.                        | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | Merchant cancelled after contactless fallback       | CONTACTLESS\_FALLBACK | The merchant canceled the transaction before the transaction finished.                        | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | Merchant cancelled during online authorization      | CANCELLED             | The merchant canceled the transaction before the transaction finished.                        | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | Merchant cancelled during validate call             | CANCELLED             | The merchant canceled the transaction before the transaction finished.                        | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | Merchant cancelled tx                               | CANCELLED             | The merchant canceled the transaction before the transaction finished.                        | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | Shopper cancelled                                   | CANCELLED             | The shopper canceled the transaction before it finished.                                      | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | Shopper Cancelled                                   | SHOPPER\_CANCELLED    | The shopper canceled the transaction before completing it.                                    | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | Shopper cancelled after contactless fallback        | CONTACTLESS\_FALLBACK | The shopper canceled the transaction before it finished.                                      | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | Shopper cancelled during application selection      | CANCELLED             | The shopper canceled the transaction before it finished.                                      | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | Shopper cancelled during dcc selection              | CANCELLED             | The shopper canceled the transaction before it finished.                                      | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | Shopper cancelled during online authorization       | CANCELLED             | The shopper canceled the transaction before it finished.                                      | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | Shopper cancelled during validate call              | CANCELLED             | The shopper canceled the transaction before it finished.                                      | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | Shopper cancelled Manual Key Entry                  | CANCELLED             | The shopper canceled the transaction before it finished.                                      | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | Shopper cancelled pin entry                         | CANCELLED             | The shopper canceled the transaction before it finished.                                      | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | Shopper cancelled tx                                | CANCELLED             | The shopper canceled the transaction before it finished.                                      | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cancel         | Shopper did not present a card                      | CANCELLED             | The shopper did not present a card, so the transaction was canceled.                          | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |

### ErrorCondition: DeviceOut

| ErrorCondition | refusalReason  | message                                               | Description                                                                                                                                                                           | Retry?                                                                                      |
| -------------- | -------------- | ----------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- |
| DeviceOut      | Crash recovery | POI\_is\_Temporary\_Unavailable\_Terminal\_not\_ready | Terminal stopped responding for an unknown reason, causing the transaction to fail.                                                                                                   | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| DeviceOut      | Low battery    | Failed starting transaction: Low Battery              | Battery charge level dropped below the minimum battery level configured in your Customer Area. Connect the terminal to a power source and retry, or retry using a different terminal. | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |

### ErrorCondition: InvalidCard

| ErrorCondition | refusalReason                         | message               | Description                                                                                  | Retry?                                                                                      |
| -------------- | ------------------------------------- | --------------------- | -------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- |
| InvalidCard    | Card data authentication failed       | DECLINED              | Failed to obtain the relevant card data. The shopper should use an alternate payment method. | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| InvalidCard    | No checking account available on Card | NO\_CHECKING\_ACCOUNT | No checking account available on the card.                                                   | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| InvalidCard    | No savings account available on Card  | NO\_SAVINGS\_ACCOUNT  | No savings account available on the card.                                                    | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |

### ErrorCondition: NotAllowed

| ErrorCondition | refusalReason                     | message         | Description                                                                                                                               | Retry?                                       |
| -------------- | --------------------------------- | --------------- | ----------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------- |
| NotAllowed     | Blocked Card                      | BLOCK\_CARD     | The selected card application is blocked. It cannot be used for the transaction.                                                          | ![-x-](/user/data/smileys/emoji/x.png "-x-") |
| NotAllowed     | Invalid Amount                    | INVALID\_AMOUNT | An amount mismatch occurred during the transaction.                                                                                       | ![-x-](/user/data/smileys/emoji/x.png "-x-") |
| NotAllowed     | Payment details are not supported | ERROR           | The used payment method is not supported. Contact our [Support Team](https://ca-test.adyen.com/ca/ca/contactUs/support.shtml?form=other). | ![-x-](/user/data/smileys/emoji/x.png "-x-") |

### ErrorCondition: Refusal

| ErrorCondition | refusalReason                                       | message                        | Description                                                                                                                                                                                                                                                                                                      | Retry?                                                                                      |
| -------------- | --------------------------------------------------- | ------------------------------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- |
| Refusal        | Acquirer Error                                      | ERROR                          | The transaction did not go through due to an error that occurred on the acquirer's end.                                                                                                                                                                                                                          | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Refusal        | AID banned                                          | ERROR                          | The application is temporarily in our AID penalty box until its payments network can be reached again.                                                                                                                                                                                                           | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Refusal        | Always refused                                      | DECLINED                       | Gift card refused.                                                                                                                                                                                                                                                                                               | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Refusal        | Amount too low to be accepted by Card Network       | DECLINED                       | The card network doesn't accept the entered amount because it is too low.                                                                                                                                                                                                                                        | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Refusal        | Card blocked                                        | BLOCK\_CARD                    | The card has been blocked and cannot be used. The shopper should contact their bank.                                                                                                                                                                                                                             | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Refusal        | Card requires online pin                            | PIN\_REQUIRED                  | Card requires online pin                                                                                                                                                                                                                                                                                         | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Refusal        | CVC Declined                                        | CVC\_DECLINED                  | The specified [CVC (card security code)](/get-started-with-adyen/adyen-glossary/#card-security-code-cvc-cvv-cid) is invalid.                                                                                                                                                                                     | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Refusal        | declined                                            | DECLINED                       | Transaction has been declined for a unspecified reason.                                                                                                                                                                                                                                                          | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Refusal        | Declined Non Generic                                | DECLINED                       | [This response represents all response codes that cannot be reliably mapped.](https://developer.mastercard.com/repower/documentation/code-and-formats/error-codes/) This makes it easier to differentiate between generic declines (for example, Mastercard "05: Do not honor" response) and more specific ones. | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Refusal        | Expired Card                                        | CARD\_EXPIRED                  | The card has expired. It cannot be used for the transaction.                                                                                                                                                                                                                                                     | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Refusal        | Issuer Suspected Fraud                              | ISSUER\_SUSPECTED\_FRAUD       | Issuer reported the transaction as suspected fraud.                                                                                                                                                                                                                                                              | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Refusal        | Mobile PIN required                                 | MOBILE\_PIN\_REQUIRED          | Mostly for [NFC wallet transactions](/point-of-sale/what-we-support/payment-methods#nfc-wallets) when extra authentication is needed on the phone to complete the transaction (like enter PIN, unlock phone, or fingerprint).                                                                                    | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Refusal        | Not enough balance                                  | NOT\_ENOUGH\_BALANCE           | The card does not have enough money to cover the payable amount.                                                                                                                                                                                                                                                 | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Refusal        | Not Submitted                                       | NOT\_SUBMITTED                 | The transaction was not submitted correctly for processing.                                                                                                                                                                                                                                                      | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Refusal        | Not supported                                       | NOT\_SUPPORTED                 | The shopper's bank doesn't support or doesn't allow this type of transaction.                                                                                                                                                                                                                                    | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Refusal        | Pin tries exceeded                                  | PIN\_TRIES\_EXCEEDED           | The shopper specified an incorrect PIN more that three times in a row. This error also occurs for example with a Bancontact/Mister Cash (BCMC) payment where the shopper exceeded the maximum time between transactions without using a PIN.                                                                     | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Refusal        | Pin validation not possible                         | PIN\_VALIDATION\_NOT\_POSSIBLE | It is not possible to validate the specified PIN number.                                                                                                                                                                                                                                                         | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Refusal        | Refused                                             | DECLINED                       | The transaction was refused. This response is also returned when the transaction is declined based on the fraud rules and checks on the EMV chip.                                                                                                                                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Refusal        | Restricted Card                                     | RESTRICTED\_CARD               | Several 'Decline' codes are mapped to this refusal reason response value. For example:- 62: Restricted Card
- 62: Invalid card in this country/region                                                                                                                                                            | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Refusal        | Timeout waiting for card after contactless fallback | CONTACTLESS\_FALLBACK          | Transaction timed out. Shopper should retry or use an alternate payment method.                                                                                                                                                                                                                                  | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Refusal        | Transaction Not Permitted                           | TRANSACTION\_NOT\_PERMITTED    | Several 'Decline' codes are mapped to this refusal reason response value. For example:- 57: Transaction not permitted to issuer/cardholder
- 57: Transaction not allowed for this merchant
- 58: Transaction not permitted to acquirer/terminal                                                                  | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Refusal        | Withdrawal count exceeded                           | WITHDRAWAL\_COUNT\_EXCEEDED    | The number of withdrawals permitted for the shopper's card was exceeded. Also used for contactless transactions (Contactless Withdrawal Count Exceeded).                                                                                                                                                         | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Refusal        | Withdrawal amount exceeded                          | WITHDRAWAL\_AMOUNT\_EXCEEDED   | The withdrawal amount permitted for the shopper's card was exceeded. Also used for contactless transactions (Contactless Withdrawal Amount Exceeded).                                                                                                                                                            | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |

### ErrorCondition: UnreachableHost

| ErrorCondition  | refusalReason       | message             | Description                                                                    | Retry?                                                                                      |
| --------------- | ------------------- | ------------------- | ------------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------- |
| UnreachableHost | failed to go online | DECLINED            | Unable to go online.                                                           | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| UnreachableHost | Issuer Unavailable  | ISSUER\_UNAVAILABLE | It is not possible to contact the shopper's bank to authorize the transaction. | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |

### ErrorCondition: WrongPIN

| ErrorCondition | refusalReason | message      | Description                                       | Retry?                                                                                      |
| -------------- | ------------- | ------------ | ------------------------------------------------- | ------------------------------------------------------------------------------------------- |
| WrongPIN       | Invalid Pin   | INVALID\_PIN | The specified PIN number is incorrect or invalid. | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |

## See also

* [Raw acquirer responses](/point-of-sale/error-scenarios/raw-acquirer-responses)
* [Handle responses](/point-of-sale/error-scenarios)
