When a card transaction is declined, Gnosis Pay returns a decline code and a customer-facing message via the Partner API, webhooks, and on the Partner Dashboard. The 90+ underlying technical codes from Pismo are grouped into customer-facing categories, so cardholders see clear, actionable language rather than a raw processor code.
This page lists every code by category, the message shown to the user, and the technical reason behind it — useful when investigating a specific decline with your support team.
A code not listed here falls back to a generic message: “Transaction denied (code: {code})“.
1. Temporary issue
Message shown to user: “Temporary issue. Please try again.”
Transient, infrastructure-level failures. Retrying the transaction typically resolves them.
2. Card could not be read
Message shown to user: “Card could not be read. Please try again.”
3. Card status invalid
Message shown to user: “Card status invalid. Contact support.”
4. Card transaction limit reached
Message shown to user: “Card transaction limit reached.”
5. Mismatched key value for DCC
Message shown to user: “Mismatched key value for DCC”
6. Card not activated
Message shown to user: “Card not activated. Please activate.”
7. Card no longer valid
Message shown to user: “Card no longer valid.”
##8. Mismatched key value for refund
Message shown to user: “Mismatched key value for Refund.”
9. Currency conversion not permitted
Message shown to user: “Currency conversion not permitted. Select local currency.”
10. Security check failed
Message shown to user: “Security check failed. Please try again.”
Message shown to user: “Payment declined. Contact support.”
12. Wallet payment failed, re-add card
Message shown to user: “Wallet payment failed. Re-add card and try again.”
13. Payment failed, check token status
Message shown to user: “Payment failed. Please check your token status.”
14. Use PIN to complete transaction
Message shown to user: “Use PIN to complete transaction”
15. Invalid currency
Message shown to user: “Invalid currency. Contact support.”
16. Transaction type not supported
Message shown to user: “Transaction type not supported. Please try again.”
17. Verification not completed
Message shown to user: “Verification not completed. Please try again.”
18. DCC not allowed
Message shown to user: “DCC not allowed”
19. Installment not allowed
Message shown to user: “Installment not allowed”
20. Mismatched account type
Message shown to user: “Mismatched Account type for this transaction”
21. Card type not supported
Message shown to user: “Card type not supported”
22. Payment method not accepted here
Message shown to user: “Payment method not accepted here.”
23. Other decline codes
These codes fall outside the standard grouping (business, fraud, or card-status declines) and are shown with their own descriptive message directly.
