Answer

While Authorize.Net® may not receive specifics on a particular decline, we do include some details on declines in our transaction responses, if available.

A table of common decline reasons, with the associated Response Reason Code, is listed below:

2	General decline by card issuing bank or by Merchant Service Provider
3	Referral to card issuing bank for verbal approval
4	Card reported lost or stolen; pick up card if physically available
27	Address Verification Service (AVS) mismatch; declined by account settings
44	Card Code decline by payment processor
45	AVS and Card Code mismatch; declined by account settings
65	Card Code mismatch; declined by account settings
250	Fraud Detection Suite (FDS) blocked IP address
251	FDS filter triggered--filter set to decline
254	FDS held for review; transaction declined after manual review

For more details, please visit Response Reason Code.