Transaction Codes and Meaning

Agent Troubleshooting Guide: 4-Digit Transaction Error Codes

This guide is designed for customer support agents and frontline banking staff to provide rapid, accurate assistance when a transaction fails.

When a customer calls regarding a failed payment, your role is to identify the Root Cause using the 4-digit code provided by the system. Use the "error_typical_action" column to guide the customer toward the next steps—whether that involves correcting their information, contacting their issuing bank, or simply waiting for a system reset. Always prioritize security: if a code indicates a lost or stolen card, do not attempt to bypass the error.

trxn_codes	error_cat	error_desc	error_typical_action
1000	Approved	Transaction completed successfully.	None.
2000	General Decline	The bank declined the request without a specific reason.	Ask customer for a different card.
2001	Insufficient Funds	The account lacks the necessary balance or credit.	Customer needs to add funds.
2002	Limit Exceeded	Transaction exceeds the daily or per-transaction limit.	Contact bank to raise limits.
2003	Card Expired	The card's "Valid Thru" date has passed.	Use a current card.
2004	Invalid PIN	The 4-digit or 6-digit PIN entered is incorrect.	Retry with the correct PIN.
2005	PIN Try Exceeded	Too many incorrect PIN attempts; card is locked.	Contact bank to reset PIN.
2006	KYC missing	KYC is missing and check fails	Get customer to complete KYC
3001	Invalid Card	The card number is invalid or fails the Luhn check.	Verify and re-enter card number.
3002	Invalid CVV	The 3-digit security code on the back is incorrect.	Re-enter CVV/CVC.
3003	Restricted Card	The card is restricted from this merchant type (e.g., gambling).	Use a different account.
4001	Lost/Stolen	Card has been flagged as missing by the holder.	Do not retry. Potential fraud.
4002	Fraud Suspected	The bank's internal filters flagged the transaction as high-risk.	Customer must call bank to verify.
5001	Processor Error	A technical timeout occurred between the gate and bank.	Retry after a few minutes.
5002	System Down	The issuing bank's authorization system is offline.	Try again later.
5003	Gateway Timeout	The merchant server took too long to respond.	Check internet/server connection.