Adyen · Decline codes
What does Adyen refusal reason 14 “Acquirer Fraud” mean?
Checked
Adyen refusal reason 14, "Acquirer Fraud", means the acquirer flagged the transaction as possible fraud. Adyen's description is just "Possible fraud." It is a risk decision on the processing side, not the shopper's bank declining for funds. Do not keep retrying the same card; review the order, and if the shopper is genuine, offer another payment method.
- Type
- Risk block
- Who declined
- The acquirer
- Retry
- No. Review the order rather than retrying.
- Shopper action
- Contact the store or use another payment method.
- Merchant action
- Review the order before accepting another attempt.
What PlatformDTC does
PlatformDTC does not connect to Adyen; its checkout runs on Stripe and PayPal. On its Stripe rail, a processor-side fraud refusal (Stripe's fraudulent) is never retried and never sent to a backup processor, so a suspect payment cannot slip through another route.
Why it happens
The acquirer's own fraud checks judged the transaction too risky to pass on.
What the shopper can do
Use a different payment method or contact the store.
What the store can do
Look at the order details (email, address, IP, velocity). Adyen asks merchants not to expose refusal details to shoppers, so use a neutral message.
For developers
refusalReasonCode "14". Distinct from 20/22 (Adyen's own risk scoring) and 31 (the issuer suspects fraud).
Frequently asked questions
- Who flagged Adyen refusal 14 as fraud?
- The acquirer, not the shopper's bank and not Adyen's risk scoring.
- Should I tell the shopper it was fraud (Adyen 14)?
- No. Adyen advises not exposing refusal details to shoppers.
Sources
- Adyen refusal reasons — Adyen
- Stripe decline codes — Stripe
Related
- 20 — Adyen's pre-authorization risk checks scored the payment 100 or more and refused it.
- 22 — Pre- and post-authorization risk checks together scored 100 or more, so the payment was refused.
- 31 — The shopper's bank reported the payment as suspected fraud (raw 59 or 34).
- 15 — The transaction was cancelled before it completed.
- 16 — The shopper cancelled the payment before completing it.
- 21 — The transaction was not submitted correctly for processing.
- 23 — The issuer or acquirer does not permit this transaction on this card (raw 57 or 58).