Card decline reasons

When a card transaction fails, Gravv sends a webhook notification with a declined_reason field that explains why the transaction was declined.

Webhook decline reasons

The following decline reasons appear in webhook notifications for failed card transactions:

Decline reason	Description
invalid_pin_attempt_limit_exceeded	too many incorrect PIN attempts
account_credit_limit_exceeded	account credit limit reached
card_spending_limit_exceeded	card spending limit reached
webhook_declined	your webhook endpoint returned a decline response
webhook_timeout	your webhook endpoint did not respond in time
card_canceled	card has been canceled
card_locked	card is locked
card_not_activated	card has not been activated
blocked_merchant	merchant is blocked
blocked_mcc	merchant category code is blocked
blocked_entity	entity is blocked
balance_inquiry_not_permitted	balance inquiry not allowed
transaction_declined_by_rules	transaction declined by configured rules

Gravv automatically declines transactions in the following situations:

Reason	Description
invalid_pan	Transaction received from a PAN not issued by Gravv
wrong_pin	Incorrect PIN entered
invalid_cvv	CVV verification failed
invalid_arqc	Application Request Cryptogram validation failed
invalid_aav	Application Authentication Value validation failed
card_expired	Wrong expiry date or transaction received from an expired card
wrong_atc	Application Transaction Counter mismatch
invalid_service_code	Service code doesn't match expected value
non_atm_withdrawal	Withdrawal request other than from an ATM
card_status	Card status is set to something other than active (lost, void, inactive)
account_status	Account linked to the card is suspended or inactive
blacklisted_country	Transaction from a blocked country
data_contradiction	A data element in the request contradicts expected values
card_client_rules	Rules configured for the card or client declined the transaction
amount_limit	Transaction exceeds the amount limit
online_pin_limit	Online PIN tries exceeded
offline_pin_limit	Offline PIN tries exceeded
pin_change_mismatch	PIN mismatch in a PIN change request
avs_failure	Address Verification Service check failed
3ds_failure	3D Secure verification failed
cashback_unsupported	Cashback request received from a POS that doesn't support cashback
ecommerce_flag	Card is set to decline all e-commerce transactions
atm_cash_flag	Card is set to decline all ATM cash transactions
balance_enquiry_flag	Card is set to decline balance inquiry over authorization