Stripe decline-code reference

22 Stripe decline codes covering ~95% of failed-charge volume on a typical B2B SaaS Stripe account. Each page covers meaning, common cause, retry strategy, and customer-facing recovery action.

• insufficient_funds — Insufficient funds
  The card had a balance below the charge amount when the transaction was attempted.
• expired_card — Expired card
  The card's expiration date has passed.
• generic_decline — Generic decline
  The issuer declined the charge without specifying a reason.
• do_not_honor — Do not honor
  The issuer chose not to authorize the charge. This is the most common 'soft' issuer decline.
• card_velocity_exceeded — Card velocity exceeded
  The card has been used too many times in too short a window.
• incorrect_cvc — Incorrect CVC
  The CVC code didn't match what the issuer has on file.
• incorrect_number — Incorrect card number
  The card number itself is invalid.
• invalid_cvc — Invalid CVC format
  The CVC value didn't pass format checks (e.g. 4 digits for a Visa, which expects 3).
• invalid_expiry_year — Invalid expiry year
  The expiration year doesn't pass format checks or is in the past.
• invalid_expiry_month — Invalid expiry month
  The expiration month is out of range (e.g. 13).
• processing_error — Processing error
  Stripe-side or network-side transient error during processing.
• fraudulent — Fraudulent
  The issuer flagged the charge as suspected fraud.
• lost_card — Lost card
  The card has been reported lost.
• stolen_card — Stolen card
  The card has been reported stolen.
• pickup_card — Pickup card
  The issuer wants the card seized at point-of-sale.
• currency_not_supported — Currency not supported
  The card can't pay in the charged currency.
• card_not_supported — Card type not supported
  Your Stripe account doesn't accept this card type (e.g. Diners Club).
• authentication_required — Authentication required
  The charge needs 3D Secure authentication and didn't complete it.
• call_issuer — Call issuer
  The issuer wants the cardholder to call them before authorizing further charges.
• transaction_not_allowed — Transaction not allowed
  The card type doesn't permit this kind of transaction (e.g. recurring charges on a one-time-use card).
• withdrawal_count_limit_exceeded — Withdrawal count limit exceeded
  Issuer rate-limit on withdrawals/charges per period.
• service_not_allowed — Service not allowed
  The merchant category isn't accepted for this card.