Transaction Decline Reasons


(James) #1

As per Monzo’s public documentation, when a transaction is declined the entry is populated with a decline_reason.

The docs show a couple of examples, but there many others that may happen that your applications may want to handle with better wording etc!


  • ACCOUNT_CLOSED
    • Your account is closed
  • BELOW_MINIMUM_TRANSACTION_AMOUNT
    • Deposit below %s minimum
  • CARD_BLOCKED
    • Use your new card instead
  • CARD_CLOSED
    • Payment was on your old, deactivated card
  • CARD_INACTIVE
    • Defrost your card from Account
  • CARD_REQUIRES_ACTIVATION
    • Activate your card from Account
  • CONTACTLESS_FAILURE
    • Contactless failed, please try chip & PIN
  • CVC_BLOCKED
    • Unblock your pin from Account
  • EXCEEDS_DEPOSIT_AMOUNT_LIMIT
    • Deposit exceeds your 180 day limit
  • EXCEEDS_TRANSACTION_AMOUNT_LIMIT
    • Transaction exceeds your limit
  • EXCEEDS_TRANSACTION_AMOUNT_LIMIT_KYC_REQUIRED
    • Transaction exceeds your limit
  • EXCEEDS_WITHDRAWAL_AMOUNT_LIMIT
    • Withdrawal exceeds your limit
  • EXCEEDS_WITHDRAWAL_AMOUNT_LIMIT_KYC_REQUIRED
    • Withdrawal exceeds your limit
  • EXCEEDS_WITHDRAWAL_COUNT_LIMIT
    • Withdrawal exceeds your limit
  • EXCEEDS_WITHDRAWAL_COUNT_LIMIT_KYC_REQUIRED
    • Withdrawal exceeds your limit
  • GAMBLING_BLOCK
    • Gambling transactions are blocked
  • INSUFFICIENT_FUNDS
    • You didn’t have %s
  • INVALID_APPLICATION_CRYPTOGRAM
    • Please try again
  • INVALID_CONTACTLESS_MAGSTRIPE_DATA
    • Please try again
  • INVALID_CVC
    • Wrong 3-digit code
  • INVALID_EXPIRY_DATE
    • Wrong expiry date
  • INVALID_MERCHANT
    • Pay at pump not supported
  • INVALID_NEW_PIN
    • Choose a 4-digit PIN
  • INVALID_PIN
    • Wrong PIN
  • KYC_REQUIRED
    • Confirm your identity
  • MAGNETIC_STRIP_ATM
    • Turn on magstripe from card management
  • MERCHANT_BLOCKED
    • You asked us to block this merchant
  • NEW_PIN_DISALLOWED
    • Please choose a different PIN
  • OTHER
    • Declined
  • PIN_REQUIRED
    • Sorry, please try another card
  • PIN_RETRY_COUNT_EXCEEDED
    • Unblock your pin from Account

This is correct as of the v2.37.0 Android release