What does decline code 78 mean?

Blocked, first used / no account. Customer must activate the card.

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Decline code 78 — Blocked, first used / no account

Visa response code 78.

Code

78 Visa

Meaning

Blocked, first used / no account

Type

hard decline

Retry?

What to do

Customer must activate the card.

Tell the customer

“Your card is not activated yet.”