Who this is for: Reap Card users who have had a transaction declined
What this article covers: How to find the decline reason from the Reap dashboard or app, what every decline code means, and what to do next.
If your Reap Card transaction was declined, this article explains how to find the reason directly from the Reap dashboard or mobile app and what to do next.
Overview
When a Reap Card transaction is declined, the dashboard records the reason and a decline code against that transaction. Most declines fall into one of four categories: balance issues, card controls, merchant restrictions, or technical errors. Checking the decline code is usually the fastest way to identify what happened and take the right next step.
Jump to
- Before you start
- How to check a declined transaction
- Frequently Asked Questions
- Contact our Support Team
Before you start
To look up a decline reason, you will need:
- Access to the Reap mobile app or dashboard
- The details of the declined transaction (merchant name, date, amount)
How to check a declined transaction
- Log in to the Reap dashboard or open the Reap mobile app.
- On the left sidebar, go to Transactions.
- Find the declined transaction. It will be marked as Declined in the status column.
- Select the transaction to open its detail panel.
- Review the decline reason (decline code) shown in the panel.
- Use the tables below to understand what happened and what to do next.
Common decline codes
The table below lists every decline code that may appear on a Reap Card transaction. Use the code from the transaction detail panel to find the matching entry.
Code |
What it means |
|
Code |
What it means |
| 3 | The merchant is not set up to accept this type of card. | 91 | Issuer or switch is inoperative. | |
| 5 | The transaction was declined as do not honor. | N0 | An unexpected processing error happened. | |
| 41 | The card has been reported as lost. | N3 | Something went wrong when processing the transaction. | |
| 46 | The card is no longer active. | N7 | The CVV entered is incorrect. | |
| 51 | There is not enough balance to complete the transaction. | N9 | There is a discrepancy between payment system records. | |
| 54 | The card has expired. | 6P | Verification of the provided data failed. | |
| 55 | The entered PIN is incorrect. | R1 | The card is frozen. | |
| 57 | Something went wrong when processing the transaction. | R2 | The card has been blocked after multiple incorrect CVV attempts. | |
| 58 | The transaction is not allowed at this point of sale. | R3 | The card has been blocked after multiple incorrect expiry date attempts. | |
| 59 | Something went wrong when processing the transaction. | R4 | The card has not been activated yet. | |
| 61 | You have exceeded your ATM withdrawal limit. | R5 | Withdrawals are not allowed for this card. | |
| 62 | ATM withdrawals are not allowed in this country for your card. | R6 | The daily spend ceiling has been exceeded. | |
| 65 | You have exceeded the allowed number of ATM withdrawals. | R7 | The allowed spending frequency has been exceeded. | |
| 70 | Card status is not normal. | R8 | The card is blocked. | |
| 75 | The card has been blocked after too many incorrect ATM PIN attempts. | R9 | There is not enough balance for this merchant category. | |
| 77 | The merchant category is not accepted for this card. | R10 | The budget linked to this card does not have enough funds. | |
| 82 | The transaction took too long to process. | R11 | The budget linked to this card has been frozen. | |
| 86 | The system could not verify your PIN. |
Common decline reasons and what to do
Decline reason |
What it means |
What to do |
|---|---|---|
| Insufficient funds | Your available balance is too low. | Add more collateral or repay the outstanding balance. |
| Card frozen | An admin has frozen the card. | Ask your admin to unfreeze it. |
| Card not activated | The physical card has not been activated yet. | Activate the card in the app or dashboard. |
| Daily limit reached | The card has hit its daily spend limit. | Wait for the limit to reset or ask your admin to review the limit. |
| Budget insufficient | The linked budget has been fully used. | Ask your admin to increase or reset the budget. |
| Blocked merchant category | The merchant category is restricted on this card. | Ask your admin to review the card controls. |
| Time restriction | The card cannot be used outside permitted hours. | Ask your admin to review the time-based controls. |
| Card expired | The card expiry date has passed. | Request a replacement card. |
| Incorrect PIN | The wrong PIN was entered. | Try again. Multiple failed attempts may block the card. |
| Merchant not supported | The merchant does not accept this card type or network. | Try another payment method or contact support if this is unexpected. |
| Do not honor | The merchant or issuer declined the payment without a specific reason. | Try again later or contact support if the problem continues. |
Frequently Asked Questions
My card was declined even though I have available balance. Why?
A decline can still happen even with sufficient balance. Common causes include merchant restrictions, card spend controls set by your admin, or the merchant not being compatible with Reap Card. Open the declined transaction in your dashboard to check the decline code for the specific reason.
How do I know whether my card is frozen or just declined?
A frozen card shows a Frozen status in the app or dashboard under your card details. If your card shows as active but a transaction was declined, the decline was caused by another reason - check the transaction details for the decline code.
I was charged even though the transaction looked declined. What should I do?
Some merchants place a temporary authorisation before completing the charge. If you see an unexpected charge for a transaction that appeared declined, contact our support team with the merchant name and transaction date.
I did not receive a decline notification. What should I check?
Check your spam or junk folder first, and confirm the email address on your account is up to date. Note that some merchants may decline a transaction before it reaches Reap - in that case, no notification is sent from our side.
Contact our Support Team
If you are still not sure why your card was declined, contact our support team and include:
- Card last 4 digits
- Merchant name
- Transaction date and time
- Amount
- Any error message shown
For more information, visit Know who to talk to @ Reap