Understanding Common Processor Errors: Titan-MSA

Error Message

System Logic

What It Means

What To Do

Declined : Not Sufficient Funds.

The card issuer’s response code indicates insufficient funds in the account. The backend rejected the transaction at the pre-authorization stage.

There isn’t enough money on your card.

Use a different card or add funds to your account.

Declined. CALL CARD CENTER

The backend received a response from the issuer requiring manual authorization or review by the card center.

Your bank needs to approve this transaction.

Call your card center to authorize the payment, then retry.

Declined.

The card issuer or processor returned a generic “declined” code. No further details are provided in the backend logs.

The payment was declined.

Try again, check your card details, or contact your bank.

Declined: SUSPECTED FRAUD

The backend flagged the transaction as potentially fraudulent based on issuer response or internal risk rules.

The payment was flagged as suspicious.

Contact your bank or card provider for clarification.

Declined. Call (800) 892-4200

The issuer returned a code requiring the cardholder to call for further authorization or clarification.

Your bank needs to approve this transaction.

Call the number provided for assistance.

Declined. Account Closed.

The backend received a response from the issuer that the account status is “closed.” The transaction is blocked by the card network.

The card account is closed.

Use another card or contact your bank.

Declined. Transaction not allowed.

The backend validation failed due to an unsupported transaction type or business rule violation.

The transaction isn’t allowed.

Review the transaction details or contact your bank.

Declined : Restrcited Card.

The card is restricted by the issuer or backend business rules.

The card is restricted and cannot be used for this transaction.

Use a different card or contact your bank.

Declined - Invalid Card

The card failed backend validation (e.g., not found, expired, or blocked).

The card is invalid.

Double-check and re-enter the card details.

Declined: Expired Card

The backend compared the card’s expiration date to the current system date and found it to be in the past.

The card is expired.

Use a valid, non-expired card.

Declined: Price not found.

The backend could not find a valid price for the transaction item in the pricing table.

The price for the item is missing.

Contact support or check the item price.

Declined: Transaction exceeds amount limit.

The transaction amount exceeds the account’s allowed limit as defined in backend account settings.

The transaction amount is too high.

Reduce the amount or contact your bank to increase the limit.

Declined: Invalid card data.

The card data provided failed backend validation (e.g., incorrect format or missing fields).

The card data is invalid.

Double-check and re-enter the card details.

Declined: Invalid car number

The card number failed backend validation or was not found in the card table.

The card number is invalid.

Double-check and re-enter the card number.

Declined: Invalid date

The date provided failed backend validation (e.g., not matching expected format or out-of-range value).

The date is invalid.

Double-check and correct the date.

Declined: Check card digits

The card number failed a digit check (e.g., Mod10 checksum).

The card number is invalid.

Double-check and re-enter the card number.

Declined: Card blocked.

The card record in the backend card table has a status of “blocked.”

The card is blocked.

Use a different card or contact your bank.

Declined: Unable to credit original sale.

The backend could not process a credit/refund due to account status or transaction history.

The original sale cannot be credited.

Try again later or contact support.

Declined: Detail item contract mismatch. Please contact X-1 Support

The backend detected a mismatch between contract details and transaction line items.

There’s a contract mismatch in your transaction.

Contact X-1 Support for help.

Declined: Call authotization center.

The backend received a response requiring manual authorization from the card center.

Your bank needs to approve this transaction.

Call the authorization center for assistance.

Gateway Connection Issue - Try again shortly.

The backend service endpoint is unavailable, or a network error occurred during transaction processing.

The payment system is temporarily down.

Wait and retry, or contact support.

Declined: Amount error

The transaction amount provided failed backend validation (e.g., out-of-range value or not matching expected format).

The transaction amount is invalid.

Double-check and correct the amount.

Declined: Line details do not match transaction amount.

The backend detected a mismatch between line item totals and the transaction amount.

The line item totals don’t match the transaction amount.

Review and correct the line items or contact support.

Declined: Invalid CAM/CVV

The CAM/CVV code provided failed backend validation or was not found in the card table.

The security code is invalid.

Double-check and re-enter the CAM/CVV code.

Declined: Invalida transaction.

The transaction failed backend validation due to unsupported type or malformed request.

The transaction isn’t allowed.

Review the transaction details or contact support.

Declined: Unknown card

The card number provided does not exist in the backend card table.

The card number is unknown.

Double-check and re-enter the card number.

Document contains unallowed data value(s) for this transaction type

The backend detected data values in the transaction payload that are not permitted for the transaction type.

Some information entered isn’t allowed for this transaction.

Review transaction details for errors or contact support.

Declined: Invalid CVV

The CVV code provided failed backend validation or was not found in the card table.

The CVV code is invalid.

Double-check and re-enter the CVV code.