Understanding common errors
Last updated on June 12, 2024
Encountering an error code during a transaction can be frustrating. This guide will help you understand common Vibrant error codes and how to address them.
05 - Declined: The issuing bank has declined the transaction. This can happen due to insufficient funds, expired card, or other security concerns.
12 - Invalid Transaction: This code typically indicates an invalid transaction format. It could mean the transaction request is missing or has incorrect data.
13 - Amount Error: The transaction amount is incorrect.
14 - Invalid Card Number: The card number entered does not match any issued card.
30 - Card Issuer Unavailable: The card issuer system is not available to authorize the transaction.
41 - Lost Card: The card has been reported lost.
43 - Stolen Card: The card has been reported stolen.
51 - Insufficient Funds: The card does not have enough funds to cover the transaction amount.
54 - Invalid Expiration Date: The expiration date entered is incorrect or the card is expired.
55 - Incorrect PIN: The cardholder has entered an incorrect PIN.
57 - Transaction Not Permitted to Cardholder: The card issuer has not permitted this type of transaction for the cardholder.
58 - Transaction Not Permitted to Terminal: The merchant or terminal is not permitted to process this type of transaction.
59 - Suspected Fraud: The transaction is flagged as potentially fraudulent.
61 - Exceeds Withdrawal Limit: The transaction amount exceeds the withdrawal limit set by the card issuer.
62 - Restricted Card: The card is restricted by the issuing bank.
75 - PIN Tries Exceeded: The cardholder has exceeded the allowed number of PIN entry attempts.
91 - No Response: The payment processor or the bank did not respond in time.
94 - Duplicate Transaction: The transaction appears to be a duplicate of a previous one.
96 - Network Error/System Malfunction: There was an issue with the network connection between the payment terminal and the payment processor, or an internal error in the payment processing system.
101 - Declined - Contact Issuer: The transaction has been declined by the issuer, and the cardholder should contact their bank for more details.
104 - Timeout: The transaction timed out waiting for a response from the payment processor.
127 - Authorisation Declined: The authorisation request was declined by the card issuer.
1A - Refer to Issuer: The cardholder should contact their card issuer for more information.
1C - Card Not Supported: The card being used is not supported by the payment terminal or processor.
Troubleshooting Steps
Verify Card Information: Double-check the card number, expiration date, and security code (CVV) entered on the payment terminal.
Check Network Connection: Ensure the payment terminal has a stable internet connection or proper connection to the network.
Retry the Transaction: Attempt the transaction again, as temporary issues such as network glitches or system delays may resolve on retry.
Contact Issuer: If the problem persists, advise the customer to contact their card issuer directly for further assistance or to resolve any account-related issues.
If the error code is not listed here or the issue persists after following these troubleshooting steps, please contact Vibrant support for further assistance.
