Many believe that if CC was declined, it means that it is not valid CC, although in most cases this happens for other reasons. If you use the checker, it will issue codes 00, 05, 51. And this means that the reasons for the decline are not related to the validity of the CC. To better understand why this is happening, you need to know what a merchant account is. Most do not even know about its existence.

A merchant account is a special transit account opened by a seller in a bank, which allows you to accept payments using bank cards. Opening a merchant account, the bank agrees to pay the seller for properly made purchases in exchange for withdrawing money from the accounts of buyers in issuing banks.
In the US, a merchant account can be opened by absolutely any citizen for some time. Unless of course, he has the necessary documents for this. There are a lot of companies that are open to merchants; depending on this, the terms of payment by debit or credit cards differ. There is a huge competition between them and, in principle, this is a whole business. It is the merchant account that is responsible for approving or rejecting the payment. So what could be the reasons for declining valid CC?

1. No money. There is no necessary amount at all (if a debit card), or a balance limit (if a credit card). For reference, just in case: the money on a credit card is not always possible to spend everything at once, most often it is possible in parts for some period of time, this part is the balance. The checker shows the code 51.
What can be done: For a debit card – wait until the holder deposit money. For a credit card, wait until a new piece of money becomes available for use. Buy CC and try again.

2. Ban on international transactions, i.e. the holder quietly spends money within his country, but cannot spend it abroad. Some banks put an automatic ban, sometimes holders do the same. Theoretically, you can try to lift the ban instead of the holder. The checker shows the code 05.
What can be done: Use CC in the country of the holder. Buy CC which is suitable for you.

3. Error merchant account. The checker shows the code 00. This means that the CC is valid.
What can be done: Use the CC in another store.

4. Merchant account does not accept cards from certain countries, and your card is from this list. The checker shows code 00 or 05.
What can be done: Use the CC in another store.

5. Error while filling data. Sealed with date expiration, etc. then the checker shows the code 00, fully valid CC.
What can be done: Check the correctness of filling data.

6. Merchant account works with 3d-secure (VBV) and rejects all transactions from cards that do not support it. If you find CC no VBV you can not pay. The checker shows code 00.
What can be done: Use the CC in another store.

7. The bank does not allow payment, as the merchant account and its activities are not approved by the legislation of the country of the holder (for example most US banks and poker sites). The checker shows code 00.
What can be done: Use the CC in another store. Buy CC which is suitable for you.

8. Bin is dead and the merchant account immediately rejects payment. also, It happens that a certain bin works well in any store and this becomes known to a large number of carders. Merchant account sees that carders work with this bin and block it. Checker shows code 00, CC valid.
What can be done: Use the CC in another store.

9. Merchant account sees that use VPN. The checker shows code 00.
What can be done: Use the CC in another store. Use another VPN.

10. Problems with IP address: does not match state-city-country; socks on the blacklist. The checker shows the code 05.
What can be done: Use the CC in another store. Use the appropriate IP address.

11. Holder/bank limits the number of trans (for example, the student’s parents are monitored for money). Checker shows code 51, CC valid.
What can be done: Buy CC which is suitable for you.

12. Holder himself established additional security measures (for example, the bank should call him at a specific number and clarify whether he really agrees to major spending; this rarely happens).
What can be done: Buy CC and try again.

13. The card is already tied by the holder to the shop/office and tied to the account, so it can only be used from the holder’s account (which rarely happens). Checker shows code 00, CC valid.
What can be done: Use the CC in another store. Buy CC which is suitable for you.

14. Rarely encountered, but there is: for approval in the merchant account of Europe and the USA of cards from Japan and China, the shop needs to undergo some kind of agreement at the processing company. If the shop didn’t, the Chinese and Japanese cards are declining.
What can be done: Use the CC in another store. Buy CC which is suitable for you.

Now you see that the reasons why a valid CC can be declined are a lot. It is necessary to understand all these nuances.

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