What is a payment decline code?

A payment decline code is a numeric or alphanumeric response returned by a payment processor when a transaction is rejected. These codes indicate the specific reason for the decline, such as insufficient funds, expired card, or suspected fraud. Understanding decline codes helps merchants take the right recovery action.

What is the difference between a soft decline and a hard decline?

A soft decline is a temporary rejection that can often be resolved by retrying the payment at a later time (e.g., insufficient funds, issuer temporarily unavailable). A hard decline is a permanent rejection that requires customer action to resolve (e.g., expired card, closed account, stolen card). Smart retry logic should only attempt to recover soft declines.

How many payment processors does LostChurn support?

LostChurn classifies 316 unique decline codes across 18 payment processors: Adyen, AuthorizeNet, Braintree, Chargebee, CheckoutCom, DodoPayments, FastSpring, GoCardless, Mollie, Nuvei, Paddle, PayPal, Polar, Razorpay, Recurly, Square, Stripe, Worldpay, Zuora. Each code is categorized as soft decline, hard decline, fraud, technical, or authentication failure with specific recovery strategies.

Payment Decline Code Reference

266 decline codes across 19 payment processors, categorized with recovery strategies to help you recover failed payments.

266

Decline Codes

Payment Processors

Categories

32%

Recoverable

Showing 266 of 266 decline codes

Code	PSP	Description	Category	Status
insufficient_funds	Stripe	Insufficient funds in account	Soft Decline	Recoverable
processing_error	Stripe	Processing error at issuer	Soft Decline	Recoverable
try_again_later	Stripe	Issuer temporarily unable to process	Soft Decline	Recoverable
card_velocity_exceeded	Stripe	Too many transactions on card in short period	Soft Decline	Recoverable
generic_decline	Stripe	Generic decline — issuer gave no specific reason	Soft Decline	Recoverable
do_not_honor	Stripe	Issuer declined without specific reason	Soft Decline	Recoverable
issuer_not_available	Stripe	Issuer system temporarily unavailable	Soft Decline	Recoverable
reenter_transaction	Stripe	Issuer requests re-entry of transaction	Soft Decline	Recoverable
withdrawal_count_limit_exceeded	Stripe	Customer exceeded withdrawal count limit	Soft Decline	Recoverable
expired_card	Stripe	Card has expired	Hard Decline	Non-recoverable
incorrect_cvc	Stripe	CVC number is incorrect	Hard Decline	Non-recoverable
incorrect_number	Stripe	Card number is incorrect	Hard Decline	Non-recoverable
incorrect_zip	Stripe	ZIP code failed verification	Hard Decline	Non-recoverable
invalid_cvc	Stripe	CVC number is invalid	Hard Decline	Non-recoverable
invalid_expiry_month	Stripe	Expiration month is invalid	Hard Decline	Non-recoverable
invalid_expiry_year	Stripe	Expiration year is invalid	Hard Decline	Non-recoverable
invalid_number	Stripe	Card number is not a valid credit card number	Hard Decline	Non-recoverable
authentication_required	Stripe	Card requires 3D Secure authentication	Authentication	Non-recoverable
approve_with_id	Stripe	Payment cannot be authorized — customer must contact issuer	Authentication	Non-recoverable
call_issuer	Stripe	Customer must contact card issuer	Authentication	Non-recoverable
card_not_supported	Stripe	Card does not support this type of purchase	Hard Decline	Non-recoverable
currency_not_supported	Stripe	Card does not support the specified currency	Hard Decline	Non-recoverable
do_not_try_again	Stripe	Issuer has permanently blocked this transaction	Hard Decline	Non-recoverable
new_account_information_available	Stripe	Card has been renewed — customer should update payment info	Hard Decline	Non-recoverable
no_action_taken	Stripe	Issuer could not process for unknown reason	Hard Decline	Non-recoverable
not_permitted	Stripe	Payment not permitted — customer should contact issuer	Hard Decline	Non-recoverable
restricted_card	Stripe	Card has been restricted by issuer	Hard Decline	Non-recoverable
revocation_of_all_authorizations	Stripe	All authorizations revoked by cardholder	Hard Decline	Non-recoverable
revocation_of_authorization	Stripe	Authorization revoked by cardholder	Hard Decline	Non-recoverable
security_violation	Stripe	Security violation detected	Hard Decline	Non-recoverable
service_not_allowed	Stripe	Service not allowed for this card	Hard Decline	Non-recoverable
stop_payment_order	Stripe	Cardholder requested stop on payment	Hard Decline	Non-recoverable
transaction_not_allowed	Stripe	Transaction type not allowed for this card	Hard Decline	Non-recoverable
fraudulent	Stripe	Payment flagged as fraudulent	Fraud	Non-recoverable
merchant_blacklist	Stripe	Card is on merchant fraud blacklist	Fraud	Non-recoverable
stolen_card	Stripe	Card reported stolen	Fraud	Non-recoverable
lost_card	Stripe	Card reported lost	Fraud	Non-recoverable
pickup_card	Stripe	Card ordered confiscated by issuer	Fraud	Non-recoverable
invalid_account	Stripe	Account is invalid or closed	Technical	Non-recoverable
testmode_decline	Stripe	Test mode decline code	Technical	Non-recoverable
Refused	Adyen	Generic refusal — often temporary issuer decline	Soft Decline	Recoverable
Not Enough Balance	Adyen	Insufficient funds on the card	Soft Decline	Recoverable
Acquirer Error	Adyen	Temporary acquirer-side error	Soft Decline	Recoverable
Issuer Unavailable	Adyen	Issuer system temporarily unavailable	Soft Decline	Recoverable
Try Again Later	Adyen	Temporary failure, try again later	Soft Decline	Recoverable
Not enough balance	Adyen	Insufficient funds (lowercase variant)	Soft Decline	Recoverable
Transaction Not Permitted	Adyen	Transaction not permitted — may be temporary restriction	Soft Decline	Recoverable
Withdrawal Amount Exceeded	Adyen	Withdrawal amount limit exceeded	Soft Decline	Recoverable
Acquirer Fraud	Adyen	Acquirer flagged as possible fraud — may be retried	Soft Decline	Recoverable
Pin Tries Exceeded	Adyen	Too many PIN attempts — temporary lockout	Soft Decline	Recoverable
Expired Card	Adyen	Card has expired	Hard Decline	Non-recoverable
CVC Declined	Adyen	CVC/CVV code was declined	Hard Decline	Non-recoverable
Restricted Card	Adyen	Card is restricted for this type of transaction	Hard Decline	Non-recoverable
3D Not Authenticated	Adyen	3D Secure authentication failed or not completed	Hard Decline	Non-recoverable
Shopper Cancelled	Adyen	Shopper cancelled the transaction	Hard Decline	Non-recoverable
Online Pin Required	Adyen	Online PIN verification required	Hard Decline	Non-recoverable
Referral	Adyen	Issuer requires manual referral — customer must contact bank	Hard Decline	Non-recoverable
Authentication Required	Adyen	Strong customer authentication required	Hard Decline	Non-recoverable
Declined Non Generic	Adyen	Non-generic decline — customer should contact issuer	Hard Decline	Non-recoverable
Issuer Suspected Fraud	Adyen	Issuer suspects fraud — customer must verify with bank	Hard Decline	Non-recoverable
Fraud	Adyen	Transaction flagged as fraud	Technical	Non-recoverable
Card Stolen	Adyen	Card reported stolen	Technical	Non-recoverable
Blocked Card	Adyen	Card is blocked	Technical	Non-recoverable
Invalid Card Number	Adyen	Card number is invalid	Technical	Non-recoverable
Not Submitted	Adyen	Transaction not submitted to acquirer	Technical	Non-recoverable
Revocation Of Auth	Adyen	Authorization has been revoked	Technical	Non-recoverable
Card Lost	Adyen	Card reported lost	Technical	Non-recoverable
Invalid Amount	Adyen	Transaction amount is invalid	Technical	Non-recoverable
Invalid Pin	Adyen	PIN is invalid	Technical	Non-recoverable
No Contract Found	Adyen	No recurring contract found for this shopper	Technical	Non-recoverable
2000	Braintree	Do Not Honor — generic issuer decline	Soft Decline	Recoverable
2001	Braintree	Insufficient Funds	Soft Decline	Recoverable
2002	Braintree	Limit Exceeded	Soft Decline	Recoverable
2003	Braintree	Cardholder Activity Limit Exceeded	Soft Decline	Recoverable
2038	Braintree	Processor Declined — generic processor decline	Soft Decline	Recoverable
2046	Braintree	Declined — generic decline	Soft Decline	Recoverable
2047	Braintree	Call Issuer — update card or retry	Soft Decline	Recoverable
2053	Braintree	Card reported as lost or stolen (soft)	Soft Decline	Recoverable
2057	Braintree	Issuer or cardholder has placed a restriction on the card	Soft Decline	Recoverable
2004	Braintree	Expired Card	Hard Decline	Non-recoverable
2005	Braintree	Invalid Credit Card Number	Hard Decline	Non-recoverable
2006	Braintree	Invalid Expiration Date	Hard Decline	Non-recoverable
2007	Braintree	No Account	Hard Decline	Non-recoverable
2010	Braintree	Card Issuer Declined CVV	Hard Decline	Non-recoverable
2012	Braintree	Card Not Activated	Hard Decline	Non-recoverable
2016	Braintree	Duplicate Transaction	Hard Decline	Non-recoverable
2044	Braintree	Decline — customer requested stop of specific recurring	Hard Decline	Non-recoverable
2048	Braintree	Invalid Amount	Hard Decline	Non-recoverable
2049	Braintree	Invalid SKU Number	Hard Decline	Non-recoverable
2074	Braintree	PayPal — 3D Secure authentication required	Authentication	Non-recoverable
2015	Braintree	Transaction Not Allowed	Technical	Non-recoverable
2059	Braintree	Suspected Fraud	Fraud	Non-recoverable
2014	Braintree	Processor Declined — possible fraud detected	Fraud	Non-recoverable
2043	Braintree	Fraud — stolen card	Fraud	Non-recoverable
2060	Braintree	Fraud Security Violation	Fraud	Non-recoverable
2062	Braintree	Invalid/Non-existent Account — Fraud	Fraud	Non-recoverable
gateway_fraud	Braintree	Gateway rejected — fraud	Fraud	Non-recoverable
gateway_avs	Braintree	Gateway rejected — AVS mismatch	Hard Decline	Non-recoverable
gateway_cvv	Braintree	Gateway rejected — CVV mismatch	Hard Decline	Non-recoverable
gateway_duplicate	Braintree	Gateway rejected — duplicate transaction	Hard Decline	Non-recoverable
gateway_risk_threshold	Braintree	Gateway rejected — risk threshold exceeded	Fraud	Non-recoverable
gateway_three_d_secure	Braintree	Gateway rejected — 3D Secure required	Authentication	Non-recoverable
05	Worldpay	Do not honour — most common, often temporary	Soft Decline	Recoverable
30	Worldpay	Format error — temporary processing issue	Soft Decline	Recoverable
51	Worldpay	Insufficient funds	Soft Decline	Recoverable
61	Worldpay	Exceeds withdrawal limit	Soft Decline	Recoverable
65	Worldpay	Activity count limit exceeded	Soft Decline	Recoverable
82	Worldpay	Timeout — temporary processing issue	Soft Decline	Recoverable
91	Worldpay	Issuer unavailable — temporary	Soft Decline	Recoverable
96	Worldpay	System malfunction — temporary	Soft Decline	Recoverable
33	Worldpay	Expired card	Hard Decline	Non-recoverable
54	Worldpay	Expired card	Hard Decline	Non-recoverable
55	Worldpay	Incorrect PIN	Hard Decline	Non-recoverable
57	Worldpay	Transaction not permitted to cardholder	Hard Decline	Non-recoverable
12	Worldpay	Invalid transaction	Technical	Non-recoverable
13	Worldpay	Invalid amount	Technical	Non-recoverable
14	Worldpay	Invalid card number	Technical	Non-recoverable
34	Worldpay	Suspected fraud	Fraud	Non-recoverable
36	Worldpay	Restricted card	Technical	Non-recoverable
41	Worldpay	Lost card	Fraud	Non-recoverable
43	Worldpay	Stolen card	Fraud	Non-recoverable
62	Worldpay	Restricted card	Technical	Non-recoverable
insufficient_funds	Shopify	Insufficient funds	Soft Decline	Recoverable
card_declined	Shopify	Generic card decline	Soft Decline	Recoverable
processing_error	Shopify	Processing error	Soft Decline	Recoverable
do_not_honor	Shopify	Issuer declined	Soft Decline	Recoverable
expired_card	Shopify	Card expired	Hard Decline	Non-recoverable
authentication_required	Shopify	3DS required	Hard Decline	Non-recoverable
call_issuer	Shopify	Customer must call issuer	Hard Decline	Non-recoverable
invalid_card_number	Shopify	Invalid card number	Technical	Non-recoverable
stolen_card	Shopify	Card reported stolen	Technical	Non-recoverable
denied	PayPal	Generic denial — often temporary	Soft Decline	Recoverable
INSTRUMENT_DECLINED	PayPal	Payment instrument declined — may be temporary	Soft Decline	Recoverable
INSUFFICIENT_FUNDS	PayPal	Insufficient funds in account	Soft Decline	Recoverable
TRANSACTION_REFUSED	PayPal	Transaction refused — generic, often temporary	Soft Decline	Recoverable
PAYMENT_DENIED	PayPal	Payment denied — generic denial	Soft Decline	Recoverable
INTERNAL_SERVICE_ERROR	PayPal	PayPal internal service error — temporary	Soft Decline	Recoverable
PAYER_ACTION_REQUIRED	PayPal	Payer needs to take action in their PayPal account	Hard Decline	Non-recoverable
CARD_EXPIRED	PayPal	Card on file has expired	Hard Decline	Non-recoverable
CREDIT_CARD_CVV_CHECK_FAILED	PayPal	Credit card CVV verification failed	Authentication	Non-recoverable
ADDRESS_MISMATCH	PayPal	Billing address mismatch	Authentication	Non-recoverable
FUNDING_SOURCE_ALREADY_EXISTS	PayPal	Funding source already exists — customer must resolve	Hard Decline	Non-recoverable
INVALID_CARD_NUMBER	PayPal	Card number is invalid	Technical	Non-recoverable
COMPLIANCE_VIOLATION	PayPal	Transaction violates compliance rules	Technical	Non-recoverable
CURRENCY_NOT_ALLOWED	PayPal	Currency is not allowed for this transaction	Technical	Non-recoverable
DUPLICATE_TRANSACTION	PayPal	Duplicate transaction detected	Technical	Non-recoverable
insufficient_funds	Recurly	Insufficient funds	Soft Decline	Recoverable
declined	Recurly	Generic decline	Soft Decline	Recoverable
do_not_honor	Recurly	Do not honor	Soft Decline	Recoverable
processing_error	Recurly	Processing error	Soft Decline	Recoverable
try_again_later	Recurly	Try again later	Soft Decline	Recoverable
exceeds_limit	Recurly	Exceeds daily limit	Soft Decline	Recoverable
bank_error	Recurly	Bank processing error	Soft Decline	Recoverable
expired_card	Recurly	Card expired	Hard Decline	Non-recoverable
cvv_error	Recurly	CVV verification failed	Hard Decline	Non-recoverable
call_issuer	Recurly	Customer must call issuer	Hard Decline	Non-recoverable
restricted	Recurly	Restricted card	Hard Decline	Non-recoverable
transaction_not_allowed	Recurly	Transaction not allowed	Hard Decline	Non-recoverable
card_not_activated	Recurly	Card not activated	Hard Decline	Non-recoverable
not_permitted	Recurly	Transaction not permitted	Hard Decline	Non-recoverable
invalid_number	Recurly	Invalid card number	Technical	Non-recoverable
pickup_card	Recurly	Pick up card	Technical	Non-recoverable
lost_card	Recurly	Lost card	Technical	Non-recoverable
stolen_card	Recurly	Stolen card	Technical	Non-recoverable
fraud_suspected	Recurly	Fraud suspected	Technical	Non-recoverable
invalid_merchant	Recurly	Invalid merchant	Technical	Non-recoverable
Decline	Nuvei	Generic decline — gateway gave no specific reason	Soft Decline	Recoverable
Insufficient Funds	Nuvei	Insufficient funds in cardholder account	Soft Decline	Recoverable
Do Not Honor	Nuvei	Issuer declined without specific reason	Soft Decline	Recoverable
Card Declined	Nuvei	Card declined — no further details provided	Soft Decline	Recoverable
Exceeds Limit	Nuvei	Transaction exceeds card spending limit	Soft Decline	Recoverable
Processor Decline	Nuvei	Processor declined the transaction — may be temporary	Soft Decline	Recoverable
Invalid Transaction	Nuvei	Transaction is not valid for this card or account	Hard Decline	Non-recoverable
Expired Card	Nuvei	Card has expired — customer must update payment method	Hard Decline	Non-recoverable
Restricted Card	Nuvei	Card has been restricted by issuer	Hard Decline	Non-recoverable
Transaction Not Permitted	Nuvei	Transaction type not permitted for this card	Hard Decline	Non-recoverable
Invalid Card Number	Nuvei	Card number is invalid — cannot be retried	Technical	Non-recoverable
Lost Card	Nuvei	Card reported lost — do not retry	Fraud	Non-recoverable
Stolen Card	Nuvei	Card reported stolen — do not retry	Fraud	Non-recoverable
Security Violation	Nuvei	Security violation detected — terminal failure	Fraud	Non-recoverable
Suspected Fraud	Nuvei	Transaction flagged as suspected fraud	Fraud	Non-recoverable
declined	Paddle	Generic decline	Soft Decline	Recoverable
insufficient_funds	Paddle	Insufficient funds	Soft Decline	Recoverable
do_not_honor	Paddle	Do not honor	Soft Decline	Recoverable
processing_error	Paddle	Processing error	Soft Decline	Recoverable
bank_refusal	Paddle	Bank refused transaction	Soft Decline	Recoverable
velocity_exceeded	Paddle	Too many attempts	Soft Decline	Recoverable
expired_card	Paddle	Card expired	Hard Decline	Non-recoverable
card_not_supported	Paddle	Card not supported	Hard Decline	Non-recoverable
currency_not_supported	Paddle	Currency not supported	Hard Decline	Non-recoverable
authentication_required	Paddle	3DS authentication required	Hard Decline	Non-recoverable
restricted_card	Paddle	Restricted card	Hard Decline	Non-recoverable
invalid_card	Paddle	Invalid card	Technical	Non-recoverable
fraud	Paddle	Fraud detected	Technical	Non-recoverable
stolen_card	Paddle	Stolen card	Technical	Non-recoverable
lost_card	Paddle	Lost card	Technical	Non-recoverable
insufficient_funds	GoCardless	The customer's bank account had insufficient funds — most common DD failure	Soft Decline	Recoverable
refer_to_payer	GoCardless	Bank wants the payer to resolve the issue directly	Hard Decline	Non-recoverable
payment_stopped	GoCardless	Payer stopped this specific payment	Hard Decline	Non-recoverable
account_transferred	GoCardless	Account moved to another bank — customer must update details	Hard Decline	Non-recoverable
authorisation_disputed	GoCardless	Payer disputes the direct debit authorisation	Hard Decline	Non-recoverable
bank_account_closed	GoCardless	Customer's bank account has been closed	Technical	Non-recoverable
mandate_cancelled	GoCardless	Direct debit mandate has been cancelled	Technical	Non-recoverable
direct_debit_not_enabled	GoCardless	Account is not set up for direct debit payments	Technical	Non-recoverable
invalid_bank_details	GoCardless	Bank account details are invalid	Technical	Non-recoverable
bank_account_disabled	GoCardless	Bank account has been disabled and cannot process payments	Technical	Non-recoverable
insufficient_funds	Chargebee	Insufficient funds	Soft Decline	Recoverable
card_declined	Chargebee	Generic decline	Soft Decline	Recoverable
do_not_honor	Chargebee	Do not honor	Soft Decline	Recoverable
processing_error	Chargebee	Processing error	Soft Decline	Recoverable
bank_refusal	Chargebee	Bank refused	Soft Decline	Recoverable
expired_card	Chargebee	Card expired	Hard Decline	Non-recoverable
restricted_card	Chargebee	Restricted card	Hard Decline	Non-recoverable
transaction_not_allowed	Chargebee	Transaction not allowed	Hard Decline	Non-recoverable
incorrect_cvc	Chargebee	Incorrect CVC	Hard Decline	Non-recoverable
authentication_required	Chargebee	3DS required	Hard Decline	Non-recoverable
currency_not_supported	Chargebee	Currency not supported	Hard Decline	Non-recoverable
lost_card	Chargebee	Lost card	Technical	Non-recoverable
stolen_card	Chargebee	Stolen card	Technical	Non-recoverable
pickup_card	Chargebee	Pick up card	Technical	Non-recoverable
invalid_card_number	Chargebee	Invalid card number	Technical	Non-recoverable
20051	CheckoutCom	Insufficient Funds	Soft Decline	Recoverable
20005	CheckoutCom	Do Not Honor — issuer declined without specific reason	Soft Decline	Recoverable
200P1	CheckoutCom	Processing Error — temporary processing failure	Soft Decline	Recoverable
20068	CheckoutCom	Timeout — issuer response timed out	Soft Decline	Recoverable
20001	CheckoutCom	Soft Decline — general soft decline, retry likely to succeed	Soft Decline	Recoverable
20054	CheckoutCom	Expired Card	Hard Decline	Non-recoverable
20082	CheckoutCom	CVC Required — CVC verification failed or missing	Hard Decline	Non-recoverable
20065	CheckoutCom	3DS Required — 3D Secure authentication required	Authentication	Non-recoverable
20014	CheckoutCom	Invalid Card Number	Hard Decline	Non-recoverable
200T2	CheckoutCom	Restricted — card restricted for this type of transaction	Hard Decline	Non-recoverable
20059	CheckoutCom	Suspected Fraud	Fraud	Non-recoverable
20043	CheckoutCom	Stolen Card	Fraud	Non-recoverable
20041	CheckoutCom	Lost Card	Fraud	Non-recoverable
20004	CheckoutCom	Pickup Card — card ordered confiscated by issuer	Fraud	Non-recoverable
200R1	CheckoutCom	Revoked — authorization revoked by cardholder or issuer	Technical	Non-recoverable
20057	CheckoutCom	Not Permitted — transaction type not permitted for this card	Technical	Non-recoverable
20062	CheckoutCom	Restricted — card permanently restricted	Technical	Non-recoverable
200D1	CheckoutCom	Blacklisted — card is on merchant or issuer blacklist	Fraud	Non-recoverable
20084	CheckoutCom	Invalid Transaction — transaction type is invalid	Technical	Non-recoverable
200N3	CheckoutCom	Not Supported — service not supported for this card or merchant	Technical	Non-recoverable
2	AuthorizeNet	Declined — generic, often temporary issuer decline	Soft Decline	Recoverable
3	AuthorizeNet	Error — processing error at gateway or issuer	Soft Decline	Recoverable
51	AuthorizeNet	Insufficient funds in account	Soft Decline	Recoverable
65	AuthorizeNet	Activity limit exceeded — too many transactions	Soft Decline	Recoverable
152	AuthorizeNet	Processor declined — generic processor-level decline	Soft Decline	Recoverable
200	AuthorizeNet	Declined / Do Not Honor — generic issuer decline	Soft Decline	Recoverable
202	AuthorizeNet	Insufficient funds	Soft Decline	Recoverable
203	AuthorizeNet	Over limit — credit limit exceeded	Soft Decline	Recoverable
4	AuthorizeNet	Held for review — flagged for fraud review	Fraud	Non-recoverable
7	AuthorizeNet	Expired card	Hard Decline	Non-recoverable
8	AuthorizeNet	Card already expired	Hard Decline	Non-recoverable
27	AuthorizeNet	AVS mismatch — address verification failed	Authentication	Non-recoverable
44	AuthorizeNet	CVV mismatch — card verification value mismatch	Authentication	Non-recoverable
54	AuthorizeNet	Expired card	Hard Decline	Non-recoverable
201	AuthorizeNet	Expired card	Hard Decline	Non-recoverable
204	AuthorizeNet	Transaction not allowed — card restricted for this transaction type	Hard Decline	Non-recoverable
5	AuthorizeNet	Valid accept — test mode transaction	Technical	Non-recoverable
6	AuthorizeNet	Invalid card number	Technical	Non-recoverable
11	AuthorizeNet	Duplicate transaction	Technical	Non-recoverable
75	AuthorizeNet	Max PIN retries exceeded	Fraud	Non-recoverable
78	AuthorizeNet	No account — card account does not exist	Technical	Non-recoverable
205	AuthorizeNet	Card reported lost	Fraud	Non-recoverable
206	AuthorizeNet	Card reported stolen	Fraud	Non-recoverable
207	AuthorizeNet	Declined / Bad card — card number is invalid	Technical	Non-recoverable
254	AuthorizeNet	Fraud — transaction flagged as fraudulent	Fraud	Non-recoverable

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