When charging credit cards through Gnosis, a failed transaction will return a response code with a brief description.
A table of common decline reasons, with the associated Response Reason Code, is listed below:
|2||General decline by card issuing bank or by Merchant Service Provider|
|3||Referral to card issuing bank for verbal approval|
|4||Card reported lost or stolen; pick up card if physically available|
|27||Address Verification Service (AVS) mismatch; declined by account settings|
|44||Card Code decline by payment processor|
|45||AVS and Card Code mismatch; declined by account settings|
|65||Card Code mismatch; declined by account settings|
|250||Fraud Detection Suite (FDS) blocked IP address|
|251||FDS filter triggered--filter set to decline|
|254||FDS held for review; transaction declined after manual review|
For more details, please visit Response Reason Code.