Credit Card Decline Codes Decoded: How to Recover Revenue and Reduce Failed Payments
500.00 Dollar US$
February 13, 2026
United States, Texas
2
Description
Credit card decline codes are two-digit numeric messages from issuing banks explaining payment authorization failures. Code 05 (Do Not Honor) means the bank refused without details; try another card. Code 51 (Insufficient Funds) means retry later or offer payment plans.
Credit card decline codes explain exactly why a payment failed, with Code 05 and Code 51 causing 60% of all declines. Soft declines (network errors, insufficient funds) can be retried; hard declines (stolen cards, expired cards) need different payment methods
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