Understanding Declines Reference Guide

Overview

Return codes are essential for understanding the various responses generated during transactions. The attached documentation provides detailed descriptions of each return code, including their meanings, possible causes, and recommended actions for resolution. Please see the attached document below.

Revision History

Document Version	Date	Changes
1.0	08/08/2022	Initial
2.0	09/28/2022	Changed organization to focus more on the text of the decline rather than the code.
2.1	10/14/2022	Added all codes and organized by frequency.
2.2	11/21/2022	Updated verbiage.
2.3	3/20/2023	Updated copyright statement to reflect the PayNearMe name change.
3.0	5/17/2024	Added PayPal/Venmo Decline Codes and changed title to “Understanding Declines”