ToolerCat / Decline Codes / Decline code 05 — Do not honor

Decline code 05 — Do not honor

Do not honor. Generic issuer decline (often risk/limits). Try 3DS/SCA, or let the customer retry. Avoid aggressive automatic retries.

Retry: Maybe, later (max a few times).

ISO 8583 response code 05.

Code

05 ISO 8583

Meaning

Do not honor

Type

soft decline

Retry?

Maybe, later (max a few times)

What to do

Generic issuer decline (often risk/limits). Try 3DS/SCA, or let the customer retry. Avoid aggressive automatic retries.

Tell the customer

“Your bank declined the payment. Please contact your bank or use another card.”