Help >> Why Credit Card Payments Fail: How to Solve the Issue

Why Credit Card Payments Fail: How to Solve the Issue

This guide breaks down the most common reasons behind payment failures—from expired cards and strict bank security blocks to gateway timeouts—and gives you clear, practical solutions to fix them fast.

Error Code Reference Table

If you see an error code during checkout, find it in the table below for the explanation and recommended action.

Code	Error Message	Explanation	Recommended Action
60106	The user failed to pay within the specified time and the order is closed due to timeout	Payment timeout – the order was closed because the payment was not completed within the time limit	Please complete the payment within the specified time. The order has been closed and needs to be re-initiated.
60129	Suspected Counterfeit Card	The card is suspected to be a counterfeit card	1. Contact your issuing bank; 2. Try a different card.
6001A	Additional customer authentication required	Additional cardholder verification (3DS) is required	Try using a different card, or the merchant can force 3DS verification for this transaction.
6001Z	Authorization System or issuer system inoperative	The authorization system or issuing bank system is temporarily unavailable	Contact your issuing bank, or try a different card.
6006P	Verification data failed	Transaction information verification failed	1. Check the card info and retry; 2. If 3DS is triggered, complete it carefully; 3. Try a different card.
600B1	Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)	Surcharge not allowed on Visa cards (U.S. only)	Try a different card.
600B2	Surcharge amount not supported by debit network issuer	Debit card does not support surcharge fees	Try a different card.
600N0	Force STIP – Issuers route transaction to STIP when they cannot perform authorization	Visa/Mastercard intervenes in the transaction authentication process	1. Check the card info and retry; 2. Complete 3DS verification if prompted; 3. Try a different card.
600N3	Cash service not available	Cash service is unavailable	1. Contact your issuing bank; 2. Try again later; 3. Try a different order amount; 4. Try a different card.
600N4	Cash request exceeds issuer or approved limit	Cash request exceeds the limit set by the issuing bank	1. Contact your issuing bank; 2. Try a smaller order amount; 3. Try a different card.
600N5	Ineligible for resubmission	Duplicate submission is not allowed	1. Contact your issuing bank to confirm payment status; 2. Try a different card.
600N7	Decline for CVV2 failure	CVV2 (security code) verification failed	1. Check the card info and retry; 2. Contact your issuing bank; 3. Try a different card.
600N8	Transaction amount exceeds preauthorized approval amount	Transaction amount exceeds the pre-authorized amount	Please check if the charge amount is lower than the authorized amount.
600P5	Denied PIN unblock – PIN change or unblock request declined by issuer	The issuing bank declined the PIN unblock request	Contact your issuing bank, or try a different card.
600P6	Denied PIN change – requested PIN unsafe	The issuing bank declined the PIN change request	Contact your issuing bank, or try a different card.
600Q1	Card Authentication failed	Card authentication failed	1. Check the card info and retry; 2. Contact your issuing bank; 3. Try a different card.
600R0	Stop this payment Visa Reserved	This payment is not allowed (Visa only)	Do not retry this transaction. Contact the payment service provider for assistance.
600R1	Stop all future payments Visa Reserved	All future payments are blocked (Visa only)	Do not attempt any further transactions. Contact the payment service provider for assistance.

《Complete list of payment error codes, descriptions, and suggested actions》

Common Payment Failure Categories

Card Information Errors

Incorrect card number – Wrong format or length, or the first 8 digits cannot identify the issuing bank
Card expired – The credit card's validity period has passed
CVV2 verification failed – Incorrect security code entered
Billing address error – City name too long, incorrect state, etc.

Issuing Bank / Card Network Declines

Do not honor – The issuing bank does not recommend using this card for payment
Insufficient balance / credit limit exceeded – The transaction amount exceeds the card limit
Card not activated or temporarily frozen – New card not activated or card is temporarily frozen
PIN entry attempts exceeded – Too many incorrect PIN attempts, card locked
Issuer system failure – The issuing bank's system is temporarily unavailable
Issuer unable to authorize – The issuing bank cannot process the transaction at this time

Risk Control / Security Interceptions

Suspected fraudulent transaction – The acquiring bank or issuing bank suspects fraud risk
High credit card risk – The system determines the card has a high risk level
Frequent payment attempts blocked – Multiple payment attempts within a short period triggered the risk control system
Suspected money laundering – The transaction does not meet anti-money laundering requirements
Suspected counterfeit card – The card is flagged as potentially counterfeit

3DS Verification Issues

3DS verification required – The transaction requires additional cardholder authentication
3DS verification failed – The user did not pass the 3DS identity verification
3DS system failure – The 3DS verification system is experiencing issues

System / Technical Issues

Payment timeout – The user did not complete the payment within the specified time, order closed
Duplicate transaction – The same transaction was submitted more than once
Acquiring bank system failure – The acquiring bank's system is experiencing an error or timeout
Transaction routing failure – Unable to find the correct transaction route
System configuration error – Incorrect merchant configuration or parameters

Other Reasons

Card type not supported – Card types such as MAESTRO are not supported
Transaction amount issue – Invalid amount or currency conversion error
Order already cancelled – The order has been cancelled and cannot be paid

Recommended Troubleshooting Steps

Check the error code – Refer to the table above to identify the specific issue.
For card info errors – Double-check your card number, expiry date, CVV, and billing address, then retry.
For issuing bank declines – Contact your bank's customer service to confirm the reason.
For risk control blocks – Try using a different card, or contact the payment service provider.
For system issues – Wait a moment and try again, or contact technical support.
If payment was deducted but order not updated – Contact our customer service team with your order number and payment screenshot for assistance.

Note: If you continue to experience payment issues, please contact our customer support team with your order number and the error message or code displayed. We will be happy to assist you.