ToolerCat / Decline Codes / Decline code 01 — Refer to card issuer

Decline code 01 — Refer to card issuer

Refer to card issuer. Do not retry automatically. Ask the customer to contact the issuer or use another card.

Retry: No (ask customer to call bank).

ISO 8583 response code 01.

Code

01 ISO 8583

Meaning

Refer to card issuer

Type

soft decline

Retry?

No (ask customer to call bank)

What to do

Do not retry automatically. Ask the customer to contact the issuer or use another card.

Tell the customer

“Your bank needs you to contact them to approve this payment.”