Reap Card Transaction Decline Reasons

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.

Code	Description
3	The merchant is not set up to accept this type of card. Please try using a different payment method.
5	The transaction has been declined due to do not honour.
41	The card has been reported as lost.
46	The card is no longer active.
51	Not enough balance to complete the transaction. Please add funds or use a different payment method.
54	The card has expired. Please use a valid card.
55	The entered PIN is incorrect. Please try again.
57	Something went wrong when processing the transaction. Please contact Reap for support.
58	The transaction is not allowed at this point of sale.
59	Something went wrong when processing the transaction. Please contact Reap for support.
61	You have exceeded your ATM withdrawal limit. Please try a smaller amount or wait for the limit to reset.
62	ATM withdrawals are not allowed in this country for your card.
65	You have exceeded the allowed number of ATM withdrawals. Please try again later.
70	Card status is not normal. Please contact Reap.
75	The card has been blocked due to exceeding the maximum number of incorrect ATM PIN attempts.
77	Reap does accept transactions for this merchant category
82	Transaction took too long to process, please try again.
86	The system was unable to verify your PIN due to a technical issue or incorrect input, so the transaction could not be completed.
91	Issuer Or Switch Is Inoperative.
N9	There's a discrepancy between the transaction records of the payment systems involved.
N0	An unexpected error happened before the payment could be fully processed.
N3	Something went wrong when processing the transaction. Please contact Reap for support.
N7	The CVV entered is incorrect. Please check and try again.
6P	Verification of the provided data failed. Please verify and try again.

R1	The card is frozen. Please contact your account Admin.
R2	The card has been blocked due to multiple incorrect CVV attempts.
R3	The card has been blocked due to multiple incorrect expiry date attempts.
R4	The card is not activated yet. Please activate it from the Reap mobile app or the Reap Dashboard.
R5	Withdrawals are not allowed for this card.
R6	The daily ceiling allowed to spend for this card has been exceeded. Please contact your Admin to request an increase.
R7	The spending frequency allowed for this card has been exceeded. Please contact your Admin.
R8	The card is blocked.
R9	Not enough balance to complete the transaction for this merchant category. Please add funds.
R10	Insufficient funds in the budget associated with this card. Please contact your Admin to increase it.
R11	The budget associated with this card has been frozen. Please contact Reap.

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.