Error Codes for Failed Credit Card Transactions

When processing card payments in SigmaMD, errors may occasionally occur due to issues with the cardholder’s bank or the information provided. These messages come from the payment processor and help you understand why a charge was declined or blocked.

Below is a guide to the most common error codes you might see and what they mean.

Common Error Messages and What They Mean

• 05 – Do Not Honor: The bank declined the transaction with no additional information. The patient should contact their card issuer.
• 54 – Expired Card: The card is no longer valid. Ask the patient to provide a new card.
• 51 – Insufficient Funds: There are not enough funds in the account to complete the transaction. The patient should provide another card or contact their bank.
• 57 – Transaction Not Permitted: The cardholder’s bank does not allow this type of transaction. This is common with certain business or debit cards.
• 65 – Activity Limit Exceeded: The card has exceeded a usage limit set by the bank.
• 91 – Issuer or Switch Is Unavailable: The card issuer is temporarily unreachable.
• 96 – System Malfunction: There was a problem on the card issuer's or processor’s side. Retry or try a different card.

What You Can Do

If a payment fails:

1. Review the code
2. Ask the patient to verify their card details.
3. Suggest trying a different card or payment method.
4. Recommend the patient contact their card issuer for more details.

If issues persist and you’re unsure how to proceed, reach out to SigmaMD Support for help.

Tip: You can view payment history and error messages by opening the invoice and checking the Payments section.

For a complete list of processor codes, visit the MX Merchant Developer Documentation.