When processing payments through DrChrono Payments, you may occasionally encounter a payment failure or a decline code. The guide below explains the most common codes, what each one means, and the recommended steps to help resolve the issue and complete the transaction.
| Code | Category | Meaning | Recommended Action |
| 000/00 | Approval | Transaction approved | N/A |
| 01 | Soft Decline | Refer to the card issuer | Ask the customer to contact their bank. |
| 04/41/43 | Hard Decline | Card lost, stolen, or restricted | Retain the card if physically present; ask for another payment method. |
| 05 | Hard Decline | Do Not Honor | Ask the customer to contact their bank or use another card. |
| 14 | Hard Decline | Invalid card number | Check for typos in the card number or expiration date. |
| 51 | Hard Decline | Insufficient funds | Advise the customer to try an alternative card or check their bank balance. |
| 54 | Hard Decline | Expired card | Check the expiration date and request a valid, current card. |
| 55 | Soft Decline | Invalid PIN or Security Code (CVV) | Re-enter the PIN or double-check the CVV. |
| 91 | Soft Decline | Issuer temporarily unreachable / Network error | Retry the transaction after a few moments. |
Additional codes and their meanings can be found on WorldPay's website. http://support.worldpay.com/support/CNP-API/content/paytransrespcodes.htm