Paya: 000043 Decline - Hold Call

What This Means

This decline code means that the card has been lost, stolen, or otherwise flagged for pickup by the issuing bank.

Suggested Next Steps

  1. Suggested action from Paya:

    • If you have the physical card in your possession, you should not return the card to the customer. You should retain the card and call the phone number on the back of the card to report the decline.
    • If you do not have the card, it is possible to look up the issuing bank's phone number by using a BIN search engine online and entering the first six digits of the card number. These digits comprise the BIN and are used to identify the bank that issued a particular card. You can find a number of commonly used BIN search engines by performing a Google search for 'bin lookup.'
  2. Contact the customer to have them add a new payment method and add it to their Scheduled Order.

  3. Once a new payment method is added to the Scheduled Order, the Scheduled Order should be processed with the new payment method.

Adding A New Payment Method for Your Customer?

If you are adding a new payment method for your customer directly to your payment gateway (manually), ensure that you edit the failed Scheduled Order, add a new payment method, and copy the required billing information from the payment gateway directly to their Scheduled Order including:

  • Gateway CustomerId
  • Billing Address
  • Payment Method Description (optional, but strongly suggested because it is used to display the payment method to your customer)

After Resolving The Issue

Once this issue is resolved, you should use the action to Restart Processing the Failed Scheduled Order.