What does 05: do not honor mean?

The refusal reason 05: do not honor is a rather generic refusal reason that we receive from the issuer. In about half the cases, it is just another way of saying Insufficient funds. Unfortunately, we do not get more specific information on the exact refusal reason. The only way to find out the exact refusal reason is the shopper reaching out to the bank to ask for it.

For more information we shared a blog on our website on how to cope with do not honor refusals that might give you a better understanding of this refusal code: Coping with do not honor card refusals.

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