- Joined
- Jun 16, 2020
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1. No money. There is no necessary amount at all (if a debit card), a balance limit (if a credit card). For reference, just in case: the money on a credit card is not always possible to spend everything at once, most often it is possible in parts for some period of time, this part is the balance. The checker shows the code 51.
What can be done: For a debit card - wait when the holder deposit money. For a credit card, wait until a new piece of money becomes available for use. Buy CC and try again.
2. Ban on international transactions, i.e. the holder quietly spends money within his country, but cannot spend abroad. Some banks put an automatic ban, sometimes holders do the same. Theoretically, you can try to lift the ban instead of the holder. The checker shows the code 05.
What can be done: Use CC in the country of the holder. Buy CC which is suitable for you.
3. Error merchant account. The checker shows the code 00. This means that the CC valid.
What can be done: Use the CC in another store.
4. Merchant account does not accept cards of certain countries, and your card from this list. Checker shows code 00 or 05.
What can be done: Use the CC in another store.
5. Error while filling data. Sealed with date expiration, etc. The checker shows the code 00, fully valid CC.
What can be done: Check the correctness of filling data.
6. Merchant account works with 3d-secure (VBV) and rejects all transactions from cards that do not support it. If you find CC no VBV you can not pay. Checker shows code 00.
What can be done: Use the CC in another store.
7. The bank does not allow payment, as the merchant account and its activities are not approved by the legislation of the country of the holder (for example: most US banks and poker sites). Checker shows code 00.
What can be done: Use the CC in another store. Buy CC which is suitable for you.
8. Bin is dead and merchant account immediately rejects payment. It happens that a certain bin works well in any store and this becomes known to a large number of carders. Merchant account sees that carders work with this bin and blocks it. Checker shows code 00, CC valid.
What can be done: Use the CC in another store.
9. Merchant account sees that use VPN. Checker shows code 00.
What can be done: Use the CC in another store. Use another VPN.
10. Problems with IP-address: does not match of state-city-country; socks on the blacklist. The checker shows the code 05.
What can be done: Use the CC in another store. Use the appropriate IP address.
11. Holder / bank limits the amount of tranzes (for example, the student’s parents are monitored for money). Checker shows code 51, CC valid.
What can be done: Buy CC which is suitable for you.
12. Holder himself established additional security measures (for example, the bank should call him at a specific number and clarify whether he really agrees to major spending; rarely happens).
What can be done: Buy CC and try again.
13. The card is already tied by the holder to the shop / office and tied to the account, so it can only be used from the holder's account (rarely happens). Checker shows code 00, CC valid.
What can be done: Use the CC in another store. Buy CC which is suitable for you.
14. Rarely encountered, but there is: for approval in the merchant account of Europe and the USA of cards from Japan and China, the shop needs to undergo some kind of agreement at the processing company. If the shop didn’t, the Chinese and Japanese cards are declining.
What can be done: Use the CC in another store. Buy CC which is suitable for you.
Now you see that the reasons why a valid CC can be decline is a lot. It is necessary to understand all these nuances.
What can be done: For a debit card - wait when the holder deposit money. For a credit card, wait until a new piece of money becomes available for use. Buy CC and try again.
2. Ban on international transactions, i.e. the holder quietly spends money within his country, but cannot spend abroad. Some banks put an automatic ban, sometimes holders do the same. Theoretically, you can try to lift the ban instead of the holder. The checker shows the code 05.
What can be done: Use CC in the country of the holder. Buy CC which is suitable for you.
3. Error merchant account. The checker shows the code 00. This means that the CC valid.
What can be done: Use the CC in another store.
4. Merchant account does not accept cards of certain countries, and your card from this list. Checker shows code 00 or 05.
What can be done: Use the CC in another store.
5. Error while filling data. Sealed with date expiration, etc. The checker shows the code 00, fully valid CC.
What can be done: Check the correctness of filling data.
6. Merchant account works with 3d-secure (VBV) and rejects all transactions from cards that do not support it. If you find CC no VBV you can not pay. Checker shows code 00.
What can be done: Use the CC in another store.
7. The bank does not allow payment, as the merchant account and its activities are not approved by the legislation of the country of the holder (for example: most US banks and poker sites). Checker shows code 00.
What can be done: Use the CC in another store. Buy CC which is suitable for you.
8. Bin is dead and merchant account immediately rejects payment. It happens that a certain bin works well in any store and this becomes known to a large number of carders. Merchant account sees that carders work with this bin and blocks it. Checker shows code 00, CC valid.
What can be done: Use the CC in another store.
9. Merchant account sees that use VPN. Checker shows code 00.
What can be done: Use the CC in another store. Use another VPN.
10. Problems with IP-address: does not match of state-city-country; socks on the blacklist. The checker shows the code 05.
What can be done: Use the CC in another store. Use the appropriate IP address.
11. Holder / bank limits the amount of tranzes (for example, the student’s parents are monitored for money). Checker shows code 51, CC valid.
What can be done: Buy CC which is suitable for you.
12. Holder himself established additional security measures (for example, the bank should call him at a specific number and clarify whether he really agrees to major spending; rarely happens).
What can be done: Buy CC and try again.
13. The card is already tied by the holder to the shop / office and tied to the account, so it can only be used from the holder's account (rarely happens). Checker shows code 00, CC valid.
What can be done: Use the CC in another store. Buy CC which is suitable for you.
14. Rarely encountered, but there is: for approval in the merchant account of Europe and the USA of cards from Japan and China, the shop needs to undergo some kind of agreement at the processing company. If the shop didn’t, the Chinese and Japanese cards are declining.
What can be done: Use the CC in another store. Buy CC which is suitable for you.
Now you see that the reasons why a valid CC can be decline is a lot. It is necessary to understand all these nuances.