Payment Errors & Decline Codes

Use the failure code on an invoice or payment attempt to choose the next step. The tables below cover Australian bank debit, common card declines and additional Stripe codes.

Check the status before the code

If the payment is Pending or Processing, wait for the final result before asking the customer to pay that invoice again. BECS Direct Debit usually takes up to 3 business days to confirm. A subscription can be active during that wait, even though its payment is not yet Paid. If the invoice is Payment Failed or Overdue, find its code in the tables below. Where a retry is suggested, check for a scheduled Auto-Retry before making an extra attempt yourself. For overdue subscription and instalment invoices, check whether Overdue Assistant is handling follow-up. The payment-recovery guide explains how to use both and when to step in. If the code requires updated payment details or customer verification, the customer can follow the prompt at checkout or, for an existing purchase, use the link in their Newie payment email. Overdue Assistant follow-ups include their Customer Manage Link too. Resend the relevant customer link only if they need another copy.

Find the payment failure code

BECS Direct Debit failures (Australia)

Newie can retry an eligible failed BECS payment when Auto-Retry is active. If automatic retries have finished, the customer can use their emailed link to review the failure and complete payment. Invalid bank details need to be corrected first.

Code	Description	What to Do
`no_account`	Bank account does not exist	Ask the customer to update their payment method.
`account_closed`	Bank account is closed	Ask the customer to update their payment method.
`debit_not_authorized`	Debit was not authorized	Ask the customer to update their payment method.
`refer_to_customer`	Insufficient funds or the bank requires customer action	Ask the customer to add funds or contact their bank. If Auto-Retry is active and the payment is eligible, Newie can retry the failed payment.

These are the common BECS failures covered in Stripe’s failure guidance. For another code, include the exact code and message when you contact Newie support.

Common card decline codes

Decline Code	Description	What to Do
`authentication_required`	The bank needs the customer to authenticate the payment	Ask the customer to complete bank verification at checkout or through their existing purchase link. Resend the link if needed.
`call_issuer`	Card issuer needs to be contacted	Ask the customer to contact their bank or use another payment method.
`card_not_supported`	Card is not supported	Ask the customer to use another payment method.
`do_not_honor`	The bank declined the payment without a specific reason	Ask the customer to contact their bank or use another card.
`expired_card`	Card has expired	Ask the customer to update with an active card.
`fraudulent`	Payment was flagged as fraud	Ask the customer to use another payment method.
`generic_decline`	Unknown or blocked decline	Ask the customer to update their payment method or contact their bank.
`incorrect_cvc`	CVC is incorrect	Ask the customer to re-enter the correct CVC.
`incorrect_number`	Card number is incorrect	Ask the customer to re-enter the correct card number.
`insufficient_funds`	Not enough funds	Ask the customer to add funds, then retry.
`invalid_expiry_month`	Expiry month is incorrect	Ask the customer to correct the expiry date.
`invalid_expiry_year`	Expiry year is incorrect	Ask the customer to correct the expiry date.
`issuer_not_available`	Issuer could not authorize	Retry later, or ask the customer to use another payment method if it continues.
`lost_card`	Card was reported lost	Ask the customer to use another card.
`stolen_card`	Card was reported stolen	Ask the customer to use another card.
`card_velocity_exceeded`	Spending or transaction limit exceeded	Ask the customer to contact their bank or use another payment method.
`currency_not_supported`	Currency is not supported by the card	Ask the customer to use another card.

Additional Stripe card decline or error codes

You may also see these Stripe codes in Newie. Include the exact code if you contact support. Stripe’s decline-code reference has the full list.

Code	Meaning	What to Do
`approve_with_id`	Transaction was not authorized	Retry the payment. If it still fails, ask the customer to contact their card issuer.
`do_not_try_again`	Deprecated code for an issuer decline without a specific reason	Ask the customer to contact their card issuer or use another payment method.
`duplicate_transaction`	Possible duplicate transaction	Check for an existing successful or processing payment before retrying. For subscriptions and instalment plans, use Invoice History.
`incorrect_pin`	Incorrect PIN	Ask the customer to retry with the correct PIN or use another payment method.
`incorrect_zip`	Incorrect billing postal code	Ask the customer to update payment details with the correct postal code.
`invalid_account`	Invalid card account	Ask the customer to update payment method.
`invalid_amount`	Amount is invalid or exceeds a limit	Check the amount; if correct, ask the customer to contact their issuer.
`invalid_cvc`	Invalid CVC	Ask the customer to update payment details with the correct CVC.
`invalid_number`	Invalid card number	Ask the customer to update payment details with the correct card number.
`invalid_pin`	Invalid PIN	Ask the customer to retry with the correct PIN or use another payment method.
`merchant_blacklist`	Payment matches a Stripe block-list entry	Tell the customer the payment was declined. Contact Newie support if you need help reviewing it.
`new_account_information_available`	Card or linked account is invalid	Ask the customer to contact their issuer.
`no_action_taken`	Issuer declined without a reason	Ask the customer to contact their issuer.
`not_permitted`	Transaction is not permitted on the card	Ask the customer to use another payment method or contact their card issuer.
`offline_pin_required`	Card needs an inserted-card PIN check	Use another payment method for Tap to Pay.
`online_or_offline_pin_required`	PIN required	Follow the PIN prompt if available; otherwise use another payment method.
`pickup_card`	Card cannot be used	Ask the customer to contact their issuer.
`pin_try_exceeded`	PIN attempt limit reached	Use another card or payment method.
`processing_error`	Processing failed	Retry; if it fails again, try later.
`reenter_transaction`	Issuer asks for transaction to be re-entered	A retry may succeed. Use another payment method if it continues.
`restricted_card`	Card is restricted	Ask the customer to use another payment method or contact their card issuer.
`revocation_of_all_authorizations`	Issuer declined without a reason	Ask the customer to contact their issuer.
`revocation_of_authorization`	Issuer declined without a reason	Ask the customer to contact their issuer.
`security_violation`	Issuer declined without a reason	Ask the customer to contact their issuer.
`service_not_allowed`	Issuer declined without a reason	Ask the customer to contact their issuer.
`stop_payment_order`	Issuer declined without a reason	Ask the customer to contact their issuer.
`testmode_decline`	Test card used in a live payment flow	Ask the customer to use a real live card.
`transaction_not_allowed`	Transaction not allowed by card issuer	Ask the customer to contact their card issuer or use another payment method.
`try_again_later`	Deprecated code for an issuer decline without a specific reason	Retry; if it is declined again, ask the customer to contact their issuer.
`withdrawal_count_limit_exceeded`	Card balance or credit limit exceeded	Ask the customer to contact their card issuer or use another payment method.

Region-specific payment restrictions

Amex is not supported for UAE-based businesses

Stripe does not support American Express for UAE-based providers. If an Amex payment is declined or rejected, ask the customer to use another supported payment method. There is no Newie setting to enable it. See Stripe’s card-brand table.

If the code does not explain the problem

Contact Newie support with the customer name, service, invoice date, exact status or code, and a screenshot. Include the action you tried and the time of the attempt so support can find the payment and investigate. Last updated: 2026-09-11

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Reference

Payment Errors & Decline Codes

Check the status before the code

Find the payment failure code

BECS Direct Debit failures (Australia)

Common card decline codes

Additional Stripe card decline or error codes

Region-specific payment restrictions

Amex is not supported for UAE-based businesses

If the code does not explain the problem

​Check the status before the code

​Find the payment failure code

​BECS Direct Debit failures (Australia)

​Common card decline codes

​Additional Stripe card decline or error codes

​Region-specific payment restrictions

​Amex is not supported for UAE-based businesses

​If the code does not explain the problem

Check the status before the code

Find the payment failure code

BECS Direct Debit failures (Australia)

Common card decline codes

Additional Stripe card decline or error codes

Region-specific payment restrictions

Amex is not supported for UAE-based businesses

If the code does not explain the problem