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Card rejection reasons
When a card payment is rejected, the account isn't charged. The reason in the rejected transaction's statusInfo explains why. Share the following resolutions with your users to help them resolve common issues.
Not all rejection codes are listed here. Refer to the full RejectedReasonCode enum for the complete list.
Common rejection codes
| Rejection reason code | Explanation | Resolution |
|---|---|---|
CardNotActivated | The card isn't activated. | Activate the physical card before making a payment. |
CardPermanentlyBlocked | The card is permanently blocked. | Order a new card. Permanently blocked cards can't be reactivated. |
CardSuspended | The card is suspended. | Unsuspend the card. |
DigitalCardDeactivated | The digital card is deactivated. | Reactivate the digital card (Apple Pay or Google Pay), or add it again to your digital wallet or merchant website. |
DigitalCardRefusal | The digital card issuer rejected the transaction. | Reactivate the digital card (Apple Pay or Google Pay), or add it again to your digital wallet or merchant website. |
DigitalCardTokenInvalid | The digital card is inactive, expired, or doesn't exist. | Remove the card from your Apple or Google wallet and add it again. |
InsufficientFunds | There are insufficient funds on the account. | Add funds to the account before retrying the transaction. |
InvalidExpirationDate | The expiration date provided doesn't match the card's expiration date. | Verify you entered the correct expiration date (MM/YY format). |
InvalidPinAttemptsExceeded | The cardholder entered the incorrect PIN too many times. | Unblock the physical card. |
MerchantShouldResubmitAuthorization | The merchant didn't use 3-D Secure (3DS). | Try removing your card from the merchant's website or app and re-adding it, which triggers a new 3DS flow. If that doesn't work, ask the merchant to resubmit the authorization using 3DS. |
PinInvalid | The PIN entered is incorrect. | Retry with the correct PIN. |
PinRequired | The cardholder didn't enter their PIN. | Insert the card into the terminal and enter the PIN to complete the payment. |
PinRequiredForFurtherTransaction | The cardholder must enter their PIN while completing a transaction to reactivate the card. | Complete a chip-and-PIN transaction to reactivate contactless functionality. |
SwanTechnicalErrorOccurred | A technical error occurred. | Retry the transaction. If the problem persists, contact Swan Support with the transaction details. |
ThreeDsError | There was an error with 3-D Secure (3DS). | Retry the transaction and complete the 3-D Secure authentication. |
TransactionTypeNotAllowed | This transaction type isn't allowed on the card. | Verify your card settings. For example, you might have tried to withdraw money while withdrawals are disabled. |
Prevent common rejections
- Activate physical cards before first use.
- Enable international and non-main currency transactions before traveling.
- Monitor spending limits and available balance.
- Keep card details secure to prevent fraud-related blocks.