# Network decline codes Learn about network decline codes and how to resolve them when a charge fails. Network decline codes are typically alphanumeric error codes that indicate a reason for a payment decline. These codes often come from issuing banks, payment processors, or credit networks. Use the following table to help resolve issues relating to network decline codes: #### Payment Method - ACH Direct Debit | Raw network code | Decline code | Explanation | Next steps | | ----------------------------------------------- | ------------------------------ | --------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------- | | `R01`, `R09` | `insufficient_funds` | The payment process can’t be completed because your customer’s bank account doesn’t have the necessary funds. | Contact your customer to verify that they have the required funds, then retry the transaction. | | `R02` | `bank_account_closed` | The payment can’t be processed because your customer’s bank account is closed. | Contact your customer to provide new account details, then retry the transaction. | | `R03`, `R04` | `bank_account_invalid_details` | The transaction can’t be processed because the bank account information that your customer provided is incorrect. | Contact your customer for correct account details, then retry the transaction. | | `R05`, `R07`, `R08`, `R10`, `R11`, `R29`, `R31` | `debit_not_authorized` | This payment doesn’t have an authorized mandate. | Collect a new mandate, then retry the transaction. | | `R15` | `recipient_deceased` | The attempt to set up a mandate is made on the account of a potentially deceased individual. | Verify your customer’s status, then retry the transaction. | | `R16` | `bank_account_frozen` | The payment can’t be processed because your customer’s bank account is frozen. | Contact your customer to provide new account details, then retry the transaction. | | `R20` | `bank_account_restricted` | The payment can’t be processed because your customer’s bank has blocked direct debits, either by the bank’s actions or your customer’s. | Contact your customer to understand the reason for the block. If the bank unblocks the account, retry the transaction. | #### Payment Method - Australia BECS Direct Debit | Raw network code | Failure code | Explanation | Next steps | | ---------------- | ------------------------ | ----------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------- | | `1` | `invalid_routing_number` | The transaction can’t be processed because the routing number that your customer provided is incorrect. | Contact your customer to provide new account details, then retry the transaction. | | `2` | `debit_not_authorized` | This payment doesn’t have an authorized mandate. | Collect a new mandate, then retry the transaction. | | `3` | `account_closed` | The payment can’t be processed because your customer’s bank account is closed. | Contact your customer to provide new account details, then retry the transaction. | | `4` | `recipient_deceased` | The attempt to set up a mandate is made on the account of a potentially deceased individual. | Verify your customer’s status, then retry the transaction. | | `5` | `no_account` | The transaction can’t be processed because the bank account information that your customer provided is incorrect. | Contact your customer to provide new account details, then retry the transaction. | | `6` | `refer_to_customer` | The payment failed and Stripe doesn’t have detailed information about the cause. Your customer’s bank didn’t provide a reason code. | Contact your customer for more information. | | `8` | `internal` | The payment failed. | The payment failed. | | `9` | `refer_to_customer` | The payment failed and Stripe doesn’t have detailed information about the cause. | Contact your customer for more information. | #### Payment Method - Bacs Direct Debit | ADDACS Raw network code | Failure code | Explanation | Next steps | | ----------------------- | --------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | `0`, `1` | `refer_to_customer` | The payment failed because your customer’s bank canceled the Direct Debit Instruction. The mandate is no longer active in the bank’s system. | Contact your customer because direct debits can’t be collected from this account anymore. To continue collecting payments with direct debits, you need to obtain a new Direct Debit Instruction (DDI) for a different account. | | `2` | `recipient_deceased` | The attempt to set up a mandate is made on the account of a potentially deceased individual. | Verify your customer’s status, then retry the transaction. | | `3`, `C`, `E` | `bank_ownership_changed` | The payment can’t be processed because your customer’s bank account has changed ownership. | Contact your customer to provide new account details, then retry the transaction. | | `B` | `account_closed` | The payment can’t be processed because your customer’s bank account is closed. | Reach out to your customer to provide new account details. To continue collecting payments with direct debits, you need to obtain a new Direct Debit Instruction (DDI) for a different account. | | `R` | `generic_could_not_process` | The payment failed. | The payment failed. | | ARUDD Raw network code | Failure code | Explanation | Next steps | | ---------------------- | --------------------------- | -------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------- | | `0` | `insufficient_funds` | The payment process can’t be completed because your customer’s bank account doesn’t have the necessary funds. | Contact your customer to verify that they have the required funds, then retry the transaction. | | `1`, `6` | `debit_not_authorized` | This payment doesn’t have an authorized mandate. | Obtain a new Direct Debit Instruction (DDI), then retry the transaction. | | `5` | `invalid_account_number` | The transaction can’t be processed because the bank account details that your customer provided are incorrect. | Contact your customer to provide new account details, then retry the transaction. | | `4`, `7`, `8` | `generic_could_not_process` | The payment failed. | The payment failed. | | `2` | `recipient_deceased` | The attempt to set up a mandate is made on the account of a potentially deceased individual. | Verify your customer’s status, then retry the transaction. | | AUDDIS Raw network code | Failure code | Explanation | Next steps | | ----------------------- | ---------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------- | | `2` | `recipient_deceased` | The attempt to set up a mandate is made on the account of a potentially deceased individual. | Verify your customer’s status, then retry the transaction. | | `5` | `refer_to_customer` | The payment failed because the account number wasn’t recognized by the customer’s bank. There might be an issue with the bank account details. | We recommend that you check the Direct Debit Instruction (DDI) information and reach out directly to your customer to verify their banking details. | | `6` | `refer_to_customer` | The payment failed because the Direct Debit Instruction (DDI) doesn’t exist in your customer’s bank database. The mandate might not be properly set up or has been canceled. | Check the status of the Direct Debit Instruction and contact your customer to verify the mandate is still active with their bank. | | `B` | `account_closed` | The payment can’t be processed because your customer’s bank account is closed. | Contact your customer to get updated banking details and set up a new Direct Debit Instruction (DDI). | | `F`, `G` | `debits_not_supported_for_account` | The payment failed because your customer’s bank doesn’t allow direct debits on their type of account. This account isn’t compatible with direct debit payments. | Contact your customer to get alternative bank account details that support direct debits and set up a new Direct Debit Instruction (DDI). | #### Payment Method - Cash App Pay For more information on specific Cash App Pay error codes, refer to the [Cash App Pay error code reference](https://developers.cash.app/cash-app-pay-partner-api/guides/technical-guides/api-fundamentals/errors/error-code-reference#payment-processing-errors). | Raw network code | Decline code | | -------------------------------------------- | -------------------------- | | `PAYMENT_INVALID_TOO_SMALL` | `invalid_amount` | | `PAYMENT_INVALID_TOO_LARGE` | `invalid_amount` | | `PAYMENT_DECLINED_COMPLIANCE` | `compliance_violation` | | `PAYMENT_DECLINED_RISK` | `payment_declined_risk` | | `PAYMENT_INVALID_CURRENCY_MISMATCH` | `currency_not_supported` | | `PAYMENT_INVALID_AMOUNT_MISMATCH` | `invalid_amount` | | `PAYMENT_DECLINED_INSUFFICIENT_FUNDS` | `insufficient_funds` | | `PAYMENT_DECLINED_LIMIT_REACHED` | `limit_exceeded` | | `PAYMENT_DECLINED_OTHER` | `payment_declined` | | `PAYMENT_DECLINED_CUSTOMER_BLOCKED_MERCHANT` | `invalid_customer_account` | #### Payment Method - New Zealand BECS Direct Debit | Raw network code | Failure code | Explanation | Next steps | | ---------------- | ------------------------ | ----------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------- | | `1` | `invalid_routing_number` | The transaction can’t be processed because the routing number that your customer provided is incorrect. | Contact your customer to provide new account details, then retry the transaction. | | `2` | `debit_not_authorized` | This payment doesn’t have an authorized mandate. | Collect a new mandate, then retry the transaction. | | `3` | `account_closed` | The payment can’t be processed because your customer’s bank account is closed. | Contact your customer to provide new account details, then retry the transaction. | | `4` | `recipient_deceased` | The attempt to set up a mandate is made on the account of a potentially deceased individual. | Verify your customer’s status, then retry the transaction. | | `5` | `no_account` | The transaction can’t be processed because the bank account information that your customer provided is incorrect. | Contact your customer to provide new account details, then retry the transaction. | | `6` | `refer_to_customer` | The payment failed and Stripe doesn’t have detailed information about the cause. Your customer’s bank didn’t provide a reason code. | Contact your customer for more information. | | `8` | `internal` | The payment failed. | The payment failed. | | `9` | `refer_to_customer` | The payment failed and Stripe doesn’t have detailed information about the cause. | Contact your customer for more information. | #### Payment Method - Pre-authorized debit in Canada | Raw network code | Failure code | Explanation | Next steps | | ---------------- | --------------------------- | --------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------- | | `901`, `908` | `insufficient_funds` | The payment process can’t be completed because your customer’s bank account doesn’t have the necessary funds. | Contact your customer to verify that they have the required funds, then retry the transaction. | | `900` | `generic_could_not_process` | The payment failed. | The payment failed. | | `903`, `915` | `debit_not_authorized` | This payment doesn’t have an authorized mandate. | Collect a new mandate, then retry the transaction. | | `905` | `account_closed` | The payment can’t be processed because your customer’s bank account is closed. | Contact your customer to provide new account details, then retry the transaction. | | `912` | `invalid_account_number` | The transaction can’t be processed because the account number that your customer provided is incorrect. | Contact your customer to provide new account details, then retry the transaction. | | `911` | `account_frozen` | The payment can’t be processed because your customer’s bank account is frozen. | Contact your customer to provide new account details, then retry the transaction. | | `902` | `no_account` | The transaction can’t be processed because the bank account information that your customer provided is incorrect. | Contact your customer to provide new account details, then retry the transaction. | | `907` | `bank_account_restricted` | The payment can’t be processed because your customer’s bank has blocked direct debits, either by the bank’s actions or your customer’s. | Contact your customer to understand the reason for the block. If the bank unblocks the account, retry the transaction. | | `910` | `recipient_deceased` | The attempt to set up a mandate is made on the account of a potentially deceased individual. | Verify your customer’s status before retrying the transaction. | #### Payment Method - SEPA Direct Debit | Raw network code | Failure code | Explanation | Next steps | | ------------------------------------------------------ | ------------------------------- | ----------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------- | | `AC01` | `invalid_account_number` | The transaction can’t be processed because the IBAN that your customer provided is incorrect. | Contact your customer for correct account details, then retry the transaction. | | `AC04` | `account_closed` | The payment can’t be processed because your customer’s bank account is closed. | Contact your customer for new account details, then retry the transaction. | | `AG02`, `AM05`, `CNOR`, `DNOR`, `DN05`, `FF01`, `AC13` | `generic_could_not_process` | Stripe can’t identify a specific reason for the payment failure. | Contact Support for more information. | | `AM04` | `insufficient_funds` | The payment process can’t be completed because your customer’s bank account lacks the necessary funds. | Contact your customer to verify that they have the required funds, then retry the transaction. | | `MD01` | `debit_not_authorized` | The payment doesn’t have an authorized mandate. | Collect a new mandate, then retry the transaction. | | `MD02`, `BE05` | `debit_authorization_not_match` | The transaction can’t be processed due to missing or incorrect mandate information. | Collect a new mandate from your customer, then retry the transaction. | | `MD06` | `debit_disputed` | Your customer requested that their bank refund this payment. | Contact your customer to resolve any dispute, then retry the transaction. | | `MD07` | `recipient_deceased` | The mandate was set up on the account of a potentially deceased individual. | Verify your customer’s status before retrying the transaction. | | `RC01` | `branch_does_not_exist` | The payment can’t be processed because the bank branch associated with your customer’s IBAN doesn’t exist. | Contact your customer to provide new account details, then retry the transaction. | | `RR01`, `RR02`, `RR03` | `incorrect_account_holder_name` | The transaction can’t be processed because your customer’s account information is missing or incorrect. | Collect a new mandate and ask your customer to provide their name and address exactly as it appears on their bank account. Then, retry the transaction. | | `SL01`, `MS03` | `refer_to_customer` | We don’t have detailed information about the payment failure because your customer’s bank didn’t provide a reason code. | Contact your customer for more information. |