Network decline codes

Learn about network decline codes and how to resolve them when a charge fails.

Network decline codes are typically alphanumeric error codes that indicate a reason for a payment decline. These codes often come from issuing banks, payment processors, or credit networks. Use the following table to help resolve issues relating to network decline codes:

Payment Method:

Raw network code	Decline code	Explanation	Next steps

`R01`, `R09`	`insufficient_funds`	The payment process can’t be completed because your customer’s bank account doesn’t have the necessary funds.	Contact your customer to verify that they have the required funds, then retry the transaction.
`R02`	`bank_account_closed`	The payment can’t be processed because your customer’s bank account is closed.	Contact your customer to provide new account details, then retry the transaction.
`R03`, `R04`	`bank_account_invalid_details`	The transaction can’t be processed because the bank account information that your customer provided is incorrect.	Contact your customer for correct account details, then retry the transaction.
`R05`, `R07`, `R08`, `R10`, `R11`, `R29`, `R31`	`debit_not_authorized`	This payment doesn’t have an authorized mandate.	Collect a new mandate, then retry the transaction.
`R15`	`recipient_deceased`	The attempt to set up a mandate is made on the account of a potentially deceased individual.	Verify your customer’s status, then retry the transaction.
`R16`	`bank_account_frozen`	The payment can’t be processed because your customer’s bank account is frozen.	Contact your customer to provide new account details, then retry the transaction.
`R20`	`bank_account_restricted`	The payment can’t be processed because your customer’s bank has blocked direct debits, either by the bank’s actions or your customer’s.	Contact your customer to understand the reason for the block. If the bank unblocks the account, retry the transaction.