# Card declined codes

> What each card decline code means and how to fix a declined payment.

- URL: https://kb.voipcloud.online/billing/card-declined-codes/
- Section: Billing and account
- Type: reference
- Applies to: All countries
- Last reviewed: 2026-11-09

When a card payment fails, the portal shows a decline code. The code comes from your bank or card issuer and tells you why it stopped the payment. Most declines can only be fixed by your bank, so contacting them is usually the quickest fix.

## What to do when a payment is declined

1. Find the decline code shown in the portal.
2. Look it up in the tables below.
3. Do what the table recommends: re-enter your card details, use another card or payment method, or contact your bank.

## Common decline codes

| Code | Meaning | What to do |
| --- | --- | --- |
| 14, 15, 63 | Incorrect card details: the card number or security code was entered wrongly. | Re-enter your card details carefully. |
| 54 | Expired or restricted card: the card has expired or is no longer valid. | Use a current card. |
| 51, 65 | Insufficient funds or credit limit reached. | Check your available balance, or use another card or payment method. |
| 57 | Transaction not allowed: online, international or certain merchant payments may be blocked on your card. | Ask your bank to allow the payment, or use another card. |
| 36 | Restricted card: the card issuer has restricted the card. | Contact your bank or card issuer to find out why and fix it. |

## Fraud-related decline codes

These mean your bank has flagged the card for security reasons. Contact your bank or card issuer straight away to confirm the activity and remove the block. For your safety, the support team can't override a fraud-related block.

| Code | Meaning |
| --- | --- |
| 07 | The card has been flagged for possible fraud. |
| 41 | The card has been reported lost. |
| 43 | The card has been reported stolen. |
| 215, 534, 596 | The bank or payment provider suspects fraudulent activity. |

## When to contact support

[Raise a support ticket](https://kb.voipcloud.online/support/support-tickets/) only if:

- you've followed the steps above, your bank has confirmed everything is fine on their side, and you still can't pay; or
- you get a decline code that isn't listed here.

Include the decline code in your ticket.

## Related

- [Payment methods and top-ups](https://kb.voipcloud.online/billing/payment-methods/)
- [Payment verification](https://kb.voipcloud.online/billing/payment-verification/)
- [Automatic payments](https://kb.voipcloud.online/billing/automatic-payments/)