Authorize.Net · Decline codes
What does Authorize.Net 128 “This transaction cannot be processed” mean?
Checked
Authorize.Net response reason code 128, "This transaction cannot be processed", means the customer's financial institution does not currently allow transactions for this account. The block is on the bank's side, so retrying the same account will not help. The shopper should contact their bank or choose another card or payment method; the store simply offers an alternative.
- Type
- Hard decline
- Who declined
- The shopper's bank
- Retry
- No, not until the shopper's bank allows the account again.
- Shopper action
- Contact the bank or pay another way.
- Merchant action
- Ask for a different payment method.
What PlatformDTC does
PlatformDTC shows the shopper Authorize.Net's own message for code 128; the code is not on PlatformDTC's reroute list, and PlatformDTC never sends an unrecognized code to a backup processor.
Why it happens
Authorize.Net's note for this code: "The customer's financial institution does not currently allow transactions for this account." Frozen, restricted or newly opened accounts are common causes.
What the shopper can do
Ask your bank whether the account is restricted for online payments, or pay with another card.
What the store can do
Nothing to fix in your settings. Offer another payment method.
Frequently asked questions
- Is Authorize.Net code 128 temporary?
- It lasts until the shopper's bank lifts the restriction, which only the bank can do.
- Should I retry Authorize.Net code 128?
- No. The bank is refusing transactions on that account; ask for another payment method.
Sources
- Authorize.Net Response Code Tool (response reason codes) — Authorize.Net
- Authorize.Net response codes (JSON list behind the Response Code Tool) — Authorize.Net
Related
- 2 — The card issuer, or the processor on its behalf, refused the payment without a specific reason.
- 4 — The processor reports the card must be picked up: the issuer wants it out of use.
- 250 — The payment came from an IP address you blocked in Authorize.Net's fraud tools.
- 251 — A Fraud Detection Suite filter declined the payment, including the blocked-IP filter.
- 252 — The payment was accepted but is held for your review by a fraud filter set to hold.
- 253 — The card was authorized, but a fraud filter is holding the payment for your review.
- 254 — You or your team declined the payment after reviewing a held transaction.
- 295 — The prepaid card only covered part of the amount; another payment is needed for the rest.