While Authorize.Net® may not receive specifics on a particular decline, they do include some details on declines in the transaction responses, if available.
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 https://developer.authorize.net/api/reference/responseCodes.html to look up a specific Response Reason Code
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