You may receive an error response code 12 - Declined that contains a response message which may or may not clarify the reason for the decline. Response Code 12: Declined: 15005-This transaction cannot be processed. Meanwhile, you can request an alternative form of payment from the end customer. If you have followed the troubleshooting steps above and cannot determine the root cause of the error, you may need to have the card holder contact their bank for more information. A real credit card is being used for transaction sent to the test server.Card security code (also known as CVN, CVV, CVV2, the 3 or 4 digit security code on the back of a credit card) does not match.Issues with the expiration date (invalid format, expired, or not matching).You can retry the payment at a later time. If its a newly activated credit card account, the card networks have not been updated yet.PayPal only returns the response, and the actual approval or decline comes from the bank. The transaction was declined by the card issuing bank.Amount exceeds available funds, may need a voice authorization from the bank to proceed.For certain types of credit cards (American Express, Discover), the transaction amount must be greater than $1. ![]()
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