Skip to main content
Sign in MENU

Payment Additions - Troubleshooting Guide

MINIBC Support
  • Updated

When manually entering a customer's credit card over the phone, it's not uncommon to encounter errors due to security protocols, gateway-specific requirements, or input issues. Below is a breakdown of the most common issues across major payment gateways and where to find their complete error documentation.

 

1. Authorize.net

Common Errors

  • E00027 – Invalid credit card number.

    • Usually due to a mistyped card number or unsupported card type.

  • E00003 – The 'x_card_num' field is required.

    • Indicates the card number field was left blank.

  • 65 – This transaction was declined.

    • Often related to card limits or restrictions set by the issuer.

  • 78 – The card has expired.

    • Verify the expiry date entered.

Full Error Code List:

Authorize.net Response Reason Codes

 

2. Braintree by PayPal

Common Errors

  • 91706 – Credit card number is invalid.

    • Usually a formatting error or invalid Luhn checksum.

  • 81701 – Credit card has expired.

    • Check expiry date input.

  • 91565 – Cannot use a payment method once it has been declined.

    • Card has been marked as permanently declined.

  • 91564 – Processor declined.

    • General decline by the card issuer. Try a different card.

Full Error Code List:

Braintree Error & Validation Codes

 

3. Stripe

Common Errors

  • incorrect_number – The card number is not a valid credit card number.

  • expired_card – The card has expired.

  • card_declined – The card was declined.

    • Can include additional decline_code like insufficient_funds or stolen_card.

  • processing_error – An error occurred while processing the card.

    • Usually a temporary issue on Stripe or the issuer side.

Full Error Code List:

Stripe Error Codes

 

4. NMI (Network Merchants Inc.)

Common Errors

  • 200 – Transaction was declined by the processor.

  • 220 – Invalid credit card number.

  • 222 – Invalid expiration date.

  • 240 – Call issuer for further authorization.

    • Often means the customer must contact their bank.

Full Error Code List:

NMI Response/Error Codes

 

5. USAePay

Common Errors

  • 10112 – Invalid card number.

  • 10113 – Invalid expiration date.

  • 10114 – Card has expired.

  • 10107 – Transaction declined by issuing bank.

    • Can happen due to suspected fraud or insufficient funds.

Full Error Code List:

USAePay Error Codes

 

6. Square

Common Errors

  • CARD_DECLINED – The card was declined.

  • VERIFY_CVV_FAILURE – CVV failed verification.

  • INVALID_CARD – The card number is invalid.

  • EXPIRED_CARD – The card has expired.

Full Error Code List:

Square Error Codes

 

General Tips

  • Always double-check: Number, expiry, CVV, and billing ZIP.

  • Use the exact name on the card to avoid verification mismatches.

  • Be cautious with repeated attempts — multiple failures can cause the gateway or issuer to block the card.

  • Use gateway logs or the merchant dashboard to review the precise error returned.

  • Ask the customer to contact their bank if the issue is persistent or unclear.

Related to

Related articles