Declined · decode any status
"Insufficient Funds"
The account does not have enough money (or enough credit available) to cover the charge. The bank refused the transaction rather than letting it overdraft.
Where you see this phrase
Merchant checkout, ACH transfers, recurring billing failures.
What you can do
Add funds, pay down credit, or use a different payment method. If it was a recurring charge, expect the merchant to retry within a few days.
Other declined phrases
The issuer or processor refused the transaction.
“Card Declined”
The issuer (your bank) said no. The bank is the only one that knows exactly why — the merchant generally does not see the specific reason and is not allowed to.
“Do Not Honor”
The issuer declined the charge without telling the merchant why. "Do Not Honor" (decline code 05) is the most common decline reason and is intentionally vague — it can mean fraud suspicion, security flags, account issues, or just "we are not approving this right now."
“Suspected Fraud”
The bank's fraud system flagged the charge as potentially not-you and declined it as a precaution. Card may also be temporarily frozen.
“AVS Mismatch”
The billing address (or ZIP / postal code) you entered does not match what the issuer has on file. Address Verification System (AVS) is a fraud-prevention layer.
“CVV Mismatch”
The 3- or 4-digit security code from the back (Visa / Mastercard) or front (Amex) of the card does not match. The bank refused the transaction.
“Expired Card”
The card is past its expiration date. The issuer will not approve any transaction on it.
Other stages of the payment lifecycle
The same transaction passes through several stages — each with its own phrase library.