> ## Documentation Index
> Fetch the complete documentation index at: https://primer.io/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Primer's Unified Mapping Standard

We unify the decline codes across all processors and payment methods we integrate with so you only have to understand them in one way.

This guide will outline how we map issuer decline reasons.

> [!NOTE]
>
> [See here for an overview of what decline codes are and how they're defined on Primer.](https://primer.io/docs/concepts/decline-codes/overview.md)

### How does Primer approach this?

Where possible, we map our decline reasons to the raw response codes that the issuers provide that are defined by the card networks (e.g. Visa and Mastercard).

If the raw response code isn’t returned by the processor, we use the processor response code.

> [!NOTE]
>
> Primer exposes the underlying decline codes for selected payment methods, card networks, and processors to enable you to analyze them in a unified way.
>
> Head over to the [Payment method decline codes](https://primer.io/docs/concepts/decline-codes/payment-method-decline-codes.md) guide to learn more.

### Mapping Standard

*Only showing for Mastercard & Visa.*

| Raw response code | Card Network(s) | Decline Type | Decline Reason |
| :- | :- | :- | :- |
| 01: Refer to card issuer | Mastercard | `SOFT_DECLINE` | `REFER_TO_CARD_ISSUER` |
| 03: Invalid merchant | Mastercard  Visa | `HARD_DECLINE` | `ERROR` |
| 04: Pickup card (no fraud) \[Visa] / Capture card \[Mastercard] | Mastercard  Visa | `HARD_DECLINE` | `LOST_OR_STOLEN_CARD` |
| 05: Do not honor | Mastercard  Visa | `SOFT_DECLINE` | `DO_NOT_HONOR` |
| 07: Pickup card, special conditions | Visa | `HARD_DECLINE` | `LOST_OR_STOLEN_CARD` |
| 12: Invalid transaction | Mastercard  Visa | `HARD_DECLINE` | `ERROR` |
| 13: Invalid amount | Mastercard | `HARD_DECLINE` | `ERROR` |
| 14: Invalid card number | Mastercard  Visa | `HARD_DECLINE` | `INVALID_CARD_NUMBER` |
| 15: No such issuer | Mastercard  Visa | `HARD_DECLINE` | `ERROR` |
| 19: Re-enter transaction | Visa | `SOFT_DECLINE` | `ISSUER_TEMPORARILY_UNAVAILABLE` |
| 30: Format error | Mastercard | `SOFT_DECLINE` | `DECLINED` |
| 41: (Pickup card) lost card | Mastercard  Visa | `HARD_DECLINE` | `LOST_OR_STOLEN_CARD` |
| 43: (Pickup card) stolen card | Mastercard  Visa | `HARD_DECLINE` | `LOST_OR_STOLEN_CARD` |
| 46: Closed Account | Visa | `HARD_DECLINE` | `ERROR` |
| 51: Insufficient funds / Not Sufficient Funds | Mastercard  Visa | `SOFT_DECLINE` | `INSUFFICIENT_FUNDS` |
| 54: Expired card / Expiration date missing | Mastercard  Visa | `HARD_DECLINE` | `EXPIRED_CARD` |
| 57: Transaction not permitted to issuer/cardholder | Mastercard  Visa | `HARD_DECLINE` | `ERROR` |
| 58: Transaction not permitted to acquirer | Mastercard | `HARD_DECLINE` | `ERROR` |
| 59: Suspected fraud | Visa | `HARD_DECLINE` | `SUSPECTED_FRAUD` |
| 61: Exceeds withdrawal amount limit(s) / Exceeds approval amount limit | Mastercard  Visa | `SOFT_DECLINE` | `WITHDRAWAL_LIMIT_EXCEEDED` |
| 62: Restricted card | Mastercard  Visa | `HARD_DECLINE` | `ERROR` |
| 63: Security violation | Mastercard | `SOFT_DECLINE` | `REFER_TO_CARD_ISSUER` |
| 65: Exceeds Withdrawal Frequency Limit | Mastercard  Visa | `SOFT_DECLINE` | `WITHDRAWAL_LIMIT_EXCEEDED` |
| 65: Authentication required | Mastercard | `SOFT_DECLINE` | `AUTHENTICATION_REQUIRED` |
| 70: Contact card issuer | Mastercard | `SOFT_DECLINE` | `REFER_TO_CARD_ISSUER` |
| 76: Invalid/non-existent “To Account” specified | Mastercard | `HARD_DECLINE` | `ERROR` |
| 77: Invalid/non-existent “From Account” specified | Mastercard | `HARD_DECLINE` | `ERROR` |
| 78: Invalid/nonexistent account specified (general) | Mastercard | `HARD_DECLINE` | `ERROR` |
| 78: Blocked, first used | Visa | `SOFT_DECLINE` | `REFER_TO_CARD_ISSUER` |
| 79: Lifecycle | Mastercard | `HARD_DECLINE` | `ERROR` |
| 82: Policy | Mastercard | `HARD_DECLINE` | `ERROR` |
| 83: Fraud / Security | Mastercard | `HARD_DECLINE` | `SUSPECTED_FRAUD` |
| 84: Invalid Authorization Lifecycle | Mastercard | `HARD_DECLINE` | `ERROR` |
| 88: Cryptographic failure | Mastercard | `HARD_DECLINE` | `ERROR` |
| 91: Issuer unavailable or switch inoperative | Mastercard  Visa | `SOFT_DECLINE` | `ISSUER_TEMPORARILY_UNAVAILABLE` |
| 92: Unable to route transaction | Mastercard | `SOFT_DECLINE` | `DECLINED` |
| 93: Transaction cannot be completed; violation of law | Visa | `HARD_DECLINE` | `ERROR` |
| 96: System malfunction | Mastercard  Visa | `SOFT_DECLINE` | `ISSUER_TEMPORARILY_UNAVAILABLE` |
| R0: Stop Payment Order | Visa | `HARD_DECLINE` | `ERROR` |
| R1: Revocation of Authorization Order | Visa | `HARD_DECLINE` | `ERROR` |
| R3: Revocation of all authorization orders | Visa | `HARD_DECLINE` | `ERROR` |
| N7: Decline for CVV2 Failure | Visa | `HARD_DECLINE` | `ERROR` |
| 1A: Additional Customer Authentication Required (Europe only) | Visa | `SOFT_DECLINE` | `AUTHENTICATION_REQUIRED` |


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