---
title: "Credit card error messages and declines"
slug: "credit-card-error-messages-and-declines"
updated: 2026-10-15T01:01:47Z
published: 2026-10-15T01:01:47Z
canonical: "help.servicetitan.com/credit-card-error-messages-and-declines"
---

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

# Credit card error messages and declines

## Overview

This article helps you understand how decline codes work and how you can resolve them when a credit card charge is declined. Below is a list of possible error codes and necessary steps to complete the payment.

---

### 

#### Who uses this feature

- Administrators
- Technicians

## List of common errors and next steps

| **Error code** | **Description** | **Next Steps** |
| --- | --- | --- |
| Credit card with keyPGT:CC_____ not found. | The charge isn't successful. | Try again. If the issue persists, contact payment support at [paymentsupport@servicetitan.com](mailto:paymentsupport@servicetitan.com). |
| Do Not Honor | The card is declined for an unknown reason. | The customer needs to contact their card issuer for more information. |
| Duplicate Transaction | The card and credentials were used in an earlier transaction with the same amount as the new transaction. This causes the system to flag the new transaction as a duplicate. | Update the newer payment to a different amount and try to collect again. For example, you can add $0.01 more to the newer payment so the amount is different from the earlier transaction. |
| Exceeds withdrawal limit | The customer has exceeded the balance or credit limit available on their card. | The customer needs to use an alternative payment method. |
| Expired card | The card has expired. | The customer needs to use an alternative payment method. |
| Fraudulent card | The customer's bank suspects fraud. | The customer needs to contact their card issuer for more information. |
| General Error | The card is declined for an unknown reason. | Try again. If the error persists, request your customer to call the card issuer for more information or use an alternative payment method. |
| Insufficient funds | The card has insufficient funds to complete the purchase. | The customer needs to use an alternative payment method. |
| Invalid card security code | The customer has entered an invalid security code or made a typo in their card information. | Try again. If the error persists, request your customer to call the card issuer for more information or use an alternative payment method. |
| Invalid Credit Card Number | The credit card number entered doesn't exist. | The customer needs to try again and use the correct credit card number. |
| Invalid CVV | The CVV number is incorrect. | The customer needs to try again and use the correct CVV. |
| Invalid expiration date | The customer has entered an invalid payment method or made a typo in their card expiration date. | Ask the customer to correct their payment information and attempt the transaction again. If the decline persists, they need to contact their card issuer. |
| Invalid PIN | Invalid PIN or missing PIN. Some cards always require a PIN. | The customer needs to try again and use the correct PIN. |
| Lost card | The payment is declined because the card is reported lost. | The customer needs to contact their card issuer for more information. |
| No card number on file with issuer | This decline code indicates that the submitted card number doesn't correlate to an existing card-issuing bank or there is a connectivity error with the issuer. | The customer needs to contact their card issuer for more information. |
| No such card issuer | The submitted card number doesn't correlate to an existing card-issuing bank or there is a connectivity error with the issuer. | The customer needs to contact their card issuer for more information. |
| Over limit | The attempted transaction exceeds the withdrawal limit of the account. | The customer needs to contact their card issuer or use an alternative payment method. |
| Pick up card | The customer can't use this card to make this payment. Maybe it is reported lost or stolen. | The customer needs to contact their card issuer for more information. |
| Security Violation | The card is declined for an unknown reason. | The customer needs to contact their card issuer for more information. |
| Stolen card | The payment is declined because the card is reported stolen. | The customer needs to contact their card issuer for more information. |
| Transaction not allowed | The customer's bank declines the transaction for unspecified reasons, maybe due to an issue with the card itself. | The customer needs to contact their card issuer for more information or use an alternative payment method. |
| Transaction not permitted by issuer | The payment isn't permitted. | The customer needs to contact their card issuer for more information or use an alternative payment method. |

## Want to learn more?

- See [Payments-FAQ](/construction/docs/payments-faq)