# Card Transaction

Retrieve information on transactions made on your users' cards.

Transaction types {% #card-transaction-type .title-3 .m-t-5 %}

The possible `type` values are:

- `ACCOUNT_CREDIT` - Receiving money on the card, excluding Visa OCT or Mastercard MoneySend
- `ACCOUNT_FUNDING` - Sending money to another card or e-wallet
- `CASH_ADVANCE` - Cash disbursement
- `CASH_WITHDRAWAL` - ATM withdrawal
- `CHARGEBACK` - Currently unused. Reserved for future use
- `CREDIT_TRANSACTION` - Visa OCT and Mastercard MoneySend
- `ECOM_PURCHASE` - Online purchase
- `POS_PURCHASE` - Purchase via a POS terminal
- `REFUND` - Partial or full refund of an existing card transaction

Transaction states {% #card-transaction-state .title-3 .m-t-5 %}

The possible `state` values are:

- `IN_PROGRESS` - The transaction has been authorized but not captured
- `COMPLETED` - The transaction has been captured and/or settled
- `DECLINED` - The transaction has been declined
- `CANCELLED` - The transaction has been cancelled
- `UNKNOWN` - Default fallback status if the state cannot be confirmed

The transition from `CANCELLED` to `COMPLETED` is an edge case. Wise releases the customer funds after 7 days (30 days for pre-authorization) if the merchant has not captured the transaction, and the state becomes `CANCELLED`. However, the merchant can decide to capture the transaction at a later date, at which point the state will become `COMPLETED`.

![Transaction state flow](/images/diagrams/transaction-state-flow.png)

Decline reasons {% #card-transaction-decline-reasons .title-3 .m-t-5 %}

The decline reason field provides information about the specific issue that led to the transaction being declined, helping the merchant and the customer troubleshoot the problem.

While the decline reason field provides valuable information, it may not cover all possible reasons for a decline, such as technical issues or unforeseen circumstances.

{% admonition type="warning" %}
New decline reasons may be added in the future, and not all decline reasons are currently documented. Review this documentation regularly to ensure accuracy.
{% /admonition %}

{% admonition type="warning" %}
Exercise caution when communicating decline reasons to your customers, as some may not be relevant or may cause confusion.
{% /admonition %}

- `ACCOUNT_INACTIVE` - Balance related to the transaction is not active. Ensure that all outstanding actions have been completed before using the card, as this may help avoid potential issues or declines
- `ACCOUNT_SUSPENDED` - The transaction has been declined pending further compliance checks. It may have been flagged for potential sanctions issues
- `ATM_PIN_CHANGE_NOT_ALLOWED` - PIN change via ATM terminal is not allowed
- `BLOCKED_COUNTRY` - Transactions were made in unsupported countries. Check this [link](https://wise.com/help/articles/2935771/where-can-i-use-my-wise-card) to see if the country is included in the list of supported nations. It is possible for a merchant to be based in a supported country and have an address registered in a blocked country, albeit infrequently
- `BLOCKED_SUBSCRIPTION` - The system cannot facilitate this transaction as the customer has opted out of recurring payments with this merchant
- `CARD_EXPIRED` - The card provided has reached its expiration date, making it invalid for this transaction
- `CARD_FROZEN` - The customer or the customer service team has put this card on a temporary hold. If the card has not been frozen by the customer, it may be worth investigating further. To resume spending, advise the customer to unfreeze the card
- `CARD_INACTIVE` - The card is either not active or has not been received by the customer, so the transaction cannot proceed
- `CARD_BLOCKED` - The card has been blocked and cannot be used anymore
- `CARD_PARTNER_SUSPENDED` - The internal team has deactivated the account for compliance reasons related to AML, fraud, or EDD. Contact the team if this is believed to be an error
- `CHIP_PIN_ENTRY_TRIES_EXCEEDED` - The PIN is restricted on the chip of the card due to excessive incorrect entries. The blocked PIN can be unlocked at an ATM using specific steps that vary depending on the machine and country, such as PIN management or PIN operations followed by unblocking the PIN
- `CONNECTION_ISSUE` - A connection problem occurred during the transaction
- `CONTACTLESS_PIN_ENTRY_REQUIRED` - Contactless payment systems sometimes require a PIN for authentication purposes to protect users' accounts from potential fraud or tampering. In Europe, contactless payment transactions that follow one after the other require PIN verification as an additional security measure
- `CREDIT_TRANSACTIONS_NOT_SUPPORTED` - Credit is not supported for this specific transaction. Review the [Acceptable Use Policy](https://wise.com/gb/legal/acceptable-use-policy-eea) for further information
- `CUMULATIVE_LIMIT_EXCEEDED` - In certain jurisdictions, there are restrictions on the amount that can be spent. Refer to [spending limits](https://wise.com/help/articles/2899986/what-are-my-spending-limits) for further details
- `DECLINED_ADVICE` - There is a problem with the message from the processor, so it might not be accepted because it could be incomplete or unsafe. This does not indicate a problem with the card. Advise the customer that there was a technical issue with the payment and to try again later
- `INCORRECT_CVV` - The customer entered the wrong security code. Advise the customer to check their card details and try again. If the saved card details are correct, they should remove their card details from the merchant's website and add them back again
- `INCORRECT_EXPIRY_DATE` - The customer entered the wrong expiration date for their card. If the saved card details are correct, they should remove their card details from the merchant's website and add them back again
- `INCORRECT_PIN` - The customer entered their PIN incorrectly. Advise the customer to check their PIN and try again. If the PIN is correct and still fails, suggest resetting the PIN
- `INSUFFICIENT_FUNDS` - The customer does not have enough money in their account to make the payment. Advise the customer to add money to their account and try again. In most cases, this will resolve the issue
- `INVALID_3DS_UCAF` - The 3D Secure checks failed during the transaction. The customer should try again and request authentication
- `INCORRECT_ARQC` - ARQC (Authorization Request Cryptogram) is a cryptogram generated by the card during a transaction, which is validated on the server side. If incorrect, it could indicate a faulty card, a fraudulent attack, or an issue with the POS terminal
- `INCORRECT_ICVV` - ICVV (Integrated Circuit Card Verification Value) is a security feature used to validate the authenticity of a card during chip-based transactions. There were problems reading the chip on the card, which may indicate an issue with the card's chip, the terminal, or the transaction process. Wait and try again
- `INVALID_MERCHANT` - Transaction from a specific merchant is declined by scheme. The merchant should clarify the exact cause with the scheme
- `INVALID_TRANSACTION` - Certain types of transactions are not supported. The customer should ask the merchant to use a different payment method or try a different merchant
- `MANDATE_DCC_NON_SUPPORTED_FOR_CARD_COUNTRY` - The transaction was declined because the system does not support conversions for Brazilian cards when BRL is involved. BRL will not be automatically exchanged to other currencies. If the customer wants to continue with the payment, they need to change the currency
- `MANDATE_LOCAL_CASH_WITHDRAWAL_NOT_ALLOWED` - ATM withdrawal services are not provided in the country where the transaction is taking place
- `NON_SUPPORTED_CURRENCY` - The currency in this transaction is not supported
- `NON_SUPPORTED_MCC_FOR_COUNTRY` - Transactions in this category are not supported for customers in the country of purchase. Consider using an alternative payment method or changing merchant
- `PAYMENT_METHOD_DAILY_LIMIT_EXCEEDED` - The customer has reached the daily spending limit for the card or their profile. Advise if they would like to update [card](/api-reference/spend-limits#update-card-limits) or [profile](/api-reference/spend-limits#update-profile-limits) limit
- `PAYMENT_METHOD_LIFETIME_LIMIT_EXCEEDED` - The customer has reached the lifetime spending limit. Advise if they would like to [increase](/api-reference/spend-limits#update-card-limits) their lifetime limit
- `PAYMENT_METHOD_MONTHLY_LIMIT_EXCEEDED` - The customer has reached the monthly spending limit for the card or their profile. Advise if they would like to update [card](/api-reference/spend-limits#update-card-limits) or [profile](/api-reference/spend-limits#update-profile-limits) limit
- `PAYMENT_METHOD_NOT_ALLOWED` - This payment type has been disabled. Advise if they would like to [enable](/api-reference/card/cardpermissionsupdate) the payment type
- `PAYMENT_METHOD_TRANSACTION_LIMIT_EXCEEDED` - The customer has exceeded the transaction limit for the card. Advise if they would like to update their [card](/api-reference/spend-limits#update-card-limits) limit
- `PIN_ENTRY_TRIES_EXCEEDED` - The customer has reached the maximum number of allowed online PIN entry attempts. Consider implementing a [reset PIN](/api-reference/card/cardpincountreset) feature within the app to help the customer regain access to their card
- `PRE_ACTIVATED_CARD_PIN_ENTRY_REQUIRED` - The customer has attempted to make a contactless payment at a POS or ATM, but their card has not been activated for chip and PIN transactions. To modify the card activation strategy for all cards, contact the implementation manager
- `PROCESSING_ERROR` - The system is currently experiencing technical difficulties. Advise the customer to try again after a brief period
- `RESTRICTED_MODE` - Although rare, restricted mode can occur. Advise the customer to replace their card promptly as the system should have already informed them. In this mode, more secure payment methods like chip and PIN, contactless, mobile wallets, and online payments with 3DS are allowed, while less secure methods like magnetic stripe and online payments without 3DS are not permitted
- `REVERSAL_NOT_MATCHING_AUTH_CURRENCY` - The merchant has issued a reversal instruction for a different currency than what was originally requested during the authorization process
- `SCA_SOFT_DECLINE` - The transaction cannot proceed due to SCA regulations. Suggest the customer contact the merchant and use a more secure authentication method such as 3DS. For example, the customer can try chip and PIN, or a mobile wallet like Apple Pay or Google Pay
- `SCHEME_BLOCKED_TRANSACTION` - This transaction has been flagged by the scheme and cannot be processed
- `SECURITY_CVM_FAILURE` - The system has detected that the POS terminal was misconfigured and failed security checks. Suggest the customer use an alternative payment method like contactless or mobile wallets, or recommend asking the merchant to accept a signature instead
- `SECURITY_MAGSTRIPE_SECURE_ELEMENTS_INCORRECT_OR_MISSING` - The merchant has entered the wrong type of purchase. Advise the customer to contact the merchant and ask them to correct this issue
- `SECURITY_PIN_ENTRY_REQUIRED` - To proceed with this transaction, the customer is required to enter their PIN
- `SUSPECTED_FRAUD` - This transaction has been labeled as high-risk by Wise
- `SUSPECTED_FRAUD_AML` - This transaction has been flagged as high-risk based on AML compliance protocols. This reason cannot be disclosed to end customers
- `SUSPECTED_FRAUD_COMPLIANCE` - The compliance system has flagged this transaction as high-risk. This reason cannot be disclosed to end customers
- `SUSPECTED_FRAUD_CORE_FRAUD` - This transaction has been blocked based on fraud policies and procedures
- `SUSPECTED_FRAUD_SANCTIONS` - This transaction has been flagged as high-risk based on sanctions list analysis. This reason cannot be disclosed to end customers. This classification is final and cannot be appealed
- `SUSPECTED_FRAUD_SOFT_DECLINE` - This e-commerce transaction cannot be processed due to high risk factors. The merchant must complete 3DS before the transaction can be approved
- `TRANSACTION_TYPE_NOT_SUPPORTED` - There are restrictions on this type of transaction, and sometimes the scheme will not allow it. Check if [spend control](/api-reference/spend-controls) is set up to block this transaction
- `UNEXPECTED_ERROR` - There may have been a communication error between the merchant's system and the server, but the POS system may have already notified the user of this issue