Where to Find Decline Reasons for a Failed Reap Card Transaction?
You can access decline reasons from the transaction failure email notification, you should be able to find the reason for transaction failure in the content of the email.
Reap Card Transaction Decline Codes
Here is a list of decline codes that you may encounter. Understanding these codes and their meanings is crucial for efficiently addressing transaction declines and providing a better payment experience for your customers.
Decline Code | Description | Next Action |
05 | The system has timed out. | Retry the transaction a moment later. |
41 | The card's status is lost. | Transact with another card. |
46 | The card has been destroyed. | Transact with another card. |
51 | Insufficient funds. | Increase your card's credit limit |
61 | The ATM withdrawal amount limit has been exceeded. | The company's owner/representative to reach Reap CS for a request to raise the limit |
62 | ATM withdrawal is not permitted in the merchant's country. | Please make cash withdrawals from other countries instead. |
65 | The ATM withdrawal frequency has been exceeded. | The company's owner/representative to reach Reap CS for a request to raise the limit |
70 | Card status is not normal. Please contact the issuer. | Contact Reap CS for further assistance |
75 | The card has been blocked due to exceeding the maximum number of incorrect ATM PIN attempts. | Cardholder to contact Reap CS to verify your identity to unblock the card |
77 | The issuer does not participate in that merchant category. | This payment category is restricted, please contact your team's admin or Reap CS for further assistance. |
R1 | The cardholder has frozen the card. | Visit the Dashboard to unfreeze the Card. |
R2 | The card has been blocked due to exceeding the maximum number of incorrect CVV transaction attempts. | Cardholder to contact Reap CS to verify your identity to unblock the card |
R3 | The card has been blocked due to exceeding the maximum number of incorrect expiry date transaction attempts. | Cardholder to contact Reap CS to verify your identity to unblock the card |
R4 | The card is not activated. | Visit the Dashboard to activate the Card. |
Why Didn't I Receive a Decline Notification for My Transaction?
If your transaction cannot be processed, but you haven't received a decline notification via email, there could be a few reasons for this.
Check your email settings: Ensure that the email notifications for transaction declines are not being filtered to your spam or junk folder. Sometimes, email providers may mistakenly categorize these notifications as spam.
Check your registered email address: Double-check that the email address associated with your account is correct. If there is a typo or outdated email address, you may not receive the decline notification.
Merchant issues: Sometimes the authorisation of a transaction fails on the merchant's side before the authorisation reaches our system. We suggest you reach out to the merchant to understand the reason for the decline, because some merchants may bar non-local cards from making a transaction on their website.
If you need further assistance or clarification regarding the decline, reach out to our customer success team. We will be happy to help you resolve the issue and provide any necessary information.