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:


2General decline by card issuing bank or by Merchant Service Provider
3Referral to card issuing bank for verbal approval
4Card reported lost or stolen; pick up card if physically available
27Address Verification Service (AVS) mismatch; declined by account settings
44Card Code decline by payment processor
45AVS and Card Code mismatch; declined by account settings
65Card Code mismatch; declined by account settings
250Fraud Detection Suite (FDS) blocked IP address
251FDS filter triggered--filter set to decline
254FDS 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