Visa
- Cards
- Online Banking
- Real Time Payments
Visa is a global card payment network enabling merchants to accept secure electronic payments worldwide.
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Company Overview
USAFeatures
Global Acceptance Network
Accepted worldwide across online and in-store merchants.
Fast Authorization
Low-latency authorization with high network reliability.
Issuer Risk Signals
Detailed issuer responses and decline reason codes.
Fraud Prevention
Built-in network-level fraud and risk protection.
Visa Secure (3DS)
Support for strong customer authentication with frictionless flows.
Cross-Border Ready
Optimized for international and multi-currency transactions.
Tokenization & Wallets
Native support for network tokens and digital wallets like Apple Pay.
Tip from SmartRetry Merchants can improve Visa approval rates by ensuring accurate transaction data, using authentication only when required, and handling issuer decline signals correctly to avoid unnecessary retries.
Currencies
Settlement currency
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Processing currency
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Available in
- Global
FAQ
Statuses
Code 00 Description Approved and completed successfully
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Level Tier 0 - Success Frequency Common Code 01 Description Refer to card issuer
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Level Tier 0 - Retry or Fix Data Frequency Rare Code 02 Description Refer to card issuer, special condition
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Level Tier 1 - Retryable Frequency Rare Code 03 Description Invalid merchant
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Level Tier 1 - Retryable Frequency Frequent Code 04 Description Pick up card (no fraud)
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Level Tier 3 - Permanent Error Frequency Moderate Code 05 Description Do not honor
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Level Tier 2 - User Action Required Frequency Common Code 06 Description Error
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Level Tier 2 - User Action Required Frequency Common Code 07 Description Pick up card, special condition (fraud account)
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Level Tier 0 - Retry or Fix Data Frequency Common Code 10 Description Partial approval
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Level Tier 1 - Retryable Frequency Common Code 11 Description Approved (V.I.P)
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Level Tier 1 - Retryable Frequency Moderate Code 12 Description Invalid transaction
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Level Tier 0 - Success Frequency Frequent Code 13 Description Invalid amount or currency conversion field overflow
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Level Tier 1 - Retryable Frequency Common Code 14 Description Invalid account number (no such number)
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Level Tier 1 - Retryable Frequency Moderate Code 15 Description No such issuer
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Level Tier 3 - Permanent Error Frequency Rare Code 19 Description Re-enter transaction
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Level Tier 2 - User Action Required Frequency Common Code 21 Description No action taken
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Level Tier 3 - Permanent Error Frequency Moderate Code 25 Description Unable to locate record in file
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Level - Frequency - Code 28 Description File temporarily not available for update or inquiry
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Level - Frequency - Code 39 Description No credit account
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Level - Frequency - Code 41 Description Lost card, pick up (fraud account)
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Level - Frequency - Code 43 Description Stolen card, pick up (fraud account)
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Level - Frequency - Code 46 Description Closed account
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Level - Frequency - Code 51 Description Not sufficient funds
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Level - Frequency - Code 52 Description No checking account
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Level - Frequency - Code 53 Description No savings account
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Level - Frequency - Code 54 Description Expired card or expiration date is missing
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Level - Frequency - Code 55 Description Incorrect PIN or PIN missing
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Level - Frequency - Code 57 Description Transaction not permitted to cardholder
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Level - Frequency - Code 58 Description Transaction not allowed at terminal
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Level - Frequency - Code 59 Description Suspected fraud
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Level - Frequency - Code 61 Description Exceeds approval amount limit
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Level - Frequency - Code 62 Description Restricted card (card invalid in this region or country)
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Level - Frequency - Code 63 Description Security violation (source is not correct issuer)
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Level - Frequency - Code 64 Description Transaction does not fulfill AML requirement
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Level - Frequency - Code 65 Description Exceeds withdrawal frequency limit
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Level - Frequency - Code 70 Description PIN data required
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Level - Frequency - Code 74 Description Different value than that used for PIN encryption errors
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Level - Frequency - Code 75 Description Allowable number of PIN entry tries exceeded
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Level - Frequency - Code 76 Description Unsolicited reversal
Level - Frequency - Code 78 Description “Blocked, first used”—Transaction from new cardholder, and card not properly unblocked
Level - Frequency - Code 79 Description Already reversed (by Switch)
Level - Frequency - Code 80 Description No financial impact
Level - Frequency - Code 81 Description Cryptographic error found in PIN
Level - Frequency - Code 82 Description Negative CAM, dCVV, iCVV, or CVV results
Level - Frequency - Code 85 Description No reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise return
Level - Frequency - Code 86 Description Cannot verify PIN; for example, no PVV
Level - Frequency - Code 89 Description Ineligible to receive financial position information (GIV)
Level - Frequency - Code 91 Description Issuer or switch inoperative and STIP not applicable or not available for this transaction; Time-out when no stand-in; POS Check Service: Destination unavailable; Credit Voucher and Merchandise Return Authorizations: V.I.P. sent the transaction to the issuer, but the issuer was unavailable.
Level - Frequency - Code 92 Description Financial institution or intermediate network facility cannot be found for routing (receiving institution ID is invalid)
Level - Frequency - Code 93 Description Transaction cannot be completed - violation of law
Level - Frequency - Code 94 Description Request is identified as a duplicate
Level - Frequency - Code 96 Description System malfunction
Level - Frequency - Code 1A Description Additional customer authentication required
Level - Frequency - Code 6P Description Verification data failed
Level - Frequency - Code B1 Description Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)
Level - Frequency - Code B2 Description Surcharge amount not supported by debit network issuer.
Level - Frequency - Code N0 Description Force STIP
Level - Frequency - Code N3 Description Cash service not available
Level - Frequency - Code N4 Description Cash request exceeds issuer or approved limit
Level - Frequency - Code N5 Description Ineligible for resubmission
Level - Frequency - Code N7 Description Decline for CVV2 failure
Level - Frequency - Code N8 Description Transaction amount exceeds preauthorized approval amount
Level - Frequency - Code P5 Description Denied PIN unblock—PIN change or unblock request declined by issuer
Level - Frequency - Code P6 Description Denied PIN change—requested PIN unsafe
Level - Frequency - Code Q1 Description Card Authentication failed
Level - Frequency - Code R0 Description Stop Payment Order
Level - Frequency - Code R1 Description Revocation of authorization order
Level - Frequency - Code R2 Description Transaction does not qualify for Visa PIN
Level - Frequency - Code R3 Description Revocation of all authorizations order
Level - Frequency - Code Z3 Description Unable to go online; offline-declined
Level - Frequency - Code 5C Description Transaction not supported/blocked by issuer
Level - Frequency - Code 9G Description Blocked by cardholder/contact cardholder
Level - Frequency - Code 05 Description 3DS Authenticated
The transaction was successfully authenticated using 3-D Secure. The cardholder completed the authentication challenge (frictionless or challenge flow). Liability typically shifts to the issuer.
Level Tier 0 - Success Frequency - Code 06 Description 3DS Attempted Authentication
The merchant attempted to authenticate the cardholder using 3-D Secure, but the issuer or cardholder did not complete the process. Liability shift may still apply depending on region and rules.
Level Tier 0 - Retry or Fix Data Frequency - Code 07 Description Non-3DS / Unauthenticated Transaction
The transaction was processed without 3-D Secure authentication (e.g., merchant exemption, non-participating issuer, or out-of-scope transaction). Merchant bears liability.
Level - Frequency - Code Y Description Authentication/ Account Verification Successful
Level - Frequency - Code N Description Not Authenticated /Account Not Verified; Transaction denied
Level - Frequency - Code U Description Authentication/ Account Verification Could Not Be Performed; Technical or other problem, as indicated in ARes or RReq
Level - Frequency - Code A Description Attempts Processing Performed; Not Authenticated/Verified , but a proof of attempted authentication/verification is provided
Level - Frequency - Code C Description Challenge Required; Additional authentication is required using the CReq/CRes
Level - Frequency - Code D Description Challenge Required; Decoupled Authentication confirmed.
Level - Frequency - Code R Description Authentication/ Account Verification Rejected; Issuer is rejecting authentication/verification and request that authorisation not be attempted.
Level - Frequency - Code I Description Informational Only; 3DS Requestor challenge preference acknowledged.
Level - Frequency - Code S Description Challenge using SPC
Level - Frequency - Code 01 Description Card authentication failed
Level - Frequency - Code 02 Description Unknown device
Level - Frequency - Code 03 Description Unsupported device
Level - Frequency - Code 04 Description Exceeds authentication frequency limit
Level - Frequency - Code 05 Description Expired card
Level - Frequency - Code 06 Description Invalid card number
Level - Frequency - Code 07 Description Invalid transaction
Level - Frequency - Code 08 Description No card record
Level - Frequency - Code 09 Description Security failure
Level - Frequency - Code 10 Description Stolen card
Level - Frequency - Code 11 Description Suspected fraud
Level - Frequency - Code 12 Description Transaction not permitted to Cardholder
Level - Frequency - Code 13 Description Cardholder not enrolled in service
Level - Frequency - Code 14 Description Transaction timed out at the ACS
Level - Frequency - Code 15 Description Low confidence
Level - Frequency - Code 16 Description Medium confidence
Level - Frequency - Code 17 Description High confidence
Level - Frequency - Code 18 Description Very high confidence
Level - Frequency - Code 19 Description Exceeds ACS maximum challenges
Level - Frequency - Code 20 Description Non-Payment transaction not supported
Level - Frequency - Code 21 Description 3RI transaction not supported
Level - Frequency - Code 22 Description ACS technical issue
Level - Frequency - Code 23 Description Decoupled Authentication required by ACS but not requested by 3DS Requestor
Level - Frequency - Code 24 Description 3DS Requestor Decoupled Max Expiry Time exceeded
Level - Frequency - Code 25 Description Decoupled Authentication was provided insufficient time to authenticate Cardholder. ACS will not make attempt
Level - Frequency - Code 26 Description Authentication attempted but not performed by the Cardholder
Level - Frequency - Code 27 Description Preferred Authentication Method not supported
Level - Frequency - Code 28 Description Validation of content security policy failed
Level - Frequency - Code 29 Description Authentication attempted but not completed by the Cardholder. Fall back to Decoupled Authentication
Level - Frequency - Code 30 Description Authentication completed successfully but additional authentication of the Cardholder required. Reinitiate as Decoupled Authentication
Level - Frequency - Code 31-79 Description Reserved for EMVCo future use (values invalid until defined by EMVCo)
Level - Frequency - Code 80-99 Description Reserved for DS use
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Klarna is a payment provider that lets merchants offer buy now, pay later and flexible payment options at checkout.
Paysafe Group
Paysafe Group is a payments provider supporting merchants with payment processing and related tools for accepting and managing transactions.
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